Cheapest Auto Insurance in North Las Vegas, Nevada (2025)
In North Las Vegas, COUNTRY Financial offers the cheapest liability-only rates, at an average of $41 a month.
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Written byGeoff Williams
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27+ years writing about personal finance
Bylines in numerous notable publications
Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Table of contents
North Las Vegas is the most expensive city for auto insurance rates in Nevada. Monthly average rates for car insurance in North Las Vegas are $255. That’s higher than the state’s monthly average of $223.
North Las Vegas’ population of 280,000 residents and close proximity to Sin City can drive up car insurance rates, despite how residential it is.[1] Here’s what you need to know about getting cheap car insurance in North Las Vegas by comparing rates from multiple companies.
Quick Facts
North Las Vegas drivers pay an average of $208 a month for liability insurance and $303 a month for full coverage.
The cheapest insurers for liability-only insurance in North Las Vegas are COUNTRY Financial, State Farm, and USAA.
Car insurance companies in Nevada can use your credit history to help determine car insurance rates.[2]
Cheapest car insurance companies in North Las Vegas
Searching for the cheapest and best car insurance company for your needs can take time. What’s best for your neighbor may not be the best option for you.
Here are some of the best auto insurers in North Las Vegas to start your search.
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 | 9.1 | $56 | $37 | Discounts |
| USAA | 9.1 | $114 | $75 | Military members |
| Safeco | 8.1 | $201 | $167 | Coverage options |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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.
Best insurer for discounts: COUNTRY Financial
| User Reviews | 3.6 |
|---|---|
| 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. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| 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. | $64/mo |
3.6
A solid optionBased on 49 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (30)
Nan
March 30, 2025
Verified Review
Good
I would like my representative to return my calls. My coverage has been average.
Donna
March 12, 2025
Verified Review
Ok
The policy is good, but it's too pricey.
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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+Why we picked this company
COUNTRY Financial offers a long list of various discounts, making it easy for you to find several you may qualify for. Discounts for teen drivers, using its telematics app, being engaged, and more round out COUNTRY Financial’s savings opportunities.
Pros
Plenty of available discounts
AM Best financial strength rating of A+ (Superior)
Cons
Rideshare insurance not available
Mobile app claims filing not available
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| 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. | $130/mo |
4.9
Best choiceBased on 2,105 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,194)
Errin
July 9, 2025
Verified Review
They Could Do Better!
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
Herbert
July 5, 2025
Verified Review
Personally beneficial
Very easy to work with.
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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++Why we picked this company
USAA exclusively caters to active-duty military members, veterans, and their families, providing car insurance, home insurance, and life insurance. The insurer could be a good option for a significant portion of North Las Vegas residents. Nellis Air Force Base is just 5 miles northeast of North Las Vegas, with a military population of 60,000 in the area, including family members and retirees.
Pros
High J.D. Power customer satisfaction ratings
Highly rated mobile app
Cons
Gap insurance not available
Membership restricted to military members and their families
Best insurer for coverage options: Safeco
| User Reviews | 4.4 |
|---|---|
| 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. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $190/mo |
| 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. | $230/mo |
4.4
Best choiceBased on 877 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (492)
Judith
July 4, 2025
Verified Review
Good coverage at a high price
Cost was my only reason for changing carriers.
Judith
July 3, 2025
Verified Review
Driving 2,000 miles last year has become very expensive with latest insurance rates
They were good about handling an accident claim five years ago, but when I talked to someone about better insurance rates, they never called back.
Donald
June 26, 2025
Verified Review
DC insurance
Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy we picked this company
Safeco has a reputation for extensive coverage options that go above and beyond what many other insurers offer. It offers rental car reimbursement, new-vehicle replacement, and 24-hour roadside assistance. You can also get 2.5% of your premium back every six months you go without filing a claim.
Pros
Offers cash back for going claims-free
Specialty coverage options available
Cons
Below-average claims satisfaction rating
Limited number of available discounts
How to get the cheapest car insurance in North Las Vegas
How much you pay for car insurance in North Las Vegas depends on many variables, like your age, gender, vehicle, ZIP code, credit score, and more. And while one of the best ways to find cheap car insurance is to compare quotes from three or more of the best insurance companies, it’s not the only way to lower your rates.
Here are some things to consider as you look for cheap car insurance:
Reconsider coverage. If you drive an older, paid-off vehicle, you may not need as much car insurance. Comprehensive and collision insurance aren’t as crucial for older vehicles than they are for new vehicles, so you can consider dropping down to liability-only coverage.
Raise your deductible. The higher your deductible, the lower your premiums. Just make sure you can afford to pay the out-of-pocket deductible if you ever file a claim.
Look for discounts. Ask your insurance agent if they know of any discounts that can lower your rates. Insurers usually offer savings for safe driving, certain vehicle features, bundling policies, and more.
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Cheapest liability-only car insurance in North Las Vegas: COUNTRY Financial
Liability-only car insurance covers the repair and medical bills of the other party after an accident you caused. But it only goes so far. Liability insurance won’t cover your own injuries or vehicle repairs in an at-fault accident. And if you carry only the minimum required amount, you may still be on the hook financially if the other driver’s damage and injury costs exceed your policy limits.
Because liability offers limited coverage, it’s usually cheaper than a full-coverage policy. COUNTRY Financial is the cheapest car insurance company in North Las Vegas, with average rates of $41 a month. The table below shows average monthly rates for top insurers serving North Las Vegas.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $41 |
| State Farm | $61 |
| USAA | $85 |
| Allstate | $109 |
| Mercury | $165 |
| Farmers | $169 |
| Nationwide | $175 |
| Sun Coast | $181 |
| Root | $183 |
| Safeco | $190 |
| Travelers | $202 |
| Progressive | $205 |
| American Family | $207 |
| Direct Auto | $209 |
| Dairyland | $218 |
| GEICO | $239 |
| Bristol West | $287 |
| Liberty Mutual | $301 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 North Las Vegas: COUNTRY Financial
Full-coverage car insurance provides you the protection that liability coverage does, but it goes further and includes collision and comprehensive coverages, which pay for vehicle repairs, regardless of fault. Full coverage will generally always be more expensive because it covers your vehicle in more situations.
On average, North Las Vegas drivers pay $303 per month for full-coverage car insurance. The table below shows the cheapest full-coverage car insurance companies in North Las Vegas.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $64 |
| State Farm | $93 |
| USAA | $130 |
| Allstate | $167 |
| Safeco | $230 |
| Progressive | $233 |
| Mercury | $244 |
| Farmers | $261 |
| Nationwide | $269 |
| GEICO | $273 |
| Root | $289 |
| Sun Coast | $308 |
| Travelers | $311 |
| American Family | $318 |
| Direct Auto | $351 |
| Liberty Mutual | $356 |
| Dairyland | $398 |
| Bristol West | $456 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 North Las Vegas, Nevada
Recent North Las Vegas, Nevada car insurance prices for Toyota, Chevrolet, Ford , and more.
*Quotes generated for Insurify users in and around North Las Vegas, Nevada within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around North Las Vegas, Nevada within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Nevada
If you live in North Las Vegas, you need to have automobile liability coverage. It’s also worth noting that you have to have coverage at all times; there’s no grace period. If your insurance lapses for even just one day, the state could suspend your vehicle registration. The minimum penalty for this infraction is a $250 reinstatement fee.[3]
Here are the minimum car insurance requirements Nevada requires:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
But these requirements are the least of what you need to do. Meeting the minimum requirements will keep you from getting in trouble with the law, but minimum coverage doesn’t protect you in every situation.
If you want to keep your car protected in more situations, you may want to also purchase additional coverages:
Comprehensive coverage
This coverage pays for damages to your car from non-collision events like theft, vandalism, weather, falling objects, and more.
Collision coverage
This pays for vehicle damages and repairs when you hit a stationary object or another vehicle, even if it was your fault.
Uninsured/underinsured motorist (UM/UIM)
This covers damages and injuries to you and your passengers if another driver with insufficient insurance causes an accident.
Medical payments (MedPay)
Similar to personal injury protection (PIP), MedPay covers injuries to you and your passengers, even if you’re at fault for the accident.
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record, your insurance premiums will almost certainly increase. Incidents on your record include speeding tickets, at-fault accidents, DUI (driving under the influence) convictions, and other moving violations.
Incidents like these on your record signal to insurers that you’re more at risk for filing a claim and causing losses, so insurers raise rates to offset that risk. Here’s how different incidents can affect your car insurance premiums in North Las Vegas.
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Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial
The average car insurance rate for drivers with a speeding ticket in North Las Vegas is $288 a month. Speed in North Las Vegas, and you may find yourself visiting the North Las Vegas Municipal Court.
If you get a speeding ticket in North Las Vegas, it’s a safe bet that your insurer will raise your rates. Here are the cheapest car insurance companies in the city for drivers with a speeding ticket.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| COUNTRY Financial | $41 | $49 |
| State Farm | $61 | $71 |
| USAA | $85 | $100 |
| Allstate | $109 | $127 |
| Mercury | $165 | $211 |
| Farmers | $169 | $199 |
| Nationwide | $175 | $207 |
| Sun Coast | $181 | $204 |
| Root | $183 | $228 |
| Safeco | $190 | $230 |
| Travelers | $202 | $239 |
| Progressive | $205 | $231 |
| American Family | $207 | $245 |
| Direct Auto | $209 | $247 |
| Dairyland | $218 | $256 |
| GEICO | $239 | $289 |
| Bristol West | $287 | $341 |
| Liberty Mutual | $301 | $361 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
If you cause an accident, your premiums will likely increase. The average cost of car insurance for drivers after an at-fault accident in North Las Vegas is $319 a month. You may not see your rates increase if you purchased accident forgiveness, but it depends on the severity of the accident.
Here are the cheapest auto insurers in North Las Vegas after an at-fault accident.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| COUNTRY Financial | $41 | $52 |
| State Farm | $61 | $76 |
| USAA | $85 | $107 |
| Allstate | $109 | $136 |
| Mercury | $165 | $229 |
| Farmers | $169 | $213 |
| Nationwide | $175 | $221 |
| Sun Coast | $181 | $226 |
| Root | $183 | $230 |
| Safeco | $190 | $252 |
| Travelers | $202 | $255 |
| Progressive | $205 | $256 |
| American Family | $207 | $262 |
| Direct Auto | $209 | $271 |
| Dairyland | $218 | $274 |
| GEICO | $239 | $282 |
| Bristol West | $287 | $362 |
| Liberty Mutual | $301 | $384 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Insurers consider a DUI as an extremely serious incident because it can lead to vehicle damages, injuries, and traffic fatalities. So, if you have a DUI on your record, your rates will almost certainly increase. In some cases, your insurer may stop working with you altogether.
The average cost of car insurance with a DUI on your record in North Las Vegas is $411 a month. The table below shows the cheapest car insurance for drivers in North Las Vegas with a DUI on their records.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| COUNTRY Financial | $41 | $63 |
| State Farm | $61 | $94 |
| USAA | $85 | $130 |
| Allstate | $109 | $167 |
| Mercury | $165 | $257 |
| Farmers | $169 | $259 |
| Nationwide | $175 | $269 |
| Sun Coast | $181 | $291 |
| Root | $183 | $281 |
| Safeco | $190 | $303 |
| Travelers | $202 | $310 |
| Progressive | $205 | $330 |
| American Family | $207 | $318 |
| Direct Auto | $209 | $321 |
| Dairyland | $218 | $335 |
| GEICO | $239 | $367 |
| Bristol West | $287 | $441 |
| Liberty Mutual | $301 | $462 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Auto insurers calculate premiums by looking at many different variables, and age is a significant factor. If you’re age 75 or older, your premiums will generally be higher than those of middle-aged drivers because of age-related higher traffic-fatality risks and impairments.[4] Seniors in North Las Vegas pay an average of $214 a month for car insurance, according to Insurify data.
The table below shows the cheapest insurance companies for senior drivers in the city.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $34 | $53 |
| State Farm | $47 | $72 |
| USAA | $68 | $104 |
| Allstate | $88 | $134 |
| Nationwide | $131 | $201 |
| Farmers | $132 | $203 |
| Mercury | $135 | $200 |
| Sun Coast | $152 | $258 |
| Root | $153 | $242 |
| Travelers | $158 | $243 |
| Direct Auto | $163 | $273 |
| Safeco | $163 | $198 |
| American Family | $163 | $251 |
| Progressive | $172 | $195 |
| Dairyland | $176 | $321 |
| GEICO | $187 | $213 |
| Bristol West | $232 | $369 |
| Liberty Mutual | $249 | $295 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Insurers tend to charge more expensive premiums for young drivers because of their inexperience behind the wheel and higher risk of filing a claim. Teen drivers have options for getting lower insurance premiums, like staying on their parents’ policies, driving a safe car, and qualifying for student-centric discounts. On average, car insurance for teen drivers in North Las Vegas costs $438 per month.
If you’re a teenager, or you have a teenager driving in North Las Vegas, these are the cheapest auto insurers from which to start your search.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $60 | $94 |
| State Farm | $111 | $170 |
| USAA | $150 | $229 |
| Allstate | $206 | $316 |
| Mercury | $297 | $440 |
| Root | $305 | $482 |
| Farmers | $309 | $477 |
| Sun Coast | $311 | $529 |
| Nationwide | $326 | $501 |
| Dairyland | $349 | $637 |
| Progressive | $352 | $401 |
| American Family | $370 | $569 |
| Safeco | $377 | $457 |
| Travelers | $385 | $592 |
| Direct Auto | $397 | $667 |
| GEICO | $411 | $469 |
| Bristol West | $496 | $789 |
| Liberty Mutual | $523 | $618 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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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North Las Vegas car insurance quotes by credit tier
Most states, including Nevada, allow insurers to consider credit scores when pricing insurance policies.[2] Auto insurers argue that a driver’s credit score is a sign of how likely they are to file a claim. Drivers who have excellent or good credit scores typically pay cheaper insurance premiums than people with poor credit scores.
The table below shows how North Las Vegas drivers’ credit scores can affect their insurance premiums.
Rates by Credit Tier
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.
Is car insurance more expensive in North Las Vegas?
Car insurance is more expensive in North Las Vegas than in many other parts of the country. The national car insurance average is $193 per month for full coverage, and liability-only costs $107. Meanwhile, North Las Vegas drivers pay an average of $208 for liability-only coverage and $303 for full coverage.
It’s always hard to pinpoint the exact reasons any city or town has high insurance rates. However, property crime in North Las Vegas has increased, which means insurers need to factor in the risk of theft or vandalism.[5] North Las Vegas also neighbors Las Vegas, which has more than 600,000 residents — and with a lot of traffic, your odds of an accident increase.
More cities in Nevada
The table below shows how car insurance in North Las Vegas compares to other cities across the Silver State. On average, drivers pay $303 a month for full-coverage car insurance in North Las Vegas.
Here’s how the average cost of car insurance in North Las Vegas compares to other Nevada cities’ average rates.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Henderson | $171 | $253 |
| Las Vegas | $204 | $301 |
| Pahrump | $133 | $219 |
| Reno | $103 | $177 |
| Sparks | $103 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
North Las Vegas car insurance FAQs
Learn more about rideshare insurance in Nevada, and check out the answers to common questions about car insurance in North Las Vegas.
How much is car insurance in North Las Vegas?
The average cost of car insurance in North Las Vegas is $208 a month for liability insurance and $303 a month for full coverage.
Which company has the cheapest car insurance in North Las Vegas?
COUNTRY Financial has the cheapest car insurance rates in North Las Vegas, at $41 per month for liability-only coverage. North Las Vegas drivers can also find cheap coverage with State Farm and USAA, which have liability rates of $60 and $84, respectively.
However, you should compare quotes and shop carefully for car insurance to find the company that offers the coverage you need at a price you can afford.
What are the best car insurance companies in North Las Vegas?
Some of the best car insurance companies in North Las Vegas are USAA, Safeco, and COUNTRY Financial. These companies have high Insurify Quality (IQ) Scores, plenty of coverage options, solid J.D. Power ratings, and strong financial stability ratings.
How much is car insurance per month in Nevada?
The average cost of car insurance in Nevada is $270 a month for full-coverage insurance and $175 a month for liability coverage.
Why is auto insurance so expensive in North Las Vegas?
Auto insurance is expensive in North Las Vegas for several reasons. Its proximity to Las Vegas and that area’s traffic and tourists is the main reason, but North Las Vegas also has more than 280,000 residents, which can contribute to higher insurance rates.
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 500+ 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
- 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.
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Sources
- U.S. Census Bureau. "QuickFacts: North Las Vegas city, Nevada."
- Nevada Division of Insurance. "Credit Scoring FAQs."
- Nevada Department of Motor Vehicles. "Insurance."
- III. "Senior driving safety and insurance tips."
- Nevada Crime Statistics. "Property Crime 2022."
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Geoff Williams
Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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