Cheapest Auto Insurance in Las Vegas, Nevada (2024)

COUNTRY Financial is the cheapest car insurance company in Las Vegas, with monthly liability-only rates starting at $42.

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

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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 February 14, 2024 at 7:34 AM PST

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If you live in Las Vegas and are in the market for car insurance, you should know premiums average $336 per month for full coverage and $212 per month for liability-only coverage, which is more than Nevada’s overall average of $245. 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 $4,029 per year for full-coverage insurance, on average.

  • Car insurance rates in Las Vegas are more expensive than the overall national average of $155.

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
COUNTRY Financial4.2$60$37Low rates
USAA4.5$122$76Active-duty military and veterans
Allstate4.2$157$97Discounts
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best for low rates: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
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

Philip is personable and overall makes dealing with insurance and claims easier.

Megan - May 27, 2023
Verified

Average customer service from the agent

Michael - December 27, 2022
Verified

Worked with them for many years; never had issues, and our agent always had our best interests at heart

Shirley - October 2, 2022
Verified
Read our Country Financial review

Best for military and veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best for discounts: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

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 $42/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 $42 per month.

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial42
State Farm62
GEICO73
USAA86
Allstate111
Midvale Home & Auto142
Farmers171
Safeco173
Nationwide177
Mercury185
Sun Coast192
Travelers205
Progressive210
American Family211
Liberty Mutual223
Dairyland227
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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial67
State Farm98
GEICO117
USAA136
Allstate175
Midvale Home & Auto215
Mercury222
Safeco233
Farmers274
Nationwide277
Travelers284
Sun Coast292
Progressive294
Liberty Mutual308
American Family335
Dairyland407
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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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 $50/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 $52 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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial8452
State Farm11875
GEICO14389
USAA166105
Allstate213135
Midvale Home & Auto278184
Safeco307228
Mercury312260
Farmers336209
Nationwide342218
Travelers353255
Progressive372266
Liberty Mutual406294
American Family415261
Dairyland514287
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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial8956
State Farm12478
GEICO15094
USAA174110
Allstate224142
Midvale Home & Auto298197
Mercury325271
Safeco328243
Farmers350219
Nationwide357228
Travelers368265
Progressive395282
Liberty Mutual425307
American Family431271
Dairyland531296
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 $513 per month for full coverage and $324 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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial10365
State Farm15195
GEICO180112
USAA209132
Allstate269171
Midvale Home & Auto331218
Mercury346289
Safeco359266
Farmers422263
Nationwide426272
Travelers437315
Progressive452323
Liberty Mutual474343
American Family515325
Dairyland626349
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 $245 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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial5132
State Farm7145
GEICO8754
USAA10265
Allstate13384
Mercury171142
Safeco187139
Nationwide196125
Progressive200143
Farmers202126
Travelers211152
Liberty Mutual237172
American Family248156
Dairyland311174
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 $359 per month, on average, while full-coverage insurance costs an average of $569 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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Financial9258
State Farm163103
GEICO179111
USAA218138
Allstate298189
Mercury397331
Midvale Home & Auto399263
Safeco407302
Nationwide459294
Farmers464290
Travelers498360
Liberty Mutual513372
Progressive514367
American Family554349
Dairyland641358
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.

Find Car Insurance in Las Vegas

Unlock savings and discounts when you compare quotes from multiple insurers

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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 $336 per month for full coverage and $212 per month for minimum coverage. To compare, the U.S. national average rate is $207 per month for full coverage and $103 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 $277 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$171$277
North Las Vegas$210$348
Reno$97$195
Sparks$96$203
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 $212 per month for liability-only coverage and $336 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 $42, $62, and $73 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

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
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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