Las Vegas, NV Car Insurance
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 2023, 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|
The cheapest car insurance companies in Nevada
The cheapest insurance company in Las Vegas is Capital Insurance Group, with rates at $593 per six-month policy.
In second place is GEICO, which costs $119 per month. At $714, this average rate is a fraction of the Las Vegas average.
USAA nabs the last spot of the top three with policies in Las Vegas at $918 for six months.
Are you paying too much for auto insurance?
Las Vegas car insurance rates by company
Our 2023 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
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
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.
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
|Age Bracket||Cheapest Companies||Avg. 6 Mo. Premium|
|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|
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
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 2023, Capital Insurance Group is the cheapest option for Las Vegas drivers with bad credit.
Cheapest car insurance companies for bad credit in Las Vegas, NV
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the most common type of insurance claims. Our 2023 data indicates that an at-fault accident raised the average Las Vegas insurance rate from $248 to $343 per month. Capital Insurance Group is the cheapest company in Las Vegas after an at-fault accident.
The most effective way to keep your auto insurance rates low is by keeping a clean driving record and avoiding accidents as best as you can. Any violation, including speeding tickets, reckless driving charges and DUIs, will all result in higher premiums. Depending on the severity of the citation, your insurance is affected for three to five years.
Cheapest car insurance companies after an at-fault accident in Las Vegas, NV
Las Vegas car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Las Vegas.
Car insurance rate increases after violations and citations in Las Vegas, NV
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,428||0%||$0|
|Two Med/PIP claims||$1,450||1%||$21|
|One comp claim||$1,454||2%||$25|
|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|
|Following too closely||$1,752||23%||$323|
|Wrong way/wrong lane||$1,752||23%||$323|
|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|
|Refusal to submit to a chemical test||$2,350||65%||$922|
|Driving with a suspended license||$2,416||69%||$988|
|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, 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.
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.
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, and the numbers are not improving.
According to a study conducted by BuyAutoInsurance.com, 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. The insurance penalty for a DUI in Las Vegas is severe; rates increase more than 50% after a drunk driving charge.
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.
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.
Cheapest car insurance companies for bundling home and auto insurance in Las Vegas, NV
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!
Frequently asked questions
What is the average car insurance cost in Las Vegas?
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.
Does Las Vegas have high car insurance?
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.
What happens if you don't have car insurance in Las Vegas?
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.
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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 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.