North Las Vegas, NV Car Insurance

How much does auto insurance cost in North Las Vegas?

The average car insurance rate in North Las Vegas is $2,539 per year. That's pricier than the average in Nevada ($1,974) and pricier than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in North Las Vegas.

NORTH LAS VEGAS AUTO INSURANCE RATES

North Las Vegas Average (annual)	Nevada Average	National Average
$2,539	$1,974	$1,548

Jump to North Las Vegas auto insurance premiums by:

• Company
• Age group
• Gender and marital status
• Driving record
• Credit score

North Las Vegas car insurance costs by provider

The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers North Las Vegas's cheapest rates. See below the best options for affordable auto insurance in North Las Vegas. Don't forget to get car insurance quotes based on your driving profile.

NORTH LAS VEGAS CAR INSURANCE RATES BY COMPANY

Insurance Company	Average Rate (annual)
GEICO	$1,336
State Farm	$1,742
Progressive	$2,365
Farmers	$2,874
Allstate	$3,109

Consult our expert guide to finding the best cheap car insurance.

North Las Vegas auto insurance premiums by age

North Las Vegas drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,403per year, on average. Rates for North Las Vegas drivers in their 60s are also relatively affordable, at just $2,430 per year.

Teenage drivers pay North Las Vegas's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in North Las Vegas is to celebrate your 20th birthday. In North Las Vegas, teenage drivers pay $10,488 — a full $8,058 more than the second-most expensive rate paid by an age group.

CAR INSURANCE RATES BY AGE TIER IN NORTH LAS VEGAS

Age tier	Average Annual Rate
Teenagers	$10,488
20s	$3,417
30s	$2,527
40s	$2,528
50s	$2,403
60s	$2,430
70s	$3,156

Learn more about how age influences auto insurance rates.

North Las Vegas car insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In North Las Vegas, married drivers pay $173 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in North Las Vegas, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In North Las Vegas, female drivers pay more for auto insurance than do male drivers: $172 per year, to be precise.

NORTH LAS VEGAS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS

Gender/Marital Status	Average Annual Rate
Female	$2,711
Male	$2,539
Single	$2,366
Married	$2,366
Divorced	$2,539
Widowed	$2,493

Learn more about how gender and marital status have on insurance rates.

North Las Vegas auto insurance costs by violation history

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

North Las Vegas drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,334 per year versus the city average. A ticket for speeding results in a $672 rate hike while a DWI or DUI violation costs $1,195per year in extra insurance expenditures.

AVERAGE NORTH LAS VEGAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

Incident	Average Yearly Rate
DUI/DWI	$3,734
Reckless Driving	$3,873
At-fault Accident (damages less than $1,000)	$3,380
At-fault Accident (damages > $2,000)	$4,016
Speeding Ticket (16-20 mph over speed limit)	$3,211

Learn more about the impact of driving violations on car insurance rates.

North Las Vegas auto insurance premiums by credit tier

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 North 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 into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In North Las Vegas, improving your credit to "Fair" corresponds with a $1,461 decrease in annual car insurance rates.

NORTH LAS VEGAS CAR INSURANCE RATES BY CREDIT TIER

Credit Tier	Average Rate (annual)
Very Poor	$4,499
Fair	$3,038
Good	$2,539
Very Good	$2,298
Exceptional	$2,024

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in North Las Vegas?

Where you live in North 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 North Las Vegas is no exception to the rule. From ZIP code 89040 to 89087, premiums rise by 24 percent—that's $329.

Expensive North Las Vegas ZIP codes: 89081, 89085, 89087

Cheap North Las Vegas ZIP codes: 89040, 89086, 89084