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An outdoorsman's paradise, a gambler's dream, Vegas has something for everyone. If you're looking to hike all day and party all night, the largest city in the Silver State may be the place for you.
Car travel is the main mode of transportation for hundreds of thousands of Vegas residents. 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 in Vegas today.
The average cost of Nevada car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Las Vegas, NV to find you the cheapest quotes in the area.
Here are the cheapest carriers in Las Vegas for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
GEICO | $112/mo |
Progressive | $151/mo |
 State Farm | $158/mo |
 Allstate | $223/mo |
 Nationwide | $231/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Las Vegas. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $279/mo | |
 Safeco | $340/mo | |
 Liberty Mutual | $496/mo | |
 Mercury | $327/mo | |
 Travelers | $271/mo |
| Henderson | $157/mo |
| Reno | $118/mo |
| North Las Vegas | $221/mo |
| Sparks | $122/mo |
| Las Vegas | $194/mo |
| Nevada | $162/mo |
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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:
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:
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.
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.
As with car insurance in any state, age is one factor affecting car insurance costs in Las Vegas. Las Vegas drivers in their 20s pay an average of $406 in monthly premiums, while someone 10 years their senior pays nearly $100 less to be on the road. While mature Las Vegas drivers seem to get a cost break based on their years of experience driving, older motorists can expect to see rates begin to rise in their 70s. In Las Vegas, drivers in their 60s enjoy an average premium of $267 per month, while those in their 70s pay an average of $323 a month.
| Driver's Age | |
|---|---|
| teens | $782 |
| 20s | $407 |
| 30s | $313 |
| 40s | $358 |
| 50s | $314 |
| 60s | $268 |
| 70s | $324 |
| 80s | $286 |
| Driving History | |
|---|---|
| No Violation | $330 |
| Speeding Ticket | $362 |
| At-Fault Accident | $409 |
| Failure to Stop for Red Light / Stop Sign | $333 |
Keeping a clean driving record is important to making sure your insurance rates stay low in Las Vegas. That said, everyone makes mistakes that can impact their premium. Knowing what to expect is helpful. If you are found to be at fault for an accident in Sin City, you may see your monthly insurance rates rise from an average of $329 to $408. While a speeding ticket may not impact rates quite as much, that extra $30 a month adds up to $360 a year in money you could have spent elsewhere.
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.
| Credit Tie | |
|---|---|
| Excellent | $333 |
| Good | $356 |
| Average | $357 |
| Poor | $317 |
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.
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.
As American 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
