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 AverageNational 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
InsurerAverage 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 bracketAverage 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/GenderAverage 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
IncidentAverage 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 ScoreAverage 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 CodeAverage 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

2
Major Highways
U.S. 95 I-15 I-215
2
Public Transit
RTC Bus LV Monorail
2
Popular Day Trips
Zion National Park Lake Mead Valley of Fire State Park

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

Not sure about Las Vegas

Check out these other Nevada cities...

North Las Vegas

Reno

Henderson

2

$1,767

The average Las Vegan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

283

That's equal to 283 pieces of pizza or $707 in savings

See How Much You Can Save in Las Vegas

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Recent Questions:

Las Vegas Car Insurance

My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

Do I have to add my adult son to my insurance if he'll be driving my car while visiting?

Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it.

Can my sister insure a car I own?

Yes, she can insure your car. She will need to make sure you are listed as a driver as well as an additional interest.

Laws regarding storing a car in Nevada?

There's a couple of things to think about here. Liability laws: In Nevada, just like most states, if the vehicle is registered, you need to have insurance on the vehicle.