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

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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," 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 for insuring our sample drivers' cars
This graph identifies and ranks the three companies in Las Vegas, Nev. with the best rates for insuring our sample drivers' cars

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
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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.

RankInsurance companyAverage annual
2State Farm$1,343
4American Family$1,829
*USAA is only available to current and former military members and their families.

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.

RankCompanyAnnual premium
1State Farm$2,486
3American Family$3,739
*USAA is only available to current and former military members and their families.

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.

RankCompanyAnnual premium
1State Farm$7,855
7American Family$21,096
*USAA is only available to current and former military members and their families.

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.

RankCompanyCar insurance quote before accidentCar insurance quote after accidentDifference
1State Farm$2,486$2,956$470
3American Family$3,739$6,865$3,125

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.

RankCompanyMarket shareComplaint Index
1 (tie)State Farm15.80%0.57
1 (tie)Travelers2.40%0.57
4American Family Insurance2.90%0.69
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.

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 CodeNeighborhoodAverage 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
89130North Las Vegas$1,747
89131North Las Vegas$1,788
89144Henderson / Summerlin / Enterprise$1,746
89146Spring Valley$2,046
89149Town Center / Centennial Hills$1,669
89156Sunrise Manor$1,945

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 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
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 Rd., 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. Ste. 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 coverageMinimum requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

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.


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.