Who Has The Best Car Insurance Rates in Las Vegas?

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.

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.

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.

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.

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.

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.

Methodology

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.