How much does auto insurance cost in Las Vegas?
Car insurance coverage costs an average of $2,640 each year in Las Vegas. That's more expensive than the statewide average in Nevada ($1,974) and pricier than the national average of $1,548. Our guide to car insurance in Las Vegas — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
LAS VEGAS CAR INSURANCE RATES
| Las Vegas Average (annual) | Nevada Average | National Average |
| $2,640 | $1,974 | $1,548 |
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Las Vegas auto insurance rates by company
One of the most important determinants of your car insurance rates is the insurance company you work with. In Las Vegas, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Las Vegas — but don't forget to get personalized car insurance quotes to match your driving profile.
LAS VEGAS CAR INSURANCE RATES BY COMPANY
| Insurer | Average Annual Rate |
| GEICO | $1,379 |
| State Farm | $1,919 |
| Progressive | $2,480 |
| Farmers | $2,918 |
| Allstate | $3,121 |
Consult our expert guide to finding the best cheap car insurance.
Car insurance rates by age bracket in Las Vegas
The age group that enjoys the lowest auto insurance rates in Las Vegas are drivers in their 50s, who pay an average of $2,485per year. Rates for Las Vegas drivers in their 60s are also relatively affordable, at just $2,518 per year.
The Las Vegas drivers who pay the highest insurance rates are teenagers. When Las Vegas drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Las Vegas is $7,361, the largest such difference between any two age groups.
LAS VEGAS AUTO INSURANCE PREMIUMS BY DRIVER AGE
| Age bracket | Average Yearly Rate |
| Teenagers | $10,925 |
| 20s | $3,564 |
| 30s | $2,625 |
| 40s | $2,620 |
| 50s | $2,485 |
| 60s | $2,518 |
| 70s | $3,278 |
Learn more about the impact of age on car insurance premiums.
Las Vegas car insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Las Vegas pay $186 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Las Vegas, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can impact auto insurance costs. In Las Vegas, female drivers pay $174 per year more than do male drivers.
LAS VEGAS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
| Marital Status/Gender | Average Annual Rate |
| Female | $2,814 |
| Male | $2,640 |
| Single | $2,454 |
| Married | $2,454 |
| Divorced | $2,640 |
| Widowed | $2,590 |
Read more about the relationships between gender, marital status and insurance rates.
Las Vegas car insurance costs by incident history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Las Vegas, a reckless driving citation results in an average insurance rate increase of $1,387 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,241 increase and a speeding ticket triggers a $705 rate hike.
LAS VEGAS CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Incident | Average Annual Rate |
| DWI/DUI | $3,881 |
| Reckless Driving | $4,027 |
| At-fault Accident (damages less than $1,000) | $3,519 |
| At-fault Accident (damages greater than $2,000) | $4,185 |
| Speeding Ticket (16-20 mph over speed limit) | $3,345 |
Learn more about how citations can raise your auto insurance rates.
Las Vegas car insurance premiums by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Las Vegas, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 55% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Las Vegas, improving your credit to "Fair" could help you earn $1,515 in savings on insurance premiums each year.
LAS VEGAS CAR INSURANCE RATES BY CREDIT SCORE
| Credit Score | Average Yearly Rate |
| Very Poor | $4,678 |
| Fair | $3,162 |
| Good | $2,640 |
| Very Good | $2,389 |
| Exceptional | $2,103 |
Learn more about the relationship between poor credit and car insurance.
Las Vegas car insurance rates by ZIP Code
Location is an important rating factor when insurers determine what you pay for auto insurance. Insurance companies weigh the risks of living in certain ZIP codes and price policies accordingly. See below to see average annual premiums in every Las Vegas ZIP code.
AVERAGE LAS VEGAS INSURANCE RATES BY ZIP CODE
| ZIP Code | Average Rate |
| 89101 | $2,920 |
| 89102 | $2,901 |
| 89104 | $2,955 |
| 89106 | $2,971 |
| 89107 | $2,845 |
| 89108 | $2,699 |
| 89110 | $2,806 |
| 89117 | $2,736 |
| 89122 | $2,587 |
| 89124 | $2,326 |
| 89128 | $2,666 |
| 89129 | $2,515 |
| 89130 | $2,533 |
| 89131 | $2,466 |
| 89134 | $2,508 |
| 89138 | $2,490 |
| 89143 | $2,452 |
| 89144 | $2,479 |
| 89145 | $2,651 |
| 89146 | $2,895 |
| 89149 | $2,384 |
| 89156 | $2,837 |
| 89158 | $2,705 |
| 89161 | $2,611 |
| 89165 | $2,625 |
| 89166 | $2,306 |
| 89179 | $2,515 |
| 89199 | $2,525 |
What drives up car insurance rates in Las Vegas?
Where you live in Las Vegas affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Las Vegas is no exception to the rule. From ZIP code 89018 to 89101, premiums rise by 48 percent—that’s $647.
Expensive Las Vegas ZIP codes: 89104, 89106, 89030, 89102, 89101
Cheap Las Vegas ZIP codes: 89018, 89166, 89165, 89134, 89144
Las Vegas Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Las Vegas, you can expect 27 rainy days with an annual rainfall of 4.2 inches. Las Vegas is also known to experience thunderstorms and flash floods.
27
Rainy Days a Year
4"
Avg. Annual Rainfall
0"
Avg. Annual Snowfall
Be Prepared For
Driving in Sin City
Major Highways
U.S. 95 I-15 I-215Popular Day Trips
Zion National Park Lake Mead Valley of Fire State ParkCar Insurance Companies in Las Vegas
Find Local Las Vegas Agents
Transpo Insurance, LLC
6260 McLeod Dr Ste 100, Las Vegas, NV 89120
Harley E Harmon Insurance Agency Inc
4455 S Pecos Rd, Ste A, Las Vegas, NV 89121
Assurance Ltd
5740 S Arville, Ste 204, Las Vegas, NV 89118
Universal Insurance Agency
348 N. Nellis Blvd, Suite C, Las Vegas, NV 89110
Guardian Brokers
9139 W Russell Rd, Las Vegas, NV 89148
Valley Insurance Group, LLC
9455 W Russell Rd #130, Las Vegas, NV 89148
Martial, Inc. dba AmeriSent Insurance
6070 S Eastern Ave Ste 400, Las Vegas, NV 89119
J&J Bernardo Inc DBA Keystone Insurance
3790 S. Paradise Rd., #110, Las Vegas, NV 89169
GLB Insurance Group of Nevada
4455 S. Pecos Road, Las Vegas, NV 89121
Nevada West Business Insurance Services
4175 S. Riley St. suite 102, Las Vegas, NV 89147
Western Pacific Insurance LLC
3145 Warm Springs Rd #100, Las Vegas, NV 89120
Nevada Life Services
4850 W. Sunset Road Suite 125, Las Vegas, NV 89118
Makro Enterprises Inc. dba Managed Pay Insurance
6410 S Eastern Ave, Las Vegas, NV 89119
Public Auto Risks, Inc.
6260 McLeod Dr., Ste 100, Las Vegas, NV 89120
Your Insurance Agent
3161 E. Warm Springs Rd. #400, Las Vegas, NV 89120
Branch Benefits Consultants
2480 North Decatur #140, Las Vegas, NV 89108
Wadsworth Insurance, LLC
8565 S Eastern Ave Suite 122, Las Vegas, NV 89123
Brown & Brown Insurance of Nevada, Inc.
975 Kelly Johnson Dr #100, Las Vegas, NV 89119
Milton E. Doyle
8860 S Maryland Pkwy Suite 123, Las Vegas, NV 89123
Cragin & Pike Inc
2603 W Charleston Blvd, Las Vegas, NV 89102
Direct Point Insurance, Inc.
3017 W Charleston Blvd #20, Las Vegas, NV 89102
Wood & Associates, Inc.
11250 Revelry Dr, Las Vegas, NV 89138
Jack Wall Insurance
3801 Vegas Dr, Las Vegas, NV 89108
Swarts Manning & Associates
10091 Park Run Dr #200, Las Vegas, NV 89145
Alpine Insurance Associates
5858 South Pecos Road #I300, Las Vegas, NV 89120
AMS Insurance
9960 W Cheyenne Ave Ste 240, Las Vegas, NV 89129
Allen Empire Agency
4894 Lone Mountain Ave., Suite 178, Las Vegas, NV 89130
Byrd Insurance, Inc.
4935 Geist Ave, Las Vegas, NV 89115
Harris Insurance Services, Inc.
3480 W Hacienda Ave, Las Vegas, NV 89118
Osorio and Family, LLC dba Citywide Insurance
3421 E Tropicana Ave Suite P, Las Vegas, NV 89121
$1,767
The average Las Vegan's annual cost of coverage
40%
Our customer's average savings after comparing insurance
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