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Cheap Auto Insurance Quotes in North Las Vegas, NV (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Like Vegas, but North.
Not to be overshadowed by its sister city to the south, North Las Vegas is an independent metropolis surrounded by sprawling valley landscapes, mountainous vistas, and endless entertainment.
Whether you’re the outdoorsy type or wish to escape the heat, North Las Vegas has something for you. As the main mode of transportation for over 240,000 North Las Vegas residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in North Las Vegas. Compare and save on the best and cheapest car insurance quotes in North Las Vegas, Nevada
Quick Facts
- The average cost of car insurance in North Las Vegas is $342 per month, or $4104 annually.
- Car insurance in North Las Vegas is $130 more than the average cost of car insurance in Nevada.
- The cheapest car insurance provider in North Las Vegas on average is Sun Coast, but you should always compare quotes to find your best personal rate.
Car Insurance in North Las Vegas, NV
The average cost of Nevada car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in North Las Vegas, NV to find you the cheapest quotes in the area.
Quotes by Top Companies
State Farm$154
Allstate$225
Nationwide$241
The General$262
Cheapest Car Insurance in North 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!
| Insurance Provider in North Las Vegas | Quotes |
|---|---|
| State Farm | $154 /mo |
| Allstate | $225 /mo |
| Nationwide | $241 /mo |
| The General | $262 /mo |
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Best Car Insurance in North Las Vegas, NV
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 company reviews. The following are the top rated companies that offer car insurance in North Las Vegas. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $277 /mo |
| Liberty Mutual | 82 | $441 /mo |
| Mercury | 81 | $339 /mo |
| Travelers | 80 | $238 /mo |
See More: Best Car Insurance Companies
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.
North Las Vegas Car Insurance Rates by Driver Age
All but the most affluent teenagers in North Las Vegas will have a tough time making an $818 car insurance payment. Nevadans get a lower car insurance price as the number of years behind the wheel increases. So twentysomethings see an immediate $400 price drop over the youngest drivers. From that point, the rates slide down, with most spending less than the state average of $312 per month, but there’s a slight bump for the oldest drivers as they age. Those in their 60s get the best deal, with a price that’s over $500 cheaper than what teens pay.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $819 |
| 20s | $387 |
| 30s | $295 |
| 40s | $287 |
| 50s | $292 |
| 60s | $233 |
| 70s | $334 |
| 80s | $384 |
North Las Vegas Car Insurance Rates by Driving and Accident History
In the Silver State, safe driving pays dividends. Patrons enjoy the peace of mind that comes from defensive driving, and insurance companies award them with “good driver” and “accident-free” discounts. Why do drivers with a failure-to-stop violation pain least of all? Often, drivers with violations strip down their policies and opt for liability only, skipping comprehensive and collision coverage. An at-fault accident pushes the rate up $80 per month. Thankfully, three years of careful driving will restore a person’s record back to clean.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $316 |
| Speeding Ticket | $388 |
| At-Fault Accident | $396 |
| Failure to Stop for Red Light / Stop Sign | $217 |
North Las Vegas Car Insurance Rates by Credit Tier
What does credit have to do with the ability to safely operate a vehicle? In Nevada, insurance companies can only answer “a whole lot,” and then they use credit when setting rates. Usually, people with better credit pay the least. But in North Las Vegas, those with poor or average credit sneak in under those with better credit. The reason is that drivers with better credit can finance costlier cars and buy more coverage to protect their assets. Even so, moving from good to excellent credit will save over $60 per month, or $720 per year.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $315 |
| Good | $387 |
| Average | $314 |
| Poor | $294 |
See More: Bad Credit Car Insurance Nevada
Find local North Las Vegas agents
Express Auto Insurance
3112 Las Vegas Blvd N,
Las Vegas, NV 89115A Abana Auto Insurance
3073 W Craig Rd,
North Las Vegas, NV 89032Freeway Insurance
4388 E Craig Rd Ste 130,
Las Vegas, NV 89115Express Auto Insurance
3224 N Rancho Dr,
Las Vegas, NV 89130Hansen & Hansen Agency Inc.
2109 E Lake Mead Blvd,
North Las Vegas, NV 89030,Freeway Insurance
2041 Civic Center Dr,
North Las Vegas, NV 89030GEICO Insurance Agent
3315 W Craig Rd Suite 110,
North Las Vegas, NV 89032Freeway Insurance
1811 N Rancho Dr,
Las Vegas, NV 89106Freeway Insurance
2346 E Bonanza Rd,
Las Vegas, NV 89101A Abana Auto Insurance
3073 W Craig Rd,
North Las Vegas, NV 89032
North Las Vegas DMV Information
There is one major DMV outpost near the city of North Las Vegas located on Decatur Boulevard. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 8:30 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal. There are also over a dozen DMV outposts in nearby Las Vegas.
Public Transit in North Las Vegas
North Las Vegas offers visitors and residents a plethora of public transportation options thanks to its proximity to Las Vegas proper. The Las Vegas Monorail makes frequent stops along Las Vegas Boulevard, running late into the evening. Bus services operated by the RTC also provide stops towards the Vegas strip, and around surrounding suburbs like North Las Vegas and Sparks.
Many casinos and hotels around the city offer their guests complimentary shuttle service down the strip and to and from the airport. Several complimentary trams are also available along the western edge of the strip. Ridesharing services like Uber, Lyft, and traditional taxis operate across the city.
New services like scooter and bike shares are also available around Las Vegas, especially in the tourist-heavy areas along the Strip. Skip the traffic and scoot around!
Finally, Uber just announced a partnership with the public bus system in Las Vegas. Passengers will now be able to purchase transit tickets via their Uber app at the same cost as a traditional ticket.
How to get the best and cheapest car insurance in North Las Vegas
As American drivers know too well, enough 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 - North Las Vegas, NV Car Insurance
Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in Nevada, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance. If you're convicted of a DUI in Nevada, the fallout can be drastic. The DUI lookback period in Nevada is seven years. For first-time offenders, a DUI can lead to two days to six months in jail, community service, hundreds in fines, license suspension, driving school refresher, mandatory substance abuse programming, and installation of an ignition interlocking device. The best way to get the cheapest car insurance in North Las Vegas and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
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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.
Insurify Insights
How North Las Vegas Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in North Las Vegas, Nevada below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how North Las Vegas drivers measure up to their fellow motorists across Nevada in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in North Las Vegas
#5
City with the Most Speeding Tickets Rank in Nevada
#6
City with the Most Moving Violations Rank in Nevada
#4
City with the Most DUIs Rank in Nevada
#6
City with the Most Suspended Licenses in Nevada
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. North Las Vegas drivers rank 6 in the number of car accidents per driver across all cities in Nevada.
- Rank within state: #6
- Percent of drivers in North Las Vegas with an accident: 7.12%
- Drivers in North Las Vegas, NV with an accident in their driving history pay on average 32.5% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nevada, North Las Vegas drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in North Las Vegas with a speeding ticket: 5.21%
- Drivers in North Las Vegas, NV with a speeding ticket in their driving history pay on average 20.94% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Las Vegas drivers rank 4 in the number of DUI’s per driver across all cities in Nevada.
- Rank within state: #4
- Percent of drivers in North Las Vegas with a DUI: 1.72%
- Drivers in North Las Vegas, NV with a DUI in their driving history pay on average 2.81% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in North Las Vegas is the Nissan Altima.
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, North Las Vegas drivers rank 5 in rude driving infractions.
- Rank within state: #5
- Percent of drivers in North Las Vegas with a reckless driving violation: 1.29%
- Drivers in North Las Vegas, NV with a reckless driving violation in their driving history pay on average 41.56% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; North Las Vegas drivers rank 2 in clean driving records across all cities in Nevada.
- Rank within state: #2
- Percent of drivers in North Las Vegas with clean record: 86.81%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Las Vegas drivers rank 3 in failure to yield violations per driver across all cities in Nevada.
- Rank within state: #3
- Percent of drivers in North Las Vegas with a failure to yield violation: 0.48%
- Drivers in North Las Vegas, NV with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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, North Las Vegas drivers rank 2 in the number of reckless driving offenses per driver.
- Rank within state: #2
- Percent of drivers in North Las Vegas with a reckless driving offense: 0.1%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. North Las Vegas drivers rank 4 in hybrid and electric vehicle ownership across all cities in Nevada.
- Rank within state: #4
- Percent of drivers in North Las Vegas with a hybrid/electric vehicle: 0.97%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.