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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Las Vegas?

Car insurance in Las Vegas costs an average of $1,428 for a six-month policy or $238 per month on average. In 2024, our data shows Capital Insurance Group is the cheapest car insurance company in Las Vegas with rates at $593 for a six-month policy.

Las Vegas drivers pay more than the average for car insurance in Nevada ($1,047 every six months) and more than the national average of $742. In fact, 42% of our customers in Las Vegas admit they're paying too much for their car insurance. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in Las Vegas based on common factors like credit score, coverage level and more.

Car Insurance in Las Vegas vs. Nevada Avg. 6 Mo. Premium
Las Vegas Average $1,428
Nevada Average $1,047

The cheapest car insurance companies in Nevada

1st place medal
1st place: Capital Insurance Group

The cheapest insurance company in Las Vegas is Capital Insurance Group, with rates at $593 per six-month policy.

2nd place medal
2nd place: GEICO

In second place is GEICO, which costs $119 per month. At $714, this average rate is a fraction of the Las Vegas average.

3rd place medal
3rd place: USAA

USAA nabs the last spot of the top three with policies in Las Vegas at $918 for six months. 

The Zebra's key takeaways about car insurance in Las Vegas:

  • The average cost of a car insurance policy in Las Vegas is $1,428 per six-month policy — $238 per month.
  • The cheapest company in Las Vegas is Capital Insurance Group ($593).
  • Las Vegas ranks as the seventh most expensive city for car insurance in Nevada.
  • 42% of Zebra customers in Las Vegas stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Las Vegas car insurance rates by company

Our 2024 data states that the cheapest car insurance company for full coverage in Las Vegas is Capital Insurance Group. The average rate is $99 per month or $593 for a six-month policy. The second cheapest is GEICO $119 per month or $714 for a six-month policy.

Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.

Cheapest car insurance companies in Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $593
GEICO $714
USAA $918
Progressive $1,028
Travelers $1,167
State Farm $1,178
Nationwide $1,383

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Las Vegas.

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Average car insurance in Las Vegas by rating factor

Insurance operates by assessing a series of rating factors for each applicant. Rating factors are details about you that determine what level of risk you pose to the insurance company and what a fair rate looks like. Common rating factors include age, location, credit score, and driving history.

As some of these factors change over time, so could the best insurance company for you. Getting a quote from time to time will tell you if you're still getting the best rates. 


Q: I didn't have an accident — Why is my insurance going up?

A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance in Las Vegas. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in Las Vegas.

Auto insurance premiums by age in Las Vegas

One of the top rating factors insurance companies use to rate policies is a driver's age. In the insurance world, age tends to correlate with years of experience driving. Less experience on the road means a higher potential for accidents and claims. That said, it's no surprise that teen drivers are charged the highest premiums: in Las Vegas, the difference in rates paid by teenage drivers and drivers in their 20s is $2,059, the largest such difference between any two age groups for a new car insurance policy.

While this number may seem shocking, it's important to note that insurance companies are in the risk management business. By charging higher rates for teen drivers, they are able to offset the increased cost of paying claims. In other words, it's not personal; it's just business.

Cheapest car insurance companies for teen drivers in Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $1,857
GEICO $1,984
USAA $2,668
Travelers $3,965
State Farm $4,253
Nationwide $4,403
Progressive $4,971
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $911
30s Capital Insurance Group $715
40s Capital Insurance Group $666
50s Capital Insurance Group $662
60s Capital Insurance Group $627
70s Capital Insurance Group $634

Zebra Tip: The cheapest companies for Las Vegas drivers between 20-40 are GEICO, Capital Insurance Group and USAA

24% of drivers in Vegas are between the ages of 20-29. On average, this group pays $1,845 every six months. By going with these companies, these groups can potentially save over 50%.

Auto insurance premiums for minimum coverage in Las Vegas

The amount of coverage you choose for your car insurance will have a big impact on your rates. The more protection you select, the more you will pay. According to our data, 42% of drivers in Las Vegas carry basic coverage. While in many cases this is all that is legally required, only selecting this level of coverage can leave you at risk of being underinsured.

A common choice for a broader protection package is referred to as "full coverage." This includes collision coverage or comprehensive coverage, often required by lending associations for those who have a leased or financed vehicle. Both of these options come with a deductible; you can opt for a higher deductible for a lower monthly rate. 

Popular add-ons like roadside assistance or uninsured motorist coverage can go the extra mile in protecting you and your vehicle. These coverages will increase your premiums, but the experts at The Zebra still recommend considering them.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

In an analysis of our data, 53% of drivers in Las Vegas have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.

Cheapest car insurance companies for minimum coverage in Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $254
GEICO $317
Progressive $401
USAA $418
Travelers $499
State Farm $503
Nationwide $633

Most of our customers in Las Vegas opt for basic coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Nevada's 25/50/20 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $20,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in Nevada.

Las Vegas car insurance rates by credit score

Most states' car insurance companies still consider a driver's credit score when rating policies, including Nevada. Credit score has historically been a rating factor because of the correlation between credit score and the likelihood of claims. Data analysis suggests that drivers with a lower credit score are more likely to file claims, have coverage lapses and engage in risky driving behavior. Because of the association between poor credit and higher risk, those with bad credit pay more in premiums. 

In fact, Las Vegas drivers with poor credit (300-579) pay 163% more than drivers with excellent credit (800-850). Our data tells us 35% of drivers in Las Vegas have a credit score of good (680-719). In 2024, Capital Insurance Group is the cheapest option for Las Vegas drivers with bad credit.

car insurance in las vegas by credit score
Cheapest car insurance companies for bad credit in Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $836
GEICO $982
Progressive $1,496
Nationwide $1,954
Travelers $1,956
USAA $1,973
State Farm $2,309

Zebra Tip: If you recently improved your credit score, shop around for car insurance!

In Las Vegas, our data shows drivers with "Fair" credit pay $912 less for car insurance in a year than drivers with "Poor" credit. If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the most common type of insurance claims. Our 2024 data indicates that an at-fault accident raised the average Las Vegas insurance rate from $248 to $343 per month. Capital Insurance Group is the cheapest company in Las Vegas after an at-fault accident.

The most effective way to keep your auto insurance rates low is by keeping a clean driving record and avoiding accidents as best as you can. Any violation, including speeding tickets, reckless driving charges and DUIs, will all result in higher premiums. Depending on the severity of the citation, your insurance is affected for three to five years. 

Cheapest car insurance companies after an at-fault accident in Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $838
GEICO $1,181
USAA $1,246
State Farm $1,506
Travelers $1,550
Progressive $1,728
Nationwide $2,111

Las Vegas car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Las Vegas.

Car insurance rate increases after violations and citations in Las Vegas, NV
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,428 0% $0
None $1,428 0% $0
Two Med/PIP claims $1,450 1% $21
One comp claim $1,454 2% $25
Not-at-fault accident $1,485 4% $56
Two comp claims $1,511 6% $83
Failure to wear a seat belt $1,619 13% $191
Failure to show documents $1,634 14% $206
Child safety restraint $1,640 15% $212
Driving without lights $1,656 16% $227
Driving with expired registration $1,665 17% $237
Cell phone violation $1,727 21% $299
Speeding 6 - 10 MPH over limit $1,732 21% $304
Texting while driving $1,733 21% $304
Speeding in school zone $1,735 21% $307
Speeding 11 - 15 MPH over limit $1,736 22% $307
Failure to yield $1,738 22% $310
Speeding 16 - 20 MPH over limit $1,739 22% $310
Driving too slowly $1,741 22% $312
Failure to stop at a red light $1,741 22% $313
Illegal turn $1,742 22% $313
Following too closely $1,752 23% $323
Wrong way/wrong lane $1,752 23% $323
Improper passing $1,772 24% $343
In 65 MPH zone $1,806 26% $377
Speeding 21 - 25 MPH over limit $1,849 29% $421
Passing school bus $1,857 30% $429
At-fault accident - less than $1000 $1,903 33% $475
Operating a vehicle without permission $1,922 35% $494
At-fault accident - $1000-$2000 $2,057 44% $629
At-fault accident - greater than $2000 $2,057 44% $629
Open container $2,078 46% $650
Refusal to submit to a chemical test $2,350 65% $922
Driving with a suspended license $2,416 69% $988
Racing $2,424 70% $995
DUI $2,438 71% $1,010
Reckless driving $2,454 72% $1,025
Leaving scene of an accident/hit and run $2,551 79% $1,122

Why is car insurance in Las Vegas so expensive?

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[1], driving can prove challenging and the risk of accidents is high. 

Location is a major factor in rating insurance policies, so even if you have a clean driving record, your premiums in Las Vegas can still be expensive. Below you'll find a rundown of why car insurance is so expensive in Las Vegas — regardless of your driving profile.

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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. 

Pedestrian safety

The booming nightlife scene ensures plenty of pedestrians and motorists are present at all hours of the day and night. In fact, Nevada is the 8th most dangerous state in America for pedestrians[2], and the numbers are not improving. 

alcohol icon
DUI arrests

According to a study conducted by BuyAutoInsurance.com[3], Las Vegas is the number one worst city for drunk driving in the United States. This rank is further supported by the number of arrests made for DUIs per year in Vegas: over 5,800 in 2022[4]. The insurance penalty for a DUI in Las Vegas is severe; rates increase more than 50% after a drunk driving charge. 

Uninsured drivers

While Nevada is low on the list in the volume of uninsured drivers, Las Vegas has a significant number. 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.

Zebra Tip: Consider uninsured property damage coverage

In cities or ZIP codes with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (also called UMPD). This coverage will provide assistance to you if you or your vehicle are damaged by an underinsured or uninsured driver. This coverage typically has a lower deductible and is cheaper than collision. Plus, the rate increase after a UMPD claim can be hundreds of dollars cheaper than a collision claim.

Bundling insurance policies in Las Vegas

Car insurance prices are increasing nationally, and this is a daunting thought for drivers in Las Vegas where average rates are already high. However, there are still plenty of ways to save. One of the most common discounts offered by insurance companies is the multi-policy discount or "bundling" discount. Combining your auto and home or renters insurance with one insurance provider can qualify you for a discount. Some companies offer savings up to 10% off combined premiums. Learn more about bundling home and car insurance.

If you currently have separate policies for your home and car, it's definitely worth shopping around to see if you could save money by bundling them together. In many cases, you'll find that it's well worth the effort.

bundling home and auto insurance in Las Vegas
Cheapest car insurance companies for bundling home and auto insurance in Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $518
GEICO $679
USAA $856
Progressive $941
State Farm $985
Travelers $1,050
Nationwide $1,383

While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

In Las Vegas, drivers can expect to pay an average of $1,428 for a six-month car insurance policy, or $238 per month. According to our data, the cheapest car insurance company in Las Vegas is Capital Insurance Group.

Yes, car insurance in Las Vegas is typically high when compared to the state of Nevada as a whole or other cities throughout the United States. This is largely due to its metropolitan status, high concentration of drivers and pedestrians, and frequency of reckless driving and DUIs.

Like most states, Nevada law requires drivers to carry some level of car insurance. Without it, you could be subject to a hefty fine if caught driving unprotected. Additionally, if you get in to an accident without car insurance, you will be left paying for damages yourself.

Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Las Vegas, NV

Recently answered questions about car insurance in Las Vegas from real Zebra customers

Car insurance near me in Las Vegas

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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.