Cheap Quotes for Las Vegas, NV Car Insurance (2021)

Las Vegas, Nevada car insurance rates average $546 a month and Nevada law requires coverage of at least 25/50/20. By comparing rates from multiple Las Vegas, NV companies, you can find cheap Las Vegas car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Las Vegas, NV for senior drivers are $3,576/year
  • Average car insurance rates in Las Vegas, NV after a DUI are $7,835/year
  • Las Vegas has an average commute time of 26.1 minutes

How do the Las Vegas, Nevada monthly average car insurance rates of $546/month compare to nearby cities like Reno car insurance rates, North Las Vegas car insurance rates, and Elko car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Las Vegas, NV.

We’ll cover the Nevada minimum coverage requirements, Nevada car insurance laws, and Las Vegas, NV statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Las Vegas, Nevada companies to find the most affordable Las Vegas car insurance rates.

Enter your ZIP code above to find cheap Las Vegas, NV car insurance quotes today.

What are the minimum Las Vegas, NV car insurance requirements?

To meet Nevada minimum car insurance coverage requirements, Las Vegas, NV drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Las Vegas, Nevada

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Average Las Vegas, NV Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Las Vegas, NV you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Las Vegas, Nevada

ZIP Code Average Annual Rates
89101 $7,487
89102 $7,376
89104 $7,360
89106 $7,374
89107 $7,255
89108 $6,830
89110 $7,189
89117 $6,861
89124 $5,228
89128 $6,592
89129 $6,215
89130 $6,440
89131 $6,017
89134 $6,069
89138 $6,130
89143 $5,908
89144 $6,124
89145 $6,586
89146 $7,074
89149 $6,034
89156 $6,904
89158 $6,508
89161 $6,462
89165 $6,119
89166 $5,539
89179 $6,584
89199 $6,285

How do age, gender, and marital status affect Las Vegas, NV car insurance rates?

Three of the criteria that most affect car insurance rates in Las Vegas, Nevada are age, gender, and marital status. Let’s take a look at how each of these stack up with top Las Vegas car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Las Vegas, Nevada

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,236 $4,182 $3,961 $4,181 $14,177 $17,070 $4,490 $4,691
American Family $4,278 $4,278 $3,819 $3,819 $14,474 $18,921 $4,278 $4,895
Farmers $5,038 $5,183 $4,611 $5,235 $16,811 $17,935 $6,703 $6,647
GEICO $3,382 $3,280 $3,477 $3,597 $8,413 $7,614 $3,331 $2,801
Liberty Mutual $4,176 $4,529 $4,194 $4,768 $19,663 $21,960 $4,691 $4,860
Nationwide $3,157 $3,221 $2,876 $3,050 $7,971 $9,542 $3,779 $4,031
Progressive $2,983 $2,520 $2,590 $2,591 $13,100 $14,168 $3,444 $3,102
State Farm $4,689 $4,689 $4,274 $4,274 $14,618 $18,719 $5,258 $5,849
Travelers $2,908 $2,947 $2,788 $2,791 $16,261 $26,881 $3,218 $3,518
USAA $2,409 $2,361 $2,326 $2,301 $6,465 $7,273 $3,054 $3,238

How much do teen drivers pay for car insurance in Las Vegas, NV?

Las Vegas, Nevada car insurance rates for teens are often higher than rates for other drivers. Compare Las Vegas car insurance rates from multiple Las Vegas, Nevada car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Las Vegas, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,177 $17,070
American Family $14,474 $18,921
Farmers $16,811 $17,935
GEICO $8,413 $7,614
Liberty Mutual $19,663 $21,960
Nationwide $7,971 $9,542
Progressive $13,100 $14,168
State Farm $14,618 $18,719
Travelers $16,261 $26,881
USAA $6,465 $7,273

How much do senior drivers pay for car insurance in Las Vegas, NV?

With a little research, seniors can find affordable car insurance in Las Vegas, Nevada. Here’s a look at how the top Las Vegas car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Las Vegas, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,961 $4,181
American Family $3,819 $3,819
Farmers $4,611 $5,235
GEICO $3,477 $3,597
Liberty Mutual $4,194 $4,768
Nationwide $2,876 $3,050
Progressive $2,590 $2,591
State Farm $4,274 $4,274
Travelers $2,788 $2,791
USAA $2,326 $2,301

How does coverage level affect Las Vegas, NV car insurance rates?

How much coverage do you need? Are you comfortable with the Nevada minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Las Vegas, NV car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Las Vegas, Nevada

Insurance Company Low Medium High
Allstate $5,922 $7,268 $8,179
American Family $6,906 $7,788 $7,342
Farmers $7,553 $8,400 $9,608
GEICO $3,928 $4,358 $5,174
Liberty Mutual $7,664 $8,475 $9,677
Nationwide $4,547 $4,704 $4,859
Progressive $4,680 $5,301 $6,706
State Farm $7,015 $7,764 $8,610
Travelers $6,785 $7,680 $8,528
USAA $3,218 $3,635 $4,182

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How does your driving record affect Las Vegas, NV car insurance rates?

Safe driving pays off. The more traffic violations you have in Las Vegas, NV, the higher your car insurance rates will be. Compare rates based on driving infractions from top Las Vegas, Nevada companies.

Annual Las Vegas, Nevada Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,027 $7,128 $8,528 $6,811
American Family $5,904 $8,185 $8,810 $6,481
Farmers $7,081 $9,051 $9,428 $8,521
GEICO $3,074 $5,039 $6,049 $3,786
Liberty Mutual $6,264 $10,082 $10,116 $7,960
Nationwide $3,771 $4,855 $6,063 $4,124
Progressive $4,615 $6,412 $5,830 $5,392
State Farm $7,073 $8,519 $7,796 $7,796
Travelers $5,458 $8,172 $10,450 $6,576
USAA $2,778 $3,513 $5,282 $3,140

How does a DUI affect Las Vegas, NV car insurance rates?

With even one DUI on your record, you can see an increase in your Las Vegas, NV car insurance rates.

Annual Car Insurance Rates After a DUI in Las Vegas, Nevada

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,528
American Family $8,810
Farmers $9,428
GEICO $6,049
Liberty Mutual $10,116
Nationwide $6,063
Progressive $5,830
State Farm $7,796
Travelers $10,450
USAA $5,282

How does your credit history affect Las Vegas, NV car insurance rates?

Take a look at the data here to see how your Las Vegas, Nevada car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Las Vegas, Nevada

Insurance Company Poor Fair Good
Allstate $9,346 $6,517 $5,507
American Family $9,050 $6,963 $6,023
Farmers $10,046 $7,998 $7,517
GEICO $5,416 $4,487 $3,557
Liberty Mutual $12,387 $7,544 $5,885
Nationwide $5,556 $4,588 $3,966
Progressive $6,102 $5,475 $5,110
State Farm $14,199 $5,608 $3,582
Travelers $8,369 $7,519 $7,105
USAA $5,234 $3,186 $2,615

How does your commute affect Las Vegas, NV car insurance rates?

Las Vegas, NV car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Nevada can be seen here. Remember, though, that you may have to carry substantially more car insurance in Las Vegas if you’re financing.

Annual Car Insurance Rates by Commute Length in Las Vegas, Nevada

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,123 $7,123
American Family $7,241 $7,449
Farmers $8,520 $8,520
GEICO $4,404 $4,570
Liberty Mutual $8,605 $8,605
Nationwide $4,703 $4,703
Progressive $5,562 $5,562
State Farm $7,562 $8,031
Travelers $7,664 $7,664
USAA $3,630 $3,727

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Who has the cheapest Las Vegas, NV car insurance rates?

Here’s a breakdown of Las Vegas, Nevada car insurance rates by company. You can see which company offers the cheapest Las Vegas car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Las Vegas, Nevada

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Las Vegas, NV car insurance companies?

Which Las Vegas, Nevada car insurance company will best fit your needs and budget? Check out this comparison of the top Las Vegas companies to find the one for you.

Average Annual Car Insurance Rates by Company in Las Vegas, Nevada

Insurance Company Average Annual Rates
Allstate $7,123
American Family $7,345
Farmers $8,520
GEICO $4,487
Liberty Mutual $8,605
Nationwide $4,703
Progressive $5,562
State Farm $7,796
Travelers $7,664
USAA $3,678

What factors affect Las Vegas, NV car insurance rates?

Why are Las Vegas, Nevada car insurance rates different than rates in Reno or North Las Vegas? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Las Vegas, NV?

More time spent behind the wheel can lead to higher Las Vegas, Nevada car insurance rates. In Las Vegas, NV, the average commute length is 26.1 minutes.

What is the traffic like in Las Vegas, NV

Like commute length, time spent in traffic also increase risk of accidents. Las Vegas, NV is listed as 477th in INRIX congested cities data.

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Car Insurance Quotes for Las Vegas, NV

Shop for affordable Las Vegas, Nevada car insurance rates today. Enter your ZIP code to compare quotes from multiple Las Vegas, NV car insurance companies.

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