Best & Cheapest Car Insurance Quotes in Las Vegas
Travelers has the cheapest car insurance rates for Las Vegas drivers, at $216 per month, on average, for full coverage and $108 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in Las Vegas
Best cheap car insurance companies in Las Vegas
How we chose the top companies
Cheapest car insurance in Las Vegas: Travelers
Travelers has the cheapest full coverage car insurance rates for Las Vegas drivers, with an average of $216 per month.
Travelers costs 42% less than the average rate drivers pay citywide and is $44 per month cheaper than the second-cheapest company, State Farm.
The very cheapest car insurance in Las Vegas comes from USAA, at just $189 per month. But you can only apply for USAA insurance if you are a present or former member of the U.S. military or an eligible family member.
Find Cheap Auto Insurance Quotes in Las Vegas
Cheapest full coverage car insurance in Las Vegas
Company | Monthly rate | |
|---|---|---|
| Travelers | $216 |
| State Farm | $260 |
| Progressive | $283 |
| Geico | $385 |
| Allstate | $411 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Las Vegas: Travelers
Travelers has the cheapest liability-only insurance in Las Vegas, at $108 per month, on average.
Travelers is about 39% cheaper than the citywide average of $178 per month for minimum liability coverage.
Las Vegas drivers pay more for car insurance than people who live in other parts of the state. A minimum coverage policy in Las Vegas costs $48 more per month than the Nevada state average, which is $130 per month.
Cheap liability car insurance rates in Vegas
Company | Monthly rate |
|---|---|
| Travelers | $108 |
| Progressive | $126 |
| State Farm | $135 |
| Geico | $151 |
| AAA | $228 |
*USAA is only available to current and former military members and their families.
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Cheapest car insurance for young drivers in Las Vegas: Travelers
Travelers has the cheapest rates for teenage drivers in Las Vegas.
A minimum coverage policy from Travelers costs an average of $355 per month for an 18-year-old driver, which is 43% cheaper than the city average. Full coverage from Travelers is also relatively affordable at $635 per month, which is 44% cheaper than average.
USAA also offers affordable rates for young drivers, but it's only available to military members, veterans and their families.
Cheapest car insurance for young drivers in Vegas
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $355 | $635 |
| Progressive | $423 | $921 |
| Geico | $459 | $938 |
| State Farm | $464 | $796 |
| American Family | $686 | $1,095 |
*USAA is only available to current and former military members and their families.
Young drivers usually pay more for insurance because they are less experienced drivers and so are more likely to cause an accident. In Las Vegas, an 18-year-old driver can expect to pay $619 per month for minimum coverage insurance, on average. That's $441 more per month than a 30-year-old driver pays for the same coverage.
The best way for teen drivers in Las Vegas to reduce their auto insurance rates is by sharing a policy with their parents or by taking a driver's education class. Many insurers offer discounts to young drivers after they take an extra safety course.
Cheapest car insurance after a speeding ticket: Travelers
Travelers has the best rates for full coverage after a speeding ticket in Las Vegas. At $270 per month, Travelers' rate is 41% cheaper than the city average of $461 per month.
Cheapest after a ticket in Las Vegas
Company | Monthly rate |
|---|---|
| Travelers | $270 |
| State Farm | $284 |
| Progressive | $377 |
| Allstate | $461 |
| Geico | $466 |
*USAA is only available to current and former military members and their families.
Drivers caught speeding in Las Vegas will typically see their rate increase by 24%. But that's an average. The amount by which insurance companies increase their rates can vary significantly after a ticket. For example, State Farm only raises its rates by 9% after a single speeding ticket, while AAA and Progressive increase theirs by about a third.
Cheapest car insurance after an accident: State Farm
State Farm has the cheapest full coverage rates in Las Vegas for drivers with an at-fault accident on their record. At $260 per month, coverage from State Farm is less than half of the city average.
After causing an accident, a Las Vegas driver will typically pay $573 per month for full coverage. That's an increase of 54% compared to a driver with a clean record.
Cheapest auto insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $260 |
| Travelers | $300 |
| Progressive | $427 |
| Allstate | $583 |
| Geico | $621 |
*USAA is only available to current and former military members and their families.
If you have an incident on your driving record — like an accident or a ticket — you'll likely pay higher rates than drivers with a clean record. That's because insurance companies see it as a sign that you're more likely to be in an accident in the future, which makes it more expensive to insure you.
Cheapest car insurance for young drivers after a ticket or accident: Travelers and State Farm
Travelers offers the most affordable car insurance for young drivers with a speeding ticket on their record. State Farm has the best rates for teens with a recent accident.
An 18-year-old driver pays around $455 per month for minimum coverage from Travelers after a speeding ticket, which is 38% cheaper than the city average of $732 per month.
After an accident, young drivers with coverage from State Farm will only pay an average of $464 per month. That's 47% less than the typical price citywide.
Cheapest for young drivers after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $455 | $521 |
| Progressive | $471 | $492 |
| Geico | $510 | $685 |
| State Farm | $516 | $464 |
| American Family | $838 | $1,176 |
*USAA is only available to current and former military members and their families.
Drivers who've gotten a ticket or filed an insurance claim pay more for car insurance because they are statistically more likely to file another claim in the future. But the good news is, if you don't get another ticket, your insurance company will usually reduce your rate back to normal after about three years.
Cheapest car insurance after a DUI: Travelers
Travelers offers the most affordable coverage for drivers who have a DUI. A full coverage policy from Travelers costs $322 per month — an increase of 49% compared to a driver with a clean record.
The average cost of car insurance in Las Vegas after a DUI is $628 per month.
Cheapest for Vegas drivers after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $322 |
| Progressive | $466 |
| Allstate | $569 |
| State Farm | $679 |
| Geico | $744 |
*USAA is only available to current and former military members and their families.
Driving under the influence (DUI) risks not only your life, but also the lives of those around you on the road. Insurance companies tend to raise rates sharply after you get a DUI citation.
In Las Vegas, rates go up by an average of 69% after a DUI. The range is wide though; for example, State Farm customers may see hikes of around 160%, while Allstate customers may pay only 38% more.
Cheapest car insurance for drivers with poor credit: Travelers
Travelers has the best rates for Las Vegas drivers with poor credit. Its full coverage policy for a driver with a low credit score costs $359 per month, which is about half of the city average.
Cheapest auto insurance for poor credit
Company | Monthly rate |
|---|---|
| Travelers | $359 |
| Progressive | $458 |
| Geico | $598 |
| American Family | $708 |
| Allstate | $753 |
*USAA is only available to current and former military members and their families.
Insurance companies have found that people with lower credit scores are more likely to make insurance claims, which is why rates are typically higher for individuals who fall into this group. In Nevada, most insurance companies factor in your credit score to determine your car insurance rate. In Las Vegas, drivers with poor credit pay 86% more for full coverage insurance than those with good credit.
Average car insurance quotes in Las Vegas by neighborhood
Drivers in West Las Vegas and the area just west of Downtown pay the most for car insurance.
People in West Las Vegas pay an average of $422 per month for full coverage.
Meanwhile, residents of Providence and Kyle Canyon in the northwest corner of the city pay the least, at around $308 per month.
Full coverage car insurance rates vary by $114 per month across the Las Vegas valley. For example, you might pay less for car insurance if you live in an area with well-maintained roads. Or you could pay more if you're in an area with a high rate of car theft.
ZIP | Monthly rate | % from average |
|---|---|---|
| 89101 | $412 | 12% |
| 89102 | $408 | 11% |
| 89103 | $399 | 8% |
| 89104 | $410 | 11% |
| 89106 | $422 | 14% |
What's the best type of car insurance coverage for Las Vegas drivers?
Full coverage is the best car insurance for most people because it protects your own vehicle along with the other driver's.
Full coverage insurance includes comprehensive and collision coverage, along with higher liability limits than required by Nevada law.
- Comprehensive coverage pays for damage to your car that doesn't result from a crash, like vandalism or hail damage.
- Collision coverage pays for damage if you crash into another driver or a stationary object, regardless of whose fault it is.
Liability-only car insurance is cheaper, but you are much less protected in case of an accident. If you're responsible for a crash, you'll have to pay for the repairs to your car yourself.
Frequently asked questions
Who has the cheapest car insurance in Las Vegas?
Travelers has the best cheap rates in Las Vegas for minimum coverage, at an average of $108 per month, as well as full coverage, at $216 per month. It also has great rates for younger drivers and for people with a driving incident on their record.
How much is car insurance in Las Vegas?
The average price of car insurance in Las Vegas is $178 per month for minimum coverage and $372 per month for full coverage. However, what you'll pay depends on your insurance company, your driving history and which coverage options you choose.
Why is car insurance so expensive in Las Vegas?
Car insurance in Las Vegas is expensive because of high theft rates and high repair costs. The price to repair a car is very high right now, which raises the price of car insurance. Las Vegas also gets a lot of visitors who are unfamiliar with local roads, which may increase the number of accidents, raising costs even more.
Las Vegas is one of the most expensive large cities in the country for car insurance.
How much is car insurance for people with bad credit in Las Vegas?
Las Vegas drivers with bad credit pay $694 per month for full coverage, on average. Travelers offers the best rate for drivers with a poor credit score, at $359 per month.
Methodology
To find the best cheap car insurance in Las Vegas, ValuePenguin gathered quotes from nine of the largest insurance companies in Nevada. Rates are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage quotes include comprehensive and collision coverage, along with liability limits that are higher than the minimum requirements in Nevada.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical payments: $10,000
- Comprehensive and collision deductible: $500
Quadrant Information Services provided the rate data in this analysis. Rates were publicly sourced from insurer filings and are intended solely for comparative purposes. Your own quotes will likely differ.
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.
