5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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.
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.
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 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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Cheapest recent rates near Las Vegas, Nevada
Recent Las Vegas, Nevada car insurance prices for Hyundai , and more.
*Quotes generated for Insurify users in and around Las Vegas, Nevada within the last 10 days. Last updated on July 25, 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 25, 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 25, 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 25, 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.
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 Company
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.
Full Coverage
Liability Only
Best for
COUNTRY Financial
8.8
$59
$36
Low rates
USAA
9.4
$120
$73
Active-duty military and veterans
Allstate
8.9
$154
$94
Discounts
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.
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
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!
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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]
Extreme Increase without Warning for Veteran and Professional Driver
There was no warning or reason for the extreme increase in price within one year. There was no warning, no options to change to, and no contact from anyone. Just a new bill with a huge increase. As a veteran and a professional driver who takes the defensive driver's course every year, there is absolutely no reason for the increase.
Justo - July 24, 2024
Verified
Unreasonable Price
To me, everything is okay with Allstate except for the price of coverage.
Debra - July 24, 2024
Verified
Your prices are way too high. You need to cut it
I think your coverage for a single vehicle policy is too high.
…
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.
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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.
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.
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.
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.
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 , and more.
*Quotes generated for Insurify users in and around Las Vegas, Nevada within the last 10 days. Last updated on July 25, 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 25, 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 25, 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 25, 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:
Bodily injury liability
$25,000 for one person’s injuries in an accident and $50,000 for all injuries in an accident
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:
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.
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.
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.
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.
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.
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Rates start at $51/mo. for drivers with incidents on their records
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4.8/5
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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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Unlock savings and discounts when you compare quotes from multiple insurers
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Based on 3,806+ reviews
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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.
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.
CDC. "Teen Drivers and Passengers: Get the Facts."
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.
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.
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 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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