Who Has The Best Car Insurance Rates in Las Vegas?

Find the Cheapest Auto Insurance Quotes in Your Area

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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.

Chart of the Five Cheapest Auto Insurance Companies in Las Vegas

Find the Cheapest Auto Insurance Quotes in Your Area

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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 CompanyAverage Annual Rate
3Liberty Mutual$1,202
5State Farm$1,378

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.


NeighborhoodAverage Annual Cost of Car Insurance
3Sunrise Manor$1,299
5North Las Vegas$1,335
7Spring Valley$1,346
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 CompanyBest For…
AlliedLow Cost
USAAMilitary Members

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.


HendersonExpress Auto Insurance LLC1371 W Warm Springs Rd, Henderson, NV 89014
GEICO Insurance Agent19 S Stephanie St #190, Henderson, NV 89012
Allstate Insurance Agent: The Bell Agency1000 Green Valley Parkway Ste 450, Henderson, NV 89074
Centurion Insurance Services199 N Arroyo Grande Blvd ste 150, Henderson, NV 89074
Farmers Insurance - Bonnie Grant223 S Water St Ste B, Henderson, NV 89015
SummerlinAllstate Insurance Agent: Jayna Magliaro8430 Lake West Dr Ste 100, Las Vegas, NV 89128
Red Rock Insurance1958 Village Center Cir #5, Las Vegas, NV 89134
InTouch Insurance Centers1780 N Buffalo Dr, Las Vegas, NV 89128
AAA Summerlin10860 W Charleston Blvd #130, Las Vegas, NV 89135
Nationwide Insurance: Michael Derek Kilgore1180 N Town Center Dr #100, Summerlin, NV 89144
Sunrise ManorAllstate Insurance Agent: Joe Webster5001 E Bonanza Rd Ste 134, Las Vegas, NV 89110
Farmers Insurance - Teresa Johnson4974 E Sahara Ave Ste 7, Las Vegas, NV 89104
Freeway Insurance Services4491 E Tropicana Ave, Las Vegas, NV 89121
Rodney D. Young Insurance1220 S Nellis Blvd a, Las Vegas, NV 89104
Leonel Alberto - State Farm Insurance4730 E Sahara Ave ste a, Las Vegas, NV 89104
EnterpriseAAA Southwest Las Vegas7445 S Durango Dr #103, Las Vegas, NV 89113
Allstate Insurance Agent: The Taylor Family Agency8390 S Rainbow Blvd Ste 104, Las Vegas, NV 89139
Jen Sias-Lyke - State Farm Insurance Agent8060 S Rainbow Blvd, Ste 120, Las Vegas, NV 89139
Farmers Insurance - Steven Stiles9345 S Cimarron Rd Ste 120, Las Vegas, NV 89178
American Family Insurance - Diana Waiters Ralston4300 Blue Diamond Rd #104, Las Vegas, NV 89139
North Las VegasExpress Auto Insurance LLC3112 N Las Vegas Blvd, Las Vegas, NV 89115
Auto Insurance America1221 E Lake Mead Blvd, North Las Vegas, NV 89030
Allstate Insurance Agent: Morris McPherson5515 Camino Al Norte Ste 106, North Las Vegas, NV 89031
El Sol Insurance2415 N Las Vegas Blvd #104, North Las Vegas, NV 89030
Nationwide Insurance: Sage Insurance Services Agency2225 Civic Center Dr #132, North Las Vegas, NV 89030
WhitneyL A Insurance5015 E Tropicana Ave, Las Vegas, NV 89122
Loya Insurance Company6325 Russell Road, STE 104, Las Vegas, NV 89122
Best Rate Auto Insurance4930 E Tropicana Ave, Las Vegas, NV 89121
Allstate Insurance Agent: Alex Kleytman1291 Galleria Dr Ste 125, Henderson, NV 89014
Express Auto Insurance LLC1371 W Warm Springs Rd, Henderson, NV 89014
Spring ValleyAllstate Insurance Agent: Michael Chae6820 W Flamingo Rd Ste E, Las Vegas, NV 89103
Accupro Insurance3650 S Jones Blvd # 5, Las Vegas, NV 89103
Freeway Insurance Services5645 Spring Mountain Rd, Las Vegas, NV 89146
State Farm: Matt Keim4445 W Flamingo Rd, Las Vegas, NV 89103
Safeguard Insurance5225 S Durango Dr, Las Vegas, NV 89113
ParadiseFred McMahon - State Farm Insurance Agent3430 E Tropicana Ave #31, Las Vegas, NV 89121
Freeway Insurance Services3421 E Tropicana Ave Suite P, Las Vegas, NV 89121
Farmers Insurance: Lewis Edward5280 S Eastern Ave # A2, Las Vegas, NV 89119
Allstate Insurance Agent: Moe Elousta1955 E Tropicana Ave Ste 1, Las Vegas, NV 89119
Express Auto Insurance LLC3035 E Tropicana Ave, Las Vegas, NV 89121
WinchesterAcceptance Auto Insurance2797 S Maryland Pkwy, Las Vegas, NV 89109
Aztec Insurance Agency1130 E Desert Inn Rd # 225, Las Vegas, NV 89109
Freeway Insurance Services3843, 1920 E Sahara Ave, Las Vegas, NV 89104
Farmers Insurance - Nino Jimenez3375 Glen Ave Ste 10, Las Vegas, NV 89121
Loya Insurance Company2595 S Maryland Pkwy #107A, Las Vegas, NV 89109
DowntownRuben Torres - COUNTRY Financial Representative627 S 7th St, Las Vegas, NV 89101
Loya Insurance Company1010 E Charleston Blvd, Las Vegas, NV 89104
Simple Insurance, LLC2412 Stewart Ave, Las Vegas, NV 89101
Freeway Insurance Services2346 E Bonanza Rd, Las Vegas, NV 89101
Tom Prince Agency - Allstate546 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.

Insurance Coverage

Minimum Requirements
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.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.