Car Insurance in Las Vegas, NV
- Travelers offers the cheapest car insurance in Las Vegas at $173/mo.
- Compare and save on auto insurance in or near Las Vegas, NV with The Zebra.
Enter your ZIP code to start your search:
Car Insurance in Las Vegas, NV
- Travelers offers the cheapest car insurance in Las Vegas at $173/mo.
- Compare and save on auto insurance in or near Las Vegas, NV with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Las Vegas at the right price.
How much does car insurance cost in Las Vegas?
Car insurance in Las Vegas averages $1,795 ($299 per month) — more expensive than average premium in Nevada ($1,384) and the national average ($1,084).
 42% of our customers in Las Vegas admit they're paying too much for their car insurance.
Travelers is the cheapest option for most drivers looking to save, with full coverage rates around $173 per month.Â
Car insurance quotes in Nevada
Nevada drivers in and near Las Vegas saved money on car insurance recently using The Zebra:
Drivers in Hawthorne, NV are getting smart deals on Chrysler 300M coverage from Liberty Mutual.
This quote from Bristol West helped a Ford Ranger driver in Reno, NV cut their insurance costs.
Drivers in Elko, NV are getting smart deals on Isuzu Rodeo coverage from The General.
This quote from Root Insurance helped a Suzuki Esteem driver in Reno, NV cut their insurance costs.
Drivers in Reno, NV are getting smart deals on Mitsubishi Outlander coverage from GEICO.
Cheap liability and full coverage auto insurance in Las Vegas
In 2026, Travelers offers Las Vegas's lowest full coverage rates at $173 per month (or $1037 for six months). USAA is also a good option for military members and their immediate families.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 42% of Las Vegas drivers carry only the state’s minimum required coverage—enough to stay legal, but not always enough to protect your finances after an accident.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which The Zebra’s experts say makes them worth considering.
Source: The Zebra
"Cheap insurance does not mean lower quality or a reduced chance of a claim payout. All policies are bound by the same contract and promise to pay in the event of a covered claim. However, a cheaper policy may mean missing out on some potential coverages that are not required but could be beneficial in the event of an accident. Always consult with your insurance professional to determine what is right for you."
- Erick Sosa, Licensed Agent and Manager at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Las Vegas.
Are you paying too much for car insurance?
Car insurance rates after an accident in Las Vegas
In Las Vegas, an at-fault accident can raise your car insurance by $929 for a 6-month policy. USAA offers the cheapest average rates after an accident. Travelers is a great alternative for drivers who don't qualify for USAA.
Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,931 | $0 |
| One comp claim | $2,028 | $97 |
| Speeding 16 - 20 MPH over limit | $2,400 | $469 |
| At-Fault Accident | $2,860 | $929 |
| DUI | $3,218 | $1,287 |
| Leaving scene of an accident/hit and run | $3,345 | $1,414 |
Source: The Zebra
Why is car insurance so expensive in Las Vegas?
It's no surprise that a location nicknamed "sin city" has high car insurance rates. Las Vegas is an extremely popular tourist destination known for activities associated with alcohol intake. With a constant influx of people and notoriously poor public transportation, driving can prove challenging and the risk of accidents is high.Â
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Traffic Conditions: With a limited public transportation system and year-round tourist activity, you can find a high concentration of vehicles on the road at any given time. With this much traffic congestion, the potential for accidents is increased.Â
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Pedestrian safety: The booming nightlife scene ensures plenty of pedestrians and motorists are present at all hours of the day and night.
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Uninsured drivers:Â According to our data, about 29% of drivers in Las Vegas are not currently insured. If you find yourself hit by an uninsured motorist in Las Vegas, you could be left footing the bill yourself.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.