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|
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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.
NORTH LAS VEGAS CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)|
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|
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|
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|
|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|
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)|
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
Car Insurance Companies in North Las Vegas
Find Local North Las Vegas Agents
Swarts Manning & Associates
10091 Park Run Dr #200, Las Vegas, NV 89145
Brown & Brown Insurance of Nevada, Inc.
975 Kelly Johnson Dr #100, Las Vegas, NV 89119
Transpo Insurance, LLC
6260 McLeod Dr Ste 100, Las Vegas, NV 89120
Universal Insurance Agency
348 N. Nellis Blvd, Suite C, Las Vegas, NV 89110
9139 W Russell Rd, Las Vegas, NV 89148
Western Pacific Insurance LLC
3145 Warm Springs Rd #100, Las Vegas, NV 89120
Your Insurance Agent
3161 E. Warm Springs Rd. #400, Las Vegas, NV 89120
Branch-Hernandez & Associates
2480 N Decatur Blvd, Ste 140, Las Vegas, NV 89108
Makro Enterprises Inc. dba Managed Pay Insurance
6410 S Eastern Ave, Las Vegas, NV 89119
Insurance Designs Corporation
1880 E Warm Springs Road #140, Las Vegas, NV 89119
Milton E. Doyle
8860 S Maryland Pkwy Suite 123, Las Vegas, NV 89123
Direct Point Insurance, Inc.
3017 W Charleston Blvd #20, Las Vegas, NV 89102
Osorio and Family, LLC dba Citywide Insurance
3421 E Tropicana Ave Suite P, Las Vegas, NV 89121
Allen Empire Agency
4894 Lone Mountain Ave., Suite 178, Las Vegas, NV 89130
Public Auto Risks, Inc.
6260 McLeod Dr., Ste 100, Las Vegas, NV 89120
Valley Insurance Group, LLC
9455 W Russell Rd #130, Las Vegas, NV 89148
Nevada Life Services
4850 W. Sunset Road Suite 125, Las Vegas, NV 89118
Harley E Harmon Insurance Agency Inc
4455 S Pecos Rd, Ste A, Las Vegas, NV 89121
Wadsworth Insurance, LLC
8565 S Eastern Ave Suite 122, Las Vegas, NV 89123
9960 W Cheyenne Ave Ste 240, Las Vegas, NV 89129
Alpine Insurance Associates
5858 South Pecos Road #I300, Las Vegas, NV 89120
2110 E. Cheyenne Ave, North Las Vegas, NV 89030
Nevada Auto Insurance
1953 N Decatur Blvd, Las Vegas, NV 89108
Aniello Insurance Agency
3012 W Charleston Blvd #150, Las Vegas, NV 89102
Cragin & Pike Inc
2603 W Charleston Blvd, Las Vegas, NV 89102
Martial, Inc. dba AmeriSent Insurance
6070 S Eastern Ave Ste 400, Las Vegas, NV 89119
Wood & Associates, Inc.
11250 Revelry Dr, Las Vegas, NV 89138
Jack Wall Insurance
3801 Vegas Dr, Las Vegas, NV 89108
Nevada West Business Insurance Services
4175 S. Riley St. suite 102, Las Vegas, NV 89147
Byrd Insurance, Inc.
4935 Geist Ave, Las Vegas, NV 89115
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