Who Has the Cheapest Car Insurance Rates in Las Vegas, Nevada?

Who Has the Cheapest Car Insurance Rates in Las Vegas, Nevada?

The average cost of car insurance for drivers in Las Vegas is $156/month. Here are the companies that can offer you the most affordable rates for your background.

Find Cheap Auto Insurance Quotes in Las Vegas, NV

Currently insured?

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," the impact of driver profiles on quotes and the disparity between premiums in different neighborhoods.

Drivers residing in large cities or metropolitan areas often face the challenge of finding inexpensive auto insurance rates. While rates in Las Vegas tend to be more expensive than smaller areas of Nevada, you can still save money on insurance by comparing quotes.


Cheapest for minimum liability

Progressive logo
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Cheapest for full coverage

State Farm logo
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Cheapest for drivers with an accident

State Farm logo
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Best for customer service

Travelers logo
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The cheapest minimum insurance policy in Las Vegas has an average quote that is nearly a third of the costs of the most expensive minimum policy.

Table of contents

Cheapest car insurance in Las Vegas

The cheapest insurance policies are ones that only meet the minimum liability insurance requirements set by the state. Out of seven large and widely available insurers, Progressive had the lowest average quotes with an annual premium cost of $1,295. The second cheapest insurer, and a great alternative, is State Farm, which is around the same price as Progressive.

The cheapest insurer overall is USAA who provided quotes of $832 per year — or around $69 per month — on average. However, USAA will not be an option for many Las Vegas residents, as it is only available to current and former military members and their families.

This graph identifies and ranks the three companies in Las Vegas, Nev. with the best rates

Find Cheap Auto Insurance Quotes in Las Vegas

Currently insured?

Dense cities like Las Vegas tend to have a higher risk of accidents, making insurance prices more expensive than smaller areas like Reno or Dayton. This is why Las Vegas and its surrounding cities have insurance premiums that tend to be pricier than Nevada's average.

Even though the minimum policy is the most affordable option for car insurance, the minimum requirements set by Nevada will not cover you for damages to your own vehicle and personal belongings.

Rank
Insurance company
Average annual
1Progressive$1,295
2State Farm$1,343
3CSAA$1,723
4American Family$1,829
5Geico$2,028
6Allstate$2,386
7Farmers$3,519
N/A*USAA$832

*USAA is only available to current and former military members and their families.

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Cheapest full coverage policy in Las Vegas

The insurer with the cheapest average premium for full coverage is State Farm. Progressive is the second most affordable but costs an average $300 more than State Farm.

Current and former military members should look into contacting USAA for coverage, as it has the cheapest average insurance quotes out of eight companies.

Rank
Company
Annual premium
1State Farm$2,486
2Progressive$2,771
3American Family$3,739
4Geico$3,971
5CSAA$5,417
6Allstate$5,650
7Farmers$8,102
N/A*USAA$1,940

*USAA is only available to current and former military members and their families.

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A full coverage policy can be more than double the cost of a minimum cost policy. However, it not only covers the state minimum insurance coverage but also includes collision and comprehensive coverage. Both coverages protect your vehicle when an accident causes damage.

  • Collision insurance: covers you in cases where your vehicle crashes into another car or a fixed structure, like a tree. These accidents are very common.
  • Comprehensive insurance: covers vehicle damage caused by "acts of God," or factors out of your control.

Ask yourself

If the current value of your car is greater than the cost of adding full coverage plus a deductible, we recommend buying full coverage.

vehicle's current value > cost of adding full coverage + deductible

Cheapest insurance for young drivers looking for full coverage

Age is another aspect of your driver profile that will have a major impact on your insurance quote. A young and inexperienced driver is more likely to be in a car accident and is seen as a greater risk for insurers.

The cheapest insurers are State Farm and USAA, with average annual rates of $7,855 and $4,677, respectively. The next best option is Geico, which is nearly $1,000 more expensive than State Farm, at an average cost of $8,650.

Rank
Company
Annual premium
1State Farm$7,855
2Geico$8,650
3CSAA$12,770
4Progressive$14,162
5Farmers$19,995
6Allstate$20,246
7American Family$21,096
N/A*USAA$4,677

*USAA is only available to current and former military members and their families.

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Unfortunately, if you're a young driver, you will often be quoted extremely high rates no matter how much you shop around. However, there are a few options to consider before you decide on an insurer.

One of the best ways to save is by asking your parents if you can stay on their policy. Having a combined or multicar insurance policy costs more than having a single policy but this will be much cheaper than having two separate policies.

Another step is to ask insurers about discounts. Companies offer discounts for a number of things including completing a defensive driving course, having cameras in your car or having a good driving record. Some companies even have discounts for getting good grades in school.

Cheapest full coverage insurance after an accident

An accident on your record has the potential to increase your annual premiums by hundreds or even thousands of dollars. State Farm and USAA had the lowest premium increases following an accident. These two insurers were the only companies from our study that increased annual costs by less than $1,000 following an accident.

If you are looking for an alternative to State Farm, another option is to research each insurer's discount and forgiveness policies. Certain insurers have accident forgiveness or good driver discounts.

Rank
Company
Car insurance quote before accident
Car insurance quote after accident
Difference
1State Farm$2,486$2,956$470
2Progressive$2,771$4,676$1,905
3American Family$3,739$6,865$3,125
4Geico$3,971$6,387$2,415
5CSAA$5,417$8,976$3,558
6Allstate$5,650$7,893$2,243
7Farmers$8,102$11,970$3,868
N/A*USAA$1,940$2,637$697

*USAA is not ranked because only military members (current and former) and their families are eligible.

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An important thing to note is that insurance companies can define what is and isn't an accident in different ways, so depending on the type of accident, insurers may alter the way they change your rates.

Best auto insurance company, according to customer feedback

The quality of an insurer is based on not just the price but also the service. The process of filing a claim can be simple and quick or drawn out and unnecessarily complicated depending on which insurer you select. Any accident is stressful, and having an insurance company that will respond to all your questions and guide you through the claims process can be a massive load off your back.

The insurers in Las Vegas with the best customer service, measured by frequency of complaints, are State Farm and Travelers.

The Complaint Index is drawn from the National Association of Insurance Commissioners (NAIC). A higher complaint index means that the company received more negative feedback. The national median index is 1.0.

Rank
Company
Market share
Complaint Index
1 (tie)State Farm15.80%0.57
1 (tie)Travelers2.40%0.57
3Geico14.00%0.62
4Allstate8.30%0.69
4American Family Insurance2.90%0.69
6USAA5.50%0.83
7Progressive10.80%0.91
8Farmers Insurance7.20%0.97
9Liberty Mutual4.70%1.18
10CSAA Insurance4.50%1.36

The complaint index is from the National Association of Insurance Commissioners. We included all insurers from our survey and added any other insurers in the top 10 in Nevada for market share. The complaint index was taken from the largest individual company (measured by premiums written) under an insurance group.

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Average cost of car insurance in Las Vegas, by neighborhood

Auto rates will fluctuate depending on what area of the city you live in as each area has a different crime rate and density. Prices can even vary depending on what specific part of the neighborhood you live in. The cheapest area of Downtown Las Vegas costs $600 less than the most expensive area.

Zip Code
Neighborhood
Average annual car insurance rate
89101Downtown / Sunrise Manor$2,012
89102Henderson / Spring Valley / Spring Valley$2,039
89104Sunrise Manor / Winchester$2,007
89106North Las Vegas$2,009
89107Charleston Heights$2,029
89108Michael Way$1,883
89110Sunrise Manor$1,971
89117Spring Valley$2,015
89122Sunrise Manor / Whitney$1,870
89124N/A$1,494
89128Summerlin$1,886
89129N/A$1,793
Show All Rows
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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.

City

Agent/insurer
Address
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 Pkwy. 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
Show All Rows
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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
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Bodily injury liability, otherwise known as "third-party" insurance, reimburses other drivers for accidents where you are at fault. It does not cover medical costs of your own injuries.

Property damage liability covers the financial liability costs in instances where your accident causes damage to another person's property. It will not cover damages to your own car or property.

You can purchase additional coverage if you feel that the minimum policy is insufficient for your needs. Drivers with new or expensive vehicles are encouraged to invest in additional protection to protect the value of their car.

Methodology

ValuePenguin analyzed auto insurance data collected from eight insurance companies in Las Vegas. Unless stated otherwise, our sample Las Vegas car insurance rates assume the driver is a 30-year-old single male who owns a 2015 Honda Civic EX, has poor credit and opts for basic liability coverage, slightly above what is required by the state of Nevada.

In instances where the full coverage policy was examined, there were the following limits:

  • Bodily injury liability: $50,000 per person / $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist bodily injury: $50,000 per person / $100,000 per accident
  • Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.