Who Has the Cheapest Car Insurance Rates in Las Vegas, Nevada?
Who Has the Cheapest Car Insurance Rates in Las Vegas, Nevada?
State Farm has the best cheap car insurance in Nevada, at $66 per month for minimum liability coverage and $132 per month for full coverage.
Find Cheap Auto Insurance Quotes in Las Vegas
Best cheap car insurance in Las Vegas
To determine the best cheap Las Vegas auto insurance, ValuePenguin collected quotes from top companies across each ZIP code in the city. Quotes for minimum coverage meet the Nevada state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, along with $20,000 in property damage protection. Full-coverage quotes include higher liability limits than the state minimums, in addition to comprehensive and collision protection.
We also ranked the best car insurance companies in Las Vegas based on customer service reviews, affordability for different drivers, convenience and coverage availability.
Cheapest auto insurance in Las Vegas: State Farm
State Farm has the cheapest liability-only insurance in Las Vegas, at $66 per month, which is 50% less than the city average.
The average cost of car insurance in Las Vegas is $132 per month for minimum liability.
Compare Car Insurance Rates in Las Vegas
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 $35 more per month than the Nevada state average, which is $97 per month.
Cheap monthly car insurance rates in Las Vegas
Company | Monthly rate | |
|---|---|---|
| State Farm | $66 |
| Geico | $99 |
| Travelers | $104 |
| Progressive | $106 |
| Allstate | $141 |
*USAA is only available to current and former military members and their families.
Cheapest full-coverage car insurance in Las Vegas: State Farm
State Farm also has the cheapest full-coverage car insurance rates for Las Vegas drivers. At $132 per month, coverage from State Farm costs half as much as the average rate in Las Vegas, and is $82 per month less than the second-cheapest company, Travelers.
Company | Monthly rate |
|---|---|
| State Farm | $132 |
| Travelers | $214 |
| Progressive | $219 |
| Geico | $222 |
| Allstate | $277 |
*USAA is only available to current and former military members and their families.
Full-coverage insurance includes comprehensive and collision coverage, along with higher liability limits than required by Nevada law. These coverages help protect your own car from damage, along with the other driver's.
- 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.
Cheapest car insurance for drivers with prior incidents
State Farm has the most affordable rates for drivers with a speeding ticket, accident or poor credit, while Travelers has the cheapest rates after a DUI.
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 after a speeding ticket: State Farm
State Farm has the best rates for full coverage after a speeding ticket in Las Vegas. At $145 per month, State Farm's rate is 59% cheaper than the city average of $354 per month.
Company | Monthly rate |
|---|---|
| State Farm | $145 |
| Travelers | $271 |
| Progressive | $300 |
| Geico | $304 |
| Allstate | $310 |
If you're caught speeding in Las Vegas, your rates may increase by 28%, on average. However, not all insurance companies increase rates by the same amount after a ticket. The cheapest company, State Farm, only raises rates by 10% after a single speeding ticket. Rates from AAA, the most expensive company, increase by 32%.
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 $157 per month, coverage from State Farm is 64% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $157 |
| Travelers | $302 |
| Progressive | $367 |
| Geico | $370 |
| Allstate | $390 |
After a Las Vegas driver causes an accident, rates increase by an average of 56%. That's $154 per month more than a driver with a clean record pays for the same coverage.
Cheapest car insurance after a DUI: Progressive
Progressive offers the most affordable coverage for drivers who have a DUI. A full-coverage policy from Progressive costs $319 per month — an increase of 46% compared to a driver with a clean record.
Company | Monthly rate |
|---|---|
| Progressive | $319 |
| State Farm | $320 |
| Travelers | $325 |
| Allstate | $382 |
| Geico | $462 |
Driving under the influence (DUI) risks not only your life, but also the lives of those around you on the road. That's why insurance companies tend to raise rates so sharply after you get a DUI citation.
In Las Vegas, rates go up by 68% after a DUI — more than they increase after an at-fault accident (56%), and far more than they rise after a speeding ticket (28%).
Cheapest car insurance for drivers with poor credit: State Farm
State Farm has the best rates for Las Vegas drivers with poor credit. A full-coverage policy for a driver with a low credit score costs $266 per month, which is 41% cheaper than the city average.
Company | Monthly rate |
|---|---|
| State Farm | $266 |
| Progressive | $330 |
| Geico | $335 |
| Travelers | $360 |
| Allstate | $483 |
In Nevada, insurance companies can use non-driving factors like your credit score to determine your car insurance rate. Las Vegas drivers with poor credit pay $173 more per month for full-coverage insurance than those with good credit.
Cheapest car insurance for young drivers in Nevada: State Farm
State Farm has the cheapest rates for teenage drivers in Las Vegas.
A minimum-coverage policy from State Farm costs around $228 per month for an 18-year old driver, which is 52% cheaper than average. Full coverage from State Farm is also very affordable, at $403 per month, which is 56% cheaper than average.
USAA also offers affordable rates for young drivers, but it's only available to military members, veterans and their families.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $228 | $403 |
| Geico | $275 | $532 |
| Travelers | $364 | $655 |
| American Family | $486 | $811 |
| Allstate | $625 | $1,152 |
Young drivers usually pay more for insurance because they are more likely to make mistakes on the road and cause an accident. In Las Vegas, young drivers can expect to pay $473 per month for minimum-coverage insurance, on average. That's $341 more per month than a 30-year-old driver pays for the same coverage.
Teen drivers in Las Vegas can reduce their auto insurance rates by staying on a family policy or taking an additional driver's education class.
Cheapest car insurance for young drivers after a ticket or accident: State Farm
State Farm also offers the most affordable car insurance for young drivers with a speeding ticket or accident on their record. An 18-year-old driver pays around $254 per month for minimum coverage from State Farm after a speeding ticket, which is 57% cheaper than average.
Company | Speeding ticket | Accident |
|---|---|---|
| State Farm | $254 | $279 |
| Geico | $365 | $453 |
| Travelers | $470 | $539 |
| Progressive | $647 | $688 |
| Allstate | $721 | $708 |
A minimum-coverage policy from State Farm costs $279 per month for a young driver with an at-fault accident on their record. That's 58% cheaper than the citywide average.
Cheapest car insurance for married drivers: State Farm
State Farm has the cheapest full-coverage rates for married drivers, despite the fact that married drivers pay the same rate as single drivers with State Farm.
Married drivers in Las Vegas pay 5% less for car insurance, on average.
Company | Monthly rate |
|---|---|
| State Farm | $132 |
| Progressive | $183 |
| Travelers | $214 |
| Geico | $260 |
| Allstate | $269 |
American Family and Progressive give the largest discount to married drivers, at 16%. However, their rates are still $176 and $51 more per month than State Farm, respectively.
Best car insurance companies in Las Vegas
USAA is the best-rated car insurance company in Las Vegas based on its top J.D. Power customer satisfaction score and excellent rating from our editors.
However, not all drivers can buy car insurance from USAA — only military members, veterans and their family members are eligible.
Company |
Editor's rating
|
|---|---|
| USAA | |
| State Farm | |
| AAA | |
| Geico | |
| American Family |
State Farm is an excellent option for drivers who can't get USAA insurance. It offers the cheapest rates in the state for most drivers, along with great customer service scores.
It's important for Las Vegas drivers to consider customer service scores when shopping for car insurance.
A company with great customer service can help you get back on the road quickly after an accident. On the other hand, bad service can lead to longer repair times, and you may have to pay more out of pocket.
Average car insurance quotes in Las Vegas by neighborhood
Drivers in the Henderson and Summerlin suburbs pay the cheapest car insurance rates, while those who live in Winchester pay the most for coverage.
Full-coverage car insurance rates vary by $55 per month across the Las Vegas valley. Henderson drivers pay around $241 for full-coverage car insurance, while Winchester drivers pay $296 per month. Drivers in North Las Vegas and Nellis Air Force Base pay $277 per month.
ZIP code | Monthly rate | Percent from average |
|---|---|---|
| 89002 | $229 | -18% |
| 89011 | $244 | -12% |
| 89012 | $230 | -17% |
| 89014 | $251 | -10% |
| 89015 | $230 | -17% |
Insurance companies set car insurance rates not only by which city you live in, but also by your ZIP code within that city. Drivers in areas that experience higher traffic or more auto theft generally pay higher rates.
Frequently asked questions
Who has the cheapest car insurance in Las Vegas?
State Farm has the best cheap rates in Las Vegas for minimum coverage, at $66 per month. It also has the best price for full coverage, at $132 per month, along with great rates for people with a driving incident on their record and younger drivers.
How much is car insurance in Las Vegas?
The average price of car insurance in Las Vegas is $132 per month for minimum coverage and $278 per month for full coverage. However, what you'll pay depends on your insurance company, your driving history and which coverage options you choose.
What company has the best car insurance in Las Vegas?
State Farm and USAA are our picks for the best car insurance in Las Vegas. They each have high scores on J.D. Power's customer satisfaction survey, suggesting that customers are likely to be satisfied with their service. Both companies also offer affordable rates to most drivers.
How much is car insurance with bad credit in Las Vegas?
Las Vegas drivers with bad credit pay $451 per month for full coverage, on average. State Farm offers the best rates for drivers with a poor credit score, at $266 per month.
Methodology
To find the best cheap car insurance in Las Vegas, we 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.
Coverage | Limit |
|---|---|
| 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 |
| Medical payments | $10,000 |
| Comprehensive and collision | $500 deductible |
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.