Cheap Auto Insurance Quotes in Las Vegas, NV (January 2022)

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Car Insurance in Las Vegas, NV

Car travel is the main mode of transportation for hundreds of thousands of Las Vegas residents. Because Nevada law requires their citizens to have car insurance, finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Las Vegas. Search and save on the best car insurance policies for Las Vegas drivers today.

With Insurify, you can compare customized insurance quotes from national carriers like State Farm and GEICO along with local providers so you can quickly find the cheapest deal for auto insurance rates. You’ll even be able to toggle between deductibles and coverage limits until you find a policy that fits your budget. It’s completely free and takes just a few minutes!

You might be surprised to learn that where you live — even within your state — can affect your auto insurance coverage rates. The average cost of Nevada car insurance will vary from city to city and between insurance companies. Below is what Nevada residents pay, on average, in each major city in the state. Check out how Las Vegas compares:
$129
$153
$158
$173
$187
ProgressiveClearcoverState FarmSafecoBristol West

Cheapest Car Insurance in Las Vegas, NV

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Las Vegas, NV

While saving money and buying cheap car insurance is important, it’s also important to make sure you are getting high quality auto insurance. The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. The following are our top rated carriers that offer car insurance in Las Vegas.

Average Car Insurance Cost

$173
$158
$118
$221
$172
$194
NevadaHendersonRenoNorth Las VegasSparksLas Vegas
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Las Vegas, NV Driving Facts

nevada

Minimum Car Insurance Requirements in NV

All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.

  • $20,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Las Vegas Car Insurance Rates by Driver Age

One of the biggest factors in determining your auto insurance rates is your age. Young drivers are the most expensive to insure because they are inexperienced and have a higher risk of getting into a car accident. While adults in Nevada are cheaper to insure than teens, one way to lower insurance costs is by bundling auto insurance with homeowners or renters insurance.

Las Vegas Car Insurance Rates by Driving and Accident History

If you have an infraction on your driving record, insurance companies tend to view you as a higher risk to insure. A DUI, a speeding ticket, or an accident in your driving history will make you more expensive to insure than if you have a clean driving record. Here’s what drivers with any of these incidents pay compared to a driver with a clean record in Las Vegas.

Las Vegas Car Insurance Rates by Credit Tier

Many insurance companies, including those in Las Vegas, use your credit score in calculating your monthly insurance premiums. Not fair? Maybe. But it’s true. Good thing there is something you can do about it. You can begin by checking your credit score to determine where you stand. A credit score of 700 or above is generally considered good. Las Vegas drivers can keep their scores from dropping by paying all of their bills on time—including car insurance.

Las Vegas DMV Information

There are multiple DMV outposts in the city of Las Vegas, located on lockwood boulevard. The DMV is open from 9 AM to 5 PM with some special morning and weekend hours. Patrons can make appointments online or skip the line altogether by using the DMV's online portal.

Public Transit in Las Vegas

RTC Southern Nevada operates the public transit system in Las Vegas. The RTC, along with Amtrak and Greyhound, operates routes and stops throughout the city and beyond. And of course, Las Vegas offers ridesharing services like  Uber and Lyft, plus traditional taxis. 

Find local Las Vegas agents

Millennial Insurance Group, LLC
10161 Park Run Dr Ste 150, Las Vegas, NV 89145
Branch Benefits Consultants
4584 North Rancho Drive, Las Vegas, NV 89130
Cell Brokerage, LLC
9970 W Cheyenne Ave., Las Vegas, NV 89129
Leo Insurance Group
8875 W Flamingo Rd, Las Vegas, NV 89147
Swarts Manning & Associates
10091 Park Run Dr #200, Las Vegas, NV 89145-8868
AMS Insurance
9960 W Cheyenne Ave Ste 240, Las Vegas, NV 89129
1source Insurance Group
3606 N. Rancho Drive, Suite 140, Las Vegas, NV 89130
Branch-Hernandez Consulting & Insurance Services
4584 North Rancho Drive, Las Vegas, NV 89130-3478
GLB Insurance Group of Nevada
4455 S. Pecos Road, Las Vegas, NV 89121-5044
Cragin & Pike Inc
2603 W Charleston Blvd, Las Vegas, NV 89102-2121

Insurify Insights: How Las Vegas Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Las Vegas, NV
suspended licenses
#3
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Las Vegas drivers measure up to their fellow Nevada motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Las Vegas

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Las Vegas drivers rank 5 in the number of car accidents per driver across all cities in Nevada.

  • Rank within state: #5
  • Percent of drivers in Las Vegas with an accident: 7.21%
  • Drivers in Las Vegas, NV with an accident in their driving history paid on average 33.67% more than drivers with a clean record

Speeding in Las Vegas

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nevada, Las Vegas drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Las Vegas with a speeding ticket: 5.06%
  • Drivers in Las Vegas, NV with a speeding ticket in their driving history paid on average 28.96% more than drivers with a clean record

DUI/DWIs in Las Vegas

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Las Vegas drivers rank 6 in the number of DUI’s per driver across all cities in Nevada.

  • Rank within state: #6
  • Percent of drivers in Las Vegas with a DUI: 1.4%
  • Drivers in Las Vegas, NV with a DUI in their driving history paid on average 26.26% more than drivers with a clean record

Most Popular Vehicle in Las Vegas

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Las Vegas is the Honda Accord.

Rude in Las Vegas

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Nevada, Las Vegas drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Las Vegas with a reckless driving violation: 1.3%
  • Drivers in Las Vegas, NV with a reckless driving violation in their driving history paid on average 24.92% more than drivers with a clean record.

Safest Drivers in Las Vegas

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Las Vegas drivers rank 1 in clean driving records across all cities in Nevada.

  • Rank within state: #1
  • Percent of drivers in Las Vegas with clean record: 87.35%

Failure to Yield the Right of Way in Las Vegas

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Las Vegas drivers rank 5 in failure to yield violations per driver across all cities in Nevada.

  • Rank within state: #5
  • Percent of drivers in Las Vegas with a failure to yield violation: 0.29%
  • Drivers in Las Vegas, NV with a failure to yield violation in their driving history paid on average 3100% more than drivers with a clean record

Reckless Drivers in Las Vegas

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Nevada, Las Vegas drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Las Vegas with a reckless driving offense: 0.05%

Hybrid/Electric Vehicle Ownership in Las Vegas

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Las Vegas drivers rank 3 in hybrid and electric vehicle ownership across all cities in Nevada.

  • Rank within state: #3
  • Percent of drivers in Las Vegas with a hybrid/electric vehicle: 1.02%
Most Patriotic City

Most Patriotic City

Las Vegas

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Pahrump won Insurify's Most Patriotic Cities Award for the state of Nevada. Despite this designation, Pahrump is still technically an unincorporated community.

How to get the best and cheapest car insurance in Las Vegas


As Nevada drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 10.6 percent of vehicles driving uninsured throughout Nevada, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.


FAQs - Las Vegas, NV Car Insurance

How do I find cheap car insurance in Las Vegas, NV?

You can use Insurify to find the car insurance companies that will offer you the cheapest coverage options for Las Vegas auto insurance. The average Insurify user saves $585 per year simply by comparing quotes they found on the platform and switching to a cheaper provider.

How much does car insurance cost in Las Vegas, NV?

While the average rate for car insurance in Las Vegas, NV is $194 per month, your insurance rate will vary based on your driving history, your type of coverage, and even the motor vehicle you drive. For example, a driver with a clean record and minimum liability coverage will end up paying less than a driver with comprehensive coverage and an accident on their record.

What drives up car insurance rates in Las Vegas, NV?

In part, car insurance in Las Vegas is expensive because of Nevada’s relaxed alcohol laws. Individual factors, such as previous accidents or bad credit, can also drive up your car insurance rates in Las Vegas.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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