120+ more*Quotes generated for Insurify users in and around North Las Vegas, Nevada within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
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Licensed auto and home insurance agent
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Licensed property and casualty insurance agent
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Updated
Drivers in North Las Vegas pay an average of $275 per month for car insurance. This is higher than the Nevada state average. Auto insurance coverage is expensive because of the city’s high population density and its elevated risks of vehicle theft.[1]
North Las Vegas is one of the fastest-growing cities in Nevada.[2] Between 2020 and 2024, the city’s population grew by about 13%, according to the U.S. Census Bureau. Unfortunately, car insurance premiums are higher in North Las Vegas than they are in nearby Henderson, which has a lower property crime rate.[3]
Liability rates start as low as $64 per month
In Nevada, all drivers must maintain policies that satisfy the state’s minimum liability insurance requirements. These requirements include $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability insurance.[4]
On average, Nevada drivers pay $158 per month for car insurance that meets the minimum coverage requirements. But auto coverage is usually more expensive in North Las Vegas, where drivers pay an average of $222 per month.
North Las Vegas, which is home to the Las Vegas Motor Speedway, draws in thousands of visitors, and the city’s development has led to increased traffic and congestion on the roads. The city is also prone to earthquakes and has a higher-than-usual motor vehicle theft rate, so you may benefit from purchasing a full-coverage policy that includes collision and comprehensive coverage.
On average, full-coverage auto insurance policies cost $327 per month. But drivers could save by bundling auto insurance with other insurance products, such as homeowners insurance, renters insurance, or life insurance. Shopping around and comparing auto insurance quotes and adjusting deductibles are other ways to save money.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Country Financial | $64 | $101 |
| State Farm | $94 | $147 |
| Just Pay-Per-Mile | $125 | $196 |
| USAA | $132 | $204 |
| Allstate | $169 | $263 |
| Sun Coast | $177 | $328 |
| Mercury | $181 | $289 |
| Mendota | $211 | $388 |
| Safeco | $214 | $263 |
| GEICO | $219 | $310 |
| Trexis | $222 | $476 |
| Root | $223 | $339 |
| Direct Auto | $225 | $413 |
| Progressive | $234 | $291 |
| Just Unlimited | $238 | $389 |
| Farmers | $264 | $411 |
| Nationwide | $272 | $423 |
| Liberty Mutual | $276 | $361 |
| Travelers | $316 | $493 |
North Las Vegas is one of the most expensive cities in Nevada for car insurance. Only Las Vegas is more expensive.
Henderson is about 15 miles away from North Las Vegas, but car insurance rates in Henderson are significantly cheaper. Henderson has a lower crime rate than North Las Vegas, and drivers tend to spend less time commuting to work than they do in North Las Vegas.
The table below shows how North Las Vegas car insurance premiums compare to rates in other cities in Nevada.
Pay your first week’s premium and get immediate proof of insurance
North Las Vegas has grown rapidly, and it’s also home to the Las Vegas Motor Speedway. During race events (particularly in October for the Fall NASCAR Chase Weekend), thousands of people visit the area, increasing congestion and traffic. In addition, the expansion of the city means major infrastructure changes can make driving more challenging.
North Las Vegas drivers should be aware that the Las Vegas Boulevard North Improvement Project began in April 2026, and it’s expected to take 18 months to complete. During construction, lanes are shifted and there may be lane closures.
Construction is also underway on Hylo Park, a development located at Lake Mead Boulevard and Rancho Drive, that will include housing, youth sports facilities, and retail shops.[5] Drivers should be prepared for extra traffic and road closures during this project.
Nearly 5% of North Las Vegas drivers have an at-fault accident on their records, while about 3% have a ticket, according to Insurify data. Nevada is an at-fault state, so drivers who cause an accident must pay for the other driver’s injuries and damages.
Insurify data shows that approximately 0.65% of drivers in Nevada have a recent driving under the influence (DUI) conviction on their records. A DUI can have significant consequences in Nevada. For a first offense, you could face fines, jail time, DUI treatment or courses, and your vehicle could be impounded.[6]
Here you can see the average car insurance rates for North Las Vegas drivers with infractions on their records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $275 |
| Speeding ticket | $336 |
| At-fault accident | $344 |
| DUI | $351 |
Approximately 12% of North Las Vegas’ population is 65 or older. Seniors tend to pay less for coverage since they drive fewer miles than other drivers and have more experience on the road, so they’re less likely to be in accidents.
By contrast, teen drivers pay much higher rates. In Nevada, teens make up 12% of the state’s total fatal crashes, so they’re at a higher risk of being involved in serious accidents and are more expensive to insure.[7]
The table below shows the average car insurance rates by age in North Las Vegas.
Age | Average Monthly Quote |
|---|---|
| Teens | $348 |
| 20s | $258 |
| 30s | $215 |
| 40s | $208 |
| 50s | $195 |
| 60s | $169 |
| 70+ | $186 |
*Quotes generated for Insurify users in and around North Las Vegas, Nevada within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
As you shop for the right coverage in North Las Vegas, the following information can help you find the best policy for you.
The cheapest car insurance coverage in Las Vegas is available through Country Financial. On average, policyholders pay $64 per month for liability-only coverage. You can find cheap car insurance by requesting free quotes, talking to your local agent about available discounts, and adjusting your deductible.
No one company is best for every driver in Nevada since rates vary based on your driving record, location, and more. But Farmers, Allstate, GEICO, and State Farm rank among the best car insurance companies in Nevada based on their rates and coverage options.
North Las Vegas drivers pay an average of $222 per month for liability-only car insurance and $327 per month for full-coverage policies. These rates are more expensive than those in many other areas in Nevada, but they’re below the average car insurance rates in Las Vegas.
In Nevada, drivers pay an average of $204 per month for car insurance. This is a higher rate than the national average. Your rates may vary based on your driving history, age, deductible level, and more.
North Las Vegas car insurance rates are driven by the city’s rapid growth, traffic congestion, and the higher-than-usual risk of theft. Your ZIP code and driving record can also affect your rates.
Insurify data scientists analyzed more than 190 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:
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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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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