Cheapest Auto Insurance in Las Vegas, Nevada (2024)

COUNTRY Financial offers the cheapest car insurance in Las Vegas, with minimum-coverage policies as low as $41 per month.

Elizabeth Rivelli
Elizabeth Rivelli
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Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Chris Schafer
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Chris Schafer
Chris SchaferSenior Editor
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated July 18, 2024

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Cheapest recent rates near Las Vegas, Nevada

Recent Las Vegas, Nevada car insurance prices for Cadillac, Dodge, Tesla , and more.

*Quotes generated for Insurify users in and around Las Vegas, Nevada within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Las Vegas, Nevada within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you live in Las Vegas and are in the market for car insurance, you should know premiums average $379 per month for full coverage and $241 per month for liability-only coverage, which is more than Nevada’s overall average of $273. The city’s population density and high volume of visitors from the city's many casinos and entertainment venues likely contribute to Las Vegas’ comparatively high car insurance costs.

However, insurers like COUNTRY Financial, State Farm, and GEICO all offer affordable rates for Sin City drivers.

Here’s what you should know about finding the cheapest car insurance in Las Vegas.

Quick Facts
  • Las Vegas has a full-time population of more than 656,000 people and is the most populous city in Nevada.

  • Las Vegas drivers pay $4,551 per year for full-coverage insurance, on average.

  • Car insurance rates in Las Vegas are more expensive than the overall national average of $160.

Cheapest car insurance companies in Las Vegas

When shopping for car insurance, cost is important. However, car insurance premiums are unique to each driver, and not all the rating criteria affecting the quotes you receive are within your control.

For instance, the cheapest insurer for a driver with a clean record might not be the cheapest insurer for a driver with an at-fault accident. Similarly, a young person may pay a higher premium than an older driver simply because their age group has a higher statistical likelihood of an accident.

As you begin your search for your next car insurance policy, start with some of the state’s most affordable auto insurers, like Country Financial, USAA (if eligible), and Allstate.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
COUNTRY Financial8.8$59$36Low rates
USAA9.4$120$73Active-duty military and veterans
Allstate8.9$154$94Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best for low rates: COUNTRY Financial

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8/10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo

COUNTRY Financial, a super-regional insurer, is the cheapest car insurance company overall in Las Vegas, offering the lowest premiums for full coverage and minimum coverage. It also offers the cheapest rates for teen drivers, senior drivers, and people with a speeding ticket, at-fault accident, or DUI on their record.

COUNTRY Financial also offers a good selection of discounts for even more savings. It offers student discounts, occupation discounts, bundling discounts, safe driver discounts, loyal customer discounts, and others.

Pros
  • Cheapest average premiums for most Las Vegas drivers

  • Wide variety of discounts available

  • Several available endorsements for additional protection

Cons
  • Instant rate quotes not available online

  • Coverage only available in 19 states

  • No accident forgiveness or gap insurance

Read more driver reviews of Country Financial
Katlyn - July 15, 2024
Verified

Way too expensive

The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.

Linda - July 15, 2024
Verified

Great Customer Service

I have loved Country Financial, but my rates keep going up. I can get better prices elsewhere.

Brian - July 15, 2024
Verified

Great until complications arose...

Country's coverage was initially satisfactory, but they made it a full-time job to account for what I was covered for. I understand they needed a list of my losses after a home fire. I took 3 days off work to provide them with a list, which totaled over 50k. Then, they required receipts to replace those losses! I had to start buying replacements for the things I lost out of my own pocket. I only managed to purchase 18.6k worth of items and provide the receipts from my own resources. Then I was told, 'Oh, you need to match those receipts to our itemized list of your losses that you paid for?' I don't own a computer anymore and where I'm living now has no internet. How am I supposed to do this? I gave Country a 3-day report of my losses and they had me spending my OWN money to replace my losses! They initially covered me well, which is what I thought I paid for, but this deteriorated from there. Now, I'm not only dealing with over 50k in losses, but I'm also caught up in their replacement receipt scheme for over 15.6k out of my own pocket! Something is wrong and needs to be corrected!

Best for military and veterans: USAA

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User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$136/mo

USAA is one of the top-rated car insurance companies in Las Vegas and is available to active-duty military, veterans, and their eligible family members. It also has the highest customer satisfaction rating from J.D. Power in the Southwest region and an AM Best financial strength rating of A++ (Superior), the highest level possible.[1]

USAA also offers some of the most affordable auto insurance in Las Vegas, and eligible drivers can take advantage of many discounts. USAA offers savings for good students, safe drivers, bundling your policies, insuring a newer vehicle, and being a loyal customer, among others.

Pros
  • Highest J.D. Power customer satisfaction score in the Southwest region[2]

  • AM Best financial strength rating of A++ (Superior)

  • Good variety of discounts

Cons
  • Only available to members of the military community

  • Few available endorsements

  • No local agents available in Las Vegas

Read more driver reviews of USAA
Ronald - July 17, 2024
Verified

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

Connie - July 17, 2024
Verified

Great Company, Great Employees

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

John - July 16, 2024
Verified

Good

Invest more in customer service and less in advertising.

Best for discounts: Allstate

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$175/mo

Allstate is one of the largest car insurance companies in the U.S. by market share, and it has below-average rates in Las Vegas while offering many discounts for additional savings. With Allstate, you can get a new-car discount, bundling discount, paperless statements discount, autopay discount, smart student discount, safe driving club discount, and more. You can also get an instant rate quote online to see how much you’ll pay for coverage.

However, Allstate only offers a few endorsements compared to other top insurers, and the only optional coverages are rental car reimbursement coverage, rideshare insurance, and roadside assistance.

Pros
  • A+ rating for financial strength from AM Best

  • Discounts for policy savings

  • Highly rated for claims satisfaction by J.D. Power[3]

Cons
  • Below-average customer satisfaction rating from J.D. Power[2]

  • Few optional car insurance coverages offered

  • Rates are higher than some top competitors

Read more driver reviews of Allstate
George - July 18, 2024
Verified

Very Poor Treatment of Client

They cancelled my policy based on some hidden item. They never called me, but sent a letter 12 days after I had paid for the insurance. They still have not returned my money.

Richard - July 18, 2024
Verified

Allstate Rocks!

Allstate appears to be the best insurance provider at this time.

Philip - July 18, 2024
Verified

Communication

Allstate terminated my agent without any warning.

How to get the cheapest car insurance in Las Vegas

Car insurance premiums are personalized to each driver. Factors like your age, vehicle type, coverage limits, credit record, claims history, and deductibles can all affect your rate.

Here are some tips for getting the cheapest car insurance in Las Vegas for your situation:

  • Look for discounts. Many Nevada car insurance companies offer discounts that can reduce your premium. For example, you can often get savings for having safety features in your vehicle, enrolling in automatic payments, insuring multiple vehicles, and taking an approved defensive driving course.

  • Choose higher deductibles. For policies that require a deductible, like collision or comprehensive insurance, choosing a higher deductible will lower your monthly premium.

  • Pay in full. Most car insurance companies offer a small discount to drivers who pay their annual premium up front in a lump sum.

  • Bundle your policies. Bundling two or more insurance policies with the same company, like auto insurance and home insurance, usually generates a significant discount.

Find Car Insurance in Las Vegas

Minimum-coverage policies start at $41/mo. in Las Vegas

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Cheapest liability-only car insurance in Las Vegas: COUNTRY Financial

Liability-only car insurance covers your financial responsibilities when you cause an accident. Specifically, it pays for another driver’s medical expenses if they get injured. It also covers property damage, like vehicle repairs.

The cheapest insurer for liability-only car insurance in Las Vegas is COUNTRY Financial, with rates that start at $41 per month.

The companies below have the cheapest liability-only insurance in Las Vegas:

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
COUNTRY Financial$41
State Farm$59
GEICO$72
USAA$83
Allstate$107
Midvale Home & Auto$157
Farmers$166
Nationwide$171
Safeco$173
Mercury$177
Liberty Mutual$196
Sun Coast$198
Travelers$199
American Family$203
Progressive$211
Dairyland$219
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Las Vegas: COUNTRY Financial

A full-coverage car insurance policy provides more protection than a liability-only policy. Full-coverage policies typically include liability insurance plus collision, comprehensive, and medical payments insurance. If you lease or finance, your vehicle your leasing company or lender will require you to have full coverage.

Full-coverage car insurance is typically more expensive than liability-only coverage because it provides more financial protection from at-fault accidents. However, rates vary by insurer.

COUNTRY Financial is the cheapest car insurance company in Las Vegas, with liability-only rates starting at $67 per month.

The companies featured below have the cheapest full-coverage car insurance in Las Vegas.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
COUNTRY Financial$67
State Farm$98
GEICO$117
USAA$136
Allstate$175
Mercury$187
Safeco$234
Midvale Home & Auto$245
Farmers$274
Progressive$278
Nationwide$282
Liberty Mutual$294
Sun Coast$316
Travelers$327
American Family$335
Dairyland$407
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Las Vegas, Nevada

Recent Las Vegas, Nevada car insurance prices for Hyundai, Dodge, Cadillac , and more.

*Quotes generated for Insurify users in and around Las Vegas, Nevada within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Las Vegas, Nevada within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Nevada

Car insurance is a legal requirement in Nevada, and vehicle owners must carry at least 25/50/20 in liability coverage.[4] Nevada is also a tort state, meaning it’s an at-fault state. In the event of an accident, the at-fault driver is responsible for compensating the other person for their expenses.

Here are the minimum 25/50/20 car insurance coverage requirements in Nevada:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    $25,000 for one person’s injuries in an accident and $50,000 for all injuries in an accident

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Property damage liability

    $20,000 for property damage in an accident

You can also benefit from raising your liability insurance policy limits or adding optional coverages to your basic policy. Here are several optional coverages to consider:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist insurance

    Uninsured/underinsured motorist (UM/UIM) insurance provides additional liability coverage if you get hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your losses in full. UM/UIM also covers damage from hit-and-run accidents.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    New-car replacement insurance

    If your vehicle is totaled in a covered loss, new-car replacement insurance will provide a settlement to purchase a new vehicle that’s similar to the make and model of your old vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    If you lease or finance your vehicle, having gap insurance can be beneficial. If your car gets totaled, gap insurance will cover the difference between the car’s diminished value and the amount you owe.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Most insurers will increase your premium when your policy renews after an at-fault accident. Accident forgiveness is an optional coverage that can help hold your rates steady after an at-fault accident. You'll generally need to have a clean driving record for three to five years to be eligible to buy this coverage.

Vehicle Inspection Requirements by State (2024)

Vehicle Inspection Requirements by State (2024)

Cheapest car insurance for drivers with an incident

Your driving record is one of the biggest factors that can affect your car insurance rates. If you have any incidents on your record — like speeding tickets, at-fault accidents, DUIs, or other violations — you’ll probably pay a higher rate. This is because drivers with a history of these violations are generally considered riskier to insure than drivers with a clean record.

Find Car Insurance in Las Vegas

Rates start at $51/mo. for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial

Car insurance rates are typically more expensive for drivers who have gotten a speeding ticket. If you have received multiple speeding tickets over the last year, you might see an even bigger rate increase as well.

But the rate increase after a speeding ticket depends on your car insurance company. The cheapest insurer for drivers in Las Vegas with a speeding ticket is COUNTRY Financial, with liability-only rates starting at $53 per month.

Here, you can see which car insurance companies have the cheapest rates for drivers with speeding tickets.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$86$53
State Farm$122$73
GEICO$146$90
USAA$170$104
Allstate$219$134
Mercury$251$238
Safeco$297$220
Midvale Home & Auto$318$204
Farmers$341$206
Progressive$349$265
Nationwide$356$216
Liberty Mutual$404$270
Travelers$412$251
American Family$418$253
Sun Coast$420$263
Dairyland$512$275
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: COUNTRY Financial

Drivers with an at-fault accident on their record usually pay higher car insurance rates as well. From the perspective of an insurance company, causing an accident makes you riskier to insure. The rate increase after an at-fault accident can be significant and could last for several years, but it depends on your insurer.

Las Vegas drivers with an accident on their motor vehicle record will find the cheapest rates with COUNTRY Financial, which offers monthly liability-only rates as low as $56.

These companies have the cheapest car insurance rates in Las Vegas for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$92$56
State Farm$128$77
GEICO$155$95
USAA$179$109
Allstate$231$141
Mercury$262$248
Safeco$300$222
Midvale Home & Auto$343$220
Farmers$359$218
Progressive$373$283
Nationwide$375$228
Liberty Mutual$423$282
Travelers$434$264
American Family$440$267
Sun Coast$440$275
Dairyland$535$288
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: COUNTRY Financial

A DUI is one of the most serious traffic violations you can get. As a result, it generally has the biggest effect on your car insurance premium. After being convicted of a DUI, you can expect your car insurance premium to increase significantly for many years. In Nevada, a DUI stays on your record permanently and can't be expunged.

Drivers in Las Vegas with a DUI pay an average of $603 per month for full coverage and $383 per month for liability-only coverage.

However, some car insurance companies have lower rates for drivers with a DUI. In the table below, you can see which car insurance companies have the cheapest rates for Las Vegas drivers with a DUI on their record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$110$67
State Farm$161$97
GEICO$192$118
USAA$223$136
Mercury$276$261
Allstate$287$175
Safeco$383$283
Midvale Home & Auto$401$257
Farmers$449$272
Progressive$455$346
Nationwide$462$280
Liberty Mutual$482$321
Sun Coast$503$315
Travelers$536$326
American Family$549$333
Dairyland$667$359
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does a DUI Stay on Your Record?

How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: COUNTRY Financial

As you get older, your car insurance rates generally decrease in cost until you enter your 70s, when rates often become more expensive due to an increased risk of accidents.

Senior drivers in Las Vegas pay an average of $277 per month for full-coverage insurance.

Below, you can see which car insurance companies have the cheapest rates for seniors living in Las Vegas:

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$50$31
State Farm$72$43
GEICO$88$54
USAA$102$62
Allstate$133$81
Mercury$134$126
Midvale Home & Auto$176$113
Safeco$180$133
Progressive$186$141
Nationwide$198$120
Farmers$201$122
Liberty Mutual$223$149
Sun Coast$231$145
Travelers$241$147
American Family$245$149
Dairyland$306$165
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: COUNTRY Financial

Teen drivers pay some of the highest car insurance rates due to their lack of experience on the road. This is because the rate of car accidents is higher for teens between the ages of 16 and 19 than among any other age group.[5]

A liability-only policy costs teen drivers in Las Vegas $407 per month, on average, while full-coverage insurance costs an average of $640 per month.

Not surprisingly, then, staying on your parents’ car insurance policy is cheaper than getting your own policy. And minor teens can't legally purchase their own policies without the written consent of a parent or guardian. However, you have a few ways to save money on car insurance. For example, you can often get a discount for getting good grades in school. Insuring a vehicle with safety features, like an anti-theft device, can also help you get a cheaper rate.

In the table below, you can see which car insurance companies are the cheapest for teen drivers in Las Vegas.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$95$58
State Farm$161$97
GEICO$179$110
USAA$219$134
Allstate$298$182
Mercury$330$312
Midvale Home & Auto$410$263
Farmers$468$284
Nationwide$469$285
Safeco$473$350
Progressive$487$370
Liberty Mutual$525$350
Sun Coast$534$335
American Family$569$345
Travelers$572$348
Dairyland$658$354
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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How your credit history affects your car insurance premium

Car insurance companies are allowed to use credit-based insurance scores in Nevada. This means your credit history will affect your insurance premium. In general, drivers with good credit pay lower car insurance rates than drivers with poor credit.

You can make immediate improvements to your credit score by keeping a low balance, paying your bills on time, and not opening any new credit accounts.

Is car insurance more expensive in Las Vegas?

Yes. Car insurance in Las Vegas is much more expensive than the national average rate.

In Las Vegas, the average premium is $379 per month for full coverage and $241 per month for minimum coverage. To compare, the U.S. national average rate is $214 per month for full coverage and $105 per month for liability-only coverage.

While car insurance quotes are different in every state, your city and ZIP code within Nevada can also affect your premium. For example, the average rate in Henderson is $318 per month for full coverage. This city has a lower population than Las Vegas and may have lower accident frequency, and less vehicle theft or vandalism, which contribute to cheaper rates.

More cities in Nevada

In the table below, you can see how the average car insurance rates in other Nevada cities compare to the average rates in Las Vegas.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Henderson$198$318
North Las Vegas$231$374
Reno$127$227
Sparks$128$249
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Las Vegas car insurance FAQs

If you’re still seeking information to help you get the most affordable car insurance in Las Vegas, the answers presented here can help.

  • How much is car insurance in Las Vegas?

    Car insurance in Las Vegas costs $241 per month for liability-only coverage and $379 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Las Vegas?

    COUNTRY Financial, State Farm, and GEICO have the cheapest insurance in Las Vegas. Their liability-only rates start at $41, $59, and $72 per month, respectively. The cheapest insurer for you will depend on multiple rating factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.

  • What are the best car insurance companies in Las Vegas?

    Country Financial, Allstate, and USAA rank as some of the top insurers serving Las Vegas. Country Financial offers many of the area’s most competitive rates and has an IQ Score of 3.9. Allstate has an IQ Score of 4.2 and posts high scores for claims satisfaction, according to J.D. Power. USAA serves members of the military community and ranks number one for customer service in the Southwest as well as having an IQ Score of 4.3.

  • How much insurance do you need in Nevada?

    In Nevada, vehicle owners are required to carry minimum liability insurance coverage amounting to 25/50/20. This means your coverage must include bodily injury liability coverage amounting to $25,000 for one person’s injuries in an accident and $50,000 for all injuries in an accident. You’re also required to carry $20,000 in property damage liability, and the same levels of uninsured/underinsured motorist coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. A.M. Best. "A.M. Best Affirms Ratings of USAA, Its Subsidiaries and USAA Capital Corporation."
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  3. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
  4. Nevada Division of Insurance. "Understanding Auto Insurance."
  5. CDC. "Teen Drivers and Passengers: Get the Facts."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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