Las Vegas, NV Car Insurance

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

Jump to Las Vegas car insurance premiums by:

• Provider
• Age group
• Marital status/gender
• Driving record
• Credit score

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

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

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

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

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

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

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