Las Vegas is Nevada's largest city, with almost two million residents living inside the metro area. Our recent study took a look at auto insurance rates in "Sin City" and the disparity between premiums in different neighborhoods. The insurer that offered the lowest rates in Las Vegas for our profile driver was Allied Insurance with an average annual rate of $970, which is 28% lower than the city average of $1,338. Read on to learn about the best insurers in Las Vegas or enter your zip code above to get quotes from a number of insurers.
Cheapest Car Insurance in Las Vegas, Nevada
We collected quotes from eight different insurance companies across 10 neighborhoods in Las Vegas, and in each area Allied offered the lowest rates. The second cheapest insurer was USAA who provided quotes of $1,129 per year—or around $94 per month—on average. However, USAA will not be an option for many Las Vegans, as it is only available to military members and their families.
Find the Cheapest Auto Insurance Quotes in Your Area
There was wide range in insurance costs in Las Vegas, with the most expensive insurer—which was Mercury—costing 67% more than the cheapest insurer. This equates to $648 more in insurance premiums per year. Because of this huge discrepancy we recommend that drivers always gather multiple quotes when shopping for auto insurance.
|Auto Insurance Company||Average Annual Rate|
Average Cost of Car Insurance in Las Vegas: by Neighborhood
ValuePenguin looked at insurance costs in 10 distinct neighborhoods through the Las Vegas metro area to help our readers determine which companies had the lowest rates near them. There was a $263 difference between the least expensive area of Henderson with an average rate of $1,196 and the most expensive neighborhood of Downtown Las Vegas, where the average cost was $1,458.
|Neighborhood||Average Annual Cost of Car Insurance|
|5||North Las Vegas||$1,335|
|Las Vegas Average||$1,338|
Best Auto Insurance Companies in Las Vegas
Our top recommendation for car insurance in Las Vegas is Allied Insurance, which is a company owned by Nationwide Insurance. Allied was our favorite Las Vegas insurer because it consistently offered the lowest rates for our benchmark driver. In Downtown Las Vegas—the most expensive area in the city for car insurance—our research found that an Allied insurance policy cost more than 25% less than the average for that area.
|Auto Insurance Company||Best For…|
Located in the Northeastern Corner of the greater Las Vegas metropolitan area is the Nellis Air Force Base (AFB), which is home to over 11,000 military members. Those stationed at Nellis AFB, will qualify to purchase USAA car insurance, which is our top car insurance recommendation for military members. Even though USAA didn't offer the lowest rates in the city, it's unique discounts for military members—such as stored vehicle discounts for deployed customers—make up for this.
Auto Insurance Agents in Las Vegas and Clark County
Though most of the insurers that we included in this study allow consumers to purchase policies online, many people prefer to work with an agent in person. Below, we've compiled a directory of local insurance companies and agents in your area; consult our list to find an insurer near you in Las Vegas.
|Henderson||Express Auto Insurance LLC||1371 W Warm Springs Rd, Henderson, NV 89014|
|GEICO Insurance Agent||19 S Stephanie St #190, Henderson, NV 89012|
|Allstate Insurance Agent: The Bell Agency||1000 Green Valley Parkway Ste 450, Henderson, NV 89074|
|Centurion Insurance Services||199 N Arroyo Grande Blvd ste 150, Henderson, NV 89074|
|Farmers Insurance - Bonnie Grant||223 S Water St Ste B, Henderson, NV 89015|
|Summerlin||Allstate Insurance Agent: Jayna Magliaro||8430 Lake West Dr Ste 100, Las Vegas, NV 89128|
|Red Rock Insurance||1958 Village Center Cir #5, Las Vegas, NV 89134|
|InTouch Insurance Centers||1780 N Buffalo Dr, Las Vegas, NV 89128|
|AAA Summerlin||10860 W Charleston Blvd #130, Las Vegas, NV 89135|
|Nationwide Insurance: Michael Derek Kilgore||1180 N Town Center Dr #100, Summerlin, NV 89144|
|Sunrise Manor||Allstate Insurance Agent: Joe Webster||5001 E Bonanza Rd Ste 134, Las Vegas, NV 89110|
|Farmers Insurance - Teresa Johnson||4974 E Sahara Ave Ste 7, Las Vegas, NV 89104|
|Freeway Insurance Services||4491 E Tropicana Ave, Las Vegas, NV 89121|
|Rodney D. Young Insurance||1220 S Nellis Blvd a, Las Vegas, NV 89104|
|Leonel Alberto - State Farm Insurance||4730 E Sahara Ave ste a, Las Vegas, NV 89104|
|Enterprise||AAA Southwest Las Vegas||7445 S Durango Dr #103, Las Vegas, NV 89113|
|Allstate Insurance Agent: The Taylor Family Agency||8390 S Rainbow Blvd Ste 104, Las Vegas, NV 89139|
|Jen Sias-Lyke - State Farm Insurance Agent||8060 S Rainbow Blvd, Ste 120, Las Vegas, NV 89139|
|Farmers Insurance - Steven Stiles||9345 S Cimarron Rd Ste 120, Las Vegas, NV 89178|
|American Family Insurance - Diana Waiters Ralston||4300 Blue Diamond Rd #104, Las Vegas, NV 89139|
|North Las Vegas||Express Auto Insurance LLC||3112 N Las Vegas Blvd, Las Vegas, NV 89115|
|Auto Insurance America||1221 E Lake Mead Blvd, North Las Vegas, NV 89030|
|Allstate Insurance Agent: Morris McPherson||5515 Camino Al Norte Ste 106, North Las Vegas, NV 89031|
|El Sol Insurance||2415 N Las Vegas Blvd #104, North Las Vegas, NV 89030|
|Nationwide Insurance: Sage Insurance Services Agency||2225 Civic Center Dr #132, North Las Vegas, NV 89030|
|Whitney||L A Insurance||5015 E Tropicana Ave, Las Vegas, NV 89122|
|Loya Insurance Company||6325 Russell Road, STE 104, Las Vegas, NV 89122|
|Best Rate Auto Insurance||4930 E Tropicana Ave, Las Vegas, NV 89121|
|Allstate Insurance Agent: Alex Kleytman||1291 Galleria Dr Ste 125, Henderson, NV 89014|
|Express Auto Insurance LLC||1371 W Warm Springs Rd, Henderson, NV 89014|
|Spring Valley||Allstate Insurance Agent: Michael Chae||6820 W Flamingo Rd Ste E, Las Vegas, NV 89103|
|Accupro Insurance||3650 S Jones Blvd # 5, Las Vegas, NV 89103|
|Freeway Insurance Services||5645 Spring Mountain Rd, Las Vegas, NV 89146|
|State Farm: Matt Keim||4445 W Flamingo Rd, Las Vegas, NV 89103|
|Safeguard Insurance||5225 S Durango Dr, Las Vegas, NV 89113|
|Paradise||Fred McMahon - State Farm Insurance Agent||3430 E Tropicana Ave #31, Las Vegas, NV 89121|
|Freeway Insurance Services||3421 E Tropicana Ave Suite P, Las Vegas, NV 89121|
|Farmers Insurance: Lewis Edward||5280 S Eastern Ave # A2, Las Vegas, NV 89119|
|Allstate Insurance Agent: Moe Elousta||1955 E Tropicana Ave Ste 1, Las Vegas, NV 89119|
|Express Auto Insurance LLC||3035 E Tropicana Ave, Las Vegas, NV 89121|
|Winchester||Acceptance Auto Insurance||2797 S Maryland Pkwy, Las Vegas, NV 89109|
|Aztec Insurance Agency||1130 E Desert Inn Rd # 225, Las Vegas, NV 89109|
|Freeway Insurance Services||3843, 1920 E Sahara Ave, Las Vegas, NV 89104|
|Farmers Insurance - Nino Jimenez||3375 Glen Ave Ste 10, Las Vegas, NV 89121|
|Loya Insurance Company||2595 S Maryland Pkwy #107A, Las Vegas, NV 89109|
|Downtown||Ruben Torres - COUNTRY Financial Representative||627 S 7th St, Las Vegas, NV 89101|
|Loya Insurance Company||1010 E Charleston Blvd, Las Vegas, NV 89104|
|Simple Insurance, LLC||2412 Stewart Ave, Las Vegas, NV 89101|
|Freeway Insurance Services||2346 E Bonanza Rd, Las Vegas, NV 89101|
|Tom Prince Agency - Allstate||546 N Eastern Ave #110, Las Vegas, NV 89101|
Minimum Car Insurance Requirements in Las Vegas, Nevada
Nevada drivers are required to have auto insurance in order to legally operate a vehicle on the road. The required coverages are bodily injury liability and property damage liability. Being caught driving without insurance can result in fines and possibly license suspension.
|Bodily Injury Liability||$25,000 per person / $50,000 per accident|
|Property Damage Liability||$20,000 per accident|
Our sample Las Vegas car insurance rates assume the driver is a 30 year old single male who owns his own vehicle, has excellent credit, and opts for basic liability coverage, slightly above what is required by the state of Nevada. The man drives a 2010 Toyota Camry and puts between 10-15k miles per year on the car which is primarily used for commuting to and from work. Additionally, the driver has no moving violations or accidents in the past 5 years.