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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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

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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.

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.

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.

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.

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.

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

North 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 North Las Vegas, you can expect 22 rainy days with an annual rainfall of 4 inches. North Las Vegas is also known to experience thunderstorms and flash floods.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in North Las Vegas

Major Highways
I-15 Las Vegas Boulevard CC 215
Public Transit

North Las Vegas Car Insurance Companies Near Me

Find Local North Las Vegas Agents

Byrd Insurance, Inc.

4935 Geist Ave, Las Vegas, NV 89115

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

Wood & Associates, Inc.

11250 Revelry Dr, Las Vegas, NV 89138

Makro Enterprises Inc. dba Managed Pay Insurance

6410 S Eastern Ave, Las Vegas, NV 89119

Your Insurance Agent

3161 E. Warm Springs Rd. #400, Las Vegas, NV 89120

Harris Insurance Services, Inc.

3480 W Hacienda Ave, Las Vegas, NV 89118

Wild Wild West Insurance

3221 W. Oakey Blvd, Las Vegas, NV 89102

Assurance Ltd

5740 S Arville, Ste 204, Las Vegas, NV 89118

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100, Las Vegas, NV 89119

Branch Benefits Consultants

2480 North Decatur #140, Las Vegas, NV 89108

Universal Insurance Agency

348 N. Nellis Blvd, Suite C, Las Vegas, NV 89110

Aniello Insurance Agency

3012 W Charleston Blvd #150, Las Vegas, NV 89102

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Suite P, Las Vegas, NV 89121

Nevada Auto Insurance

1953 N Decatur Blvd, Las Vegas, NV 89108

Swarts Manning & Associates

10091 Park Run Dr #200, Las Vegas, NV 89145

Guardian Brokers

9139 W Russell Rd, Las Vegas, NV 89148

Wadsworth Insurance, LLC

8565 S Eastern Ave Suite 122, Las Vegas, NV 89123

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20, Las Vegas, NV 89102

Saginaw Financial

2110 E. Cheyenne Ave, North Las Vegas, NV 89030

Transpo Insurance, LLC

6260 McLeod Dr Ste 100, Las Vegas, NV 89120

GLB Insurance Group of Nevada

4455 S. Pecos Road, Las Vegas, NV 89121

Cragin & Pike Inc

2603 W Charleston Blvd, Las Vegas, NV 89102

Insurance Designs Corporation

1880 E Warm Springs Road #140, Las Vegas, NV 89119

Valley Insurance Group, LLC

9455 W Russell Rd #130, Las Vegas, NV 89148

Allen Empire Agency

4894 Lone Mountain Ave., Suite 178, Las Vegas, NV 89130

J&J Bernardo Inc DBA Keystone Insurance

3790 S. Paradise Rd., #110, Las Vegas, NV 89169

Nevada West Business Insurance Services

4175 S. Riley St. suite 102, Las Vegas, NV 89147

Martial, Inc. dba AmeriSent Insurance

6070 S Eastern Ave Ste 400, Las Vegas, NV 89119

Jack Wall Insurance

3801 Vegas Dr, Las Vegas, NV 89108


The average North Las Vegas resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 276 cups of coffee or $689 in savings

See How Much You Can Save in North Las Vegas

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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.