Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Author profile picture

Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in North Las Vegas?

North Las Vegas is a vibrant city located in the Mojave Desert of Nevada. If you plan on driving in North Las Vegas, it's important to have car insurance. The average cost for a six-month policy is $1,421 or around $237 per month. However, rates may vary depending on the insurance company you choose, so be sure to shop around for the best deal.

North Las Vegas drivers pay less than the average for car insurance in Nevada ($1,101 every six months) and less than the US average of $880. However, 40% of our customers in North Las Vegas used our service because they are paying too much for auto insurance. If you are wondering if your rates are too high, or simply want to educate yourself about car insurance in Nevada, keep reading to learn more about insurance requirements and typical rates in North Las Vegas.

Car Insurance in North Las Vegas vs. Nevada Avg. 6 Mo. Premium
North Las Vegas Average $1,421
Nevada Average $1,101

The cheapest car insurance companies in North Las Vegas

1st place medal
1st place: Capital Insurance Group

Capital Insurance Group is the cheapest at $100 per month or $603 for a six-month policy.

2nd place medal
2nd place: GEICO

In second place is GEICO, which costs $116 per month.

3rd place medal
3rd place: USAA

Rounding out the list is USAA as the third-cheapest insurance company. On average, a USAA policy in North Las Vegas costs $142 per six-month policy.

The Zebra's key takeaways about car insurance in North Las Vegas:

  • The average cost of a car insurance policy in North Las Vegas is $1,421 per six-month policy — $236 per month.
  • The cheapest company in North Las Vegas is Capital Insurance Group ($603).
  • North Las Vegas ranks as the 8th most expensive city for car insurance in Nevada.
  • 40% of Zebra customers in North Las Vegas stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

Location pin icon
No junk mail. No spam calls. Free quotes.

North Las Vegas car insurance rates by company

For drivers in North Las Vegas, Capital Insurance Group offers the best cheap auto insurance for full coverage in 2023 at a rate of $100 per month or $603 for a six-month policy, followed by GEICO at $697 for a six-month policy or around $116 per month. Both companies offer rates that are lower than the average in North Las Vegas.

Below, learn more about the highest-rated car insurance companies according too The Zebra's Customer Satisfaction Survey.


Cheapest car insurance companies in North Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $603
GEICO $697
USAA $850
Country $864
Progressive $990
State Farm $1,076
Nationwide $1,429

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Shop around for the best rates

If you're looking for affordable car insurance, comparing companies is the simplest way to find it. Let us do the work for you, so you can concentrate on selecting the best policy to suit your financial plan and personal needs. Enter your ZIP code to view quotes from Progressive, Allstate, State Farm, and Nationwide (as well as other top companies) and locate the most inexpensive car insurance in North Las Vegas.

Location pin icon
No junk mail. No spam calls. Free quotes.

Average car insurance in North Las Vegas by rating factor

Rating factors are a crucial part of determining your car insurance rate in North Las Vegas. Although most insurance companies consider similar factors such as age and credit score, the weight given to these details can vary significantly. For example, one insurer may prioritize your driving record and claims history, whereas another may put more weight on your credit score. To learn more about the rating factors that affect your car insurance rate in North Las Vegas, keep reading.

Your insurance needs and circumstances can change over time, so the best insurance company for you may change as well, even if you've been with the same insurer for years. That's why it's essential to shop around and compare quotes every six months to a year to ensure you have the coverage that fits your current situation in North Las Vegas. To learn more about finding the best insurance company for your needs, keep reading.

Q: I didn't have an accident — Why is my insurance going up?

A: In North Las Vegas, the end-of-year earnings (revenue of premiums versus the cost of paying insureds' claims) is also a significant rating factor for determining how much you will pay for car insurance. Even if you have not made any claims with your insurer, you may still end up paying more with a specific company due to the increased cost of doing business in North Las Vegas.

Auto insurance premiums by age in North Las Vegas

Age is a major consideration when it comes to how much you will pay for car insurance in North Las Vegas. Insurance companies are focused on risk, and analysis of data shows that teen drivers pose the most risk on the road and have a higher number of accidents. Therefore, young drivers typically face the most expensive rates for their premiums. Although this may come as a surprise, these higher rates are in place to help offset the cost of claims paid by the insurance company.

In North Las Vegas, the difference in rates paid by drivers in their teens and those in their twenties is 149% per year. Therefore, with a clean driving record and more experience driving, you may notice a significant reduction in premiums within a few years. To maintain lower rates in the meantime, consider including a teen driver on a parent or guardian's policy instead of getting their policy. Additionally, ask about discounts for academic achievement and safe driving practices.

Cheapest car insurance companies for teen drivers in North Las Vegas, NV
Company Avg. 6 Mo. Premium
Country $1,502
Capital Insurance Group $1,882
GEICO $1,914
USAA $2,441
State Farm $3,869
Nationwide $4,535
Progressive $4,777
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $885
30s Capital Insurance Group $726
40s Capital Insurance Group $676
50s Capital Insurance Group $673
60s Capital Insurance Group $636
70s Capital Insurance Group $643

Zebra Tip: The cheapest companies for North Las Vegas drivers between 20-40 are Capital Insurance Group and GEICO

In North Las Vegas, our research suggests that the majority of drivers are aged between 20 and 40. For a six-month policy, the average cost for this group is approximately $1,636. However, drivers in this age range can save almost 48% by selecting one of these providers.

Auto insurance premiums for minimum coverage in North Las Vegas

The premium you pay for car insurance is influenced by the coverage you choose, in addition to personal factors such as age or credit score. In North Las Vegas, only the state minimum level of car insurance is carried by 37% of drivers. While it is a way to save money on premiums, the potential risk may not be worth it in the long run. If you only have the minimum coverage, you could be underinsured in case of an accident.

Adding collision coverage or comprehensive coverage (also called "full coverage") will significantly raise your rates in North Las Vegas. However, it will provide you with more peace of mind. Collision and comprehensive coverage usually involve a deductible, which also influences your rates. If you want full coverage and affordable rates, consider raising your deductible. The deductible and premium have an inverse relationship, so the higher the deductible you carry, the lower your premium will be.

It is essential to feel safe and secure while driving in North Las Vegas, and additional features like roadside assistance or uninsured motorist coverage will be there to help if you're involved in an incident with an uninsured driver. While these add-ons will increase your rate, they provide additional protection for both you and your vehicle, much like comprehensive coverage.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

If you're leasing or financing your vehicle in North Las Vegas, there's most likely a required amount of insurance coverage that you need to carry. If you own your car and you're considering dropping comprehensive or collision coverage, we suggest getting the actual cash value of your car from a source like Kelley Blue Book. If your vehicle is worth $4,000 or less, you probably don't need to carry full coverage. This is a way to cut back on your rates but also makes you more vulnerable to paying for damages yourself.

Cheapest car insurance companies for minimum coverage in North Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $256
GEICO $304
Country $315
USAA $380
Progressive $384
State Farm $451
Nationwide $651
  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

Most of our customers in North Las Vegas opt for the minimum level of 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.

North Las Vegas car insurance rates by credit score

Credit score is a primary factor in determining car insurance rates in North Las Vegas, as it is in most states, including Nevada. There are several reasons for this, and as with most insurance matters, it all comes down to risk. Research has shown that drivers with lower credit scores tend to have more insurance coverage lapses, engage in riskier driving behaviors, and file more claims.

In North Las Vegas, drivers with poor credit scores (300-579) pay 61% more than drivers with excellent credit (800-850). This can make a significant difference over time! However, 37% percent of drivers in North Las Vegas have an "average (580-679)" credit score. Capital Insurance Group is the cheapest option for North Las Vegas drivers in this credit range as of 2024.

car insurance in North Las Vegas by credit score
Cheapest car insurance companies for bad credit in North Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $850
GEICO $958
Country $1,205
Progressive $1,441
USAA $1,829
Nationwide $2,022
State Farm $2,113

Zebra Tip: If you recently improved your credit score, shop around for car insurance!

In North Las Vegas, you don't need to drastically increase your credit score to improve it. Our research shows that car insurance for drivers with "Fair" credit costs 28% less annually than for those with "Poor" credit. Depending on where you stand on the credit spectrum, this may only be a few points' difference. If you've been working on enhancing your credit score, such as by paying off a loan, this is an excellent opportunity to assess if your hard work has paid off and if you can save money on car insurance.

Auto insurance rates with an at-fault accident

In North Las Vegas, at-fault and collision-related accidents are the most frequent types of insurance claims, and you can anticipate that either of them will increase your rates. In North Las Vegas, these increases range from $78 to $103 per month, depending on the violation. Capital Insurance Group has the cheapest rates after an at-fault accident and Country is another good choice.

No matter where you reside, driving safely is the most effective method of keeping rates affordable. Speeding tickets, reckless driving charges, and DUIs or DWIs can all lead to rate increases, and your premium may be impacted for three to five years following an accident. More serious violations can have an even longer-lasting impact. While accidents can occur, by practicing safe driving habits when you're behind the wheel, you're not only protecting yourself physically but also financially.

Cheapest car insurance companies after an at-fault accident in North Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $853
Country $1,079
GEICO $1,147
USAA $1,151
State Farm $1,375
Progressive $1,661
Nationwide $2,185

North Las Vegas car insurance rates by violation

Check out the table below to get an idea of how different citations can affect your insurance premiums in North Las Vegas. Keep in mind that each violation has its own impact on rates, so it's good to have a sense of what to expect.

Car insurance rate increases after violations and citations in North Las Vegas, NV
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,421 0% $0
None $1,421 0% $0
Two Med/PIP claims $1,442 1% $21
One comp claim $1,446 2% $25
Not-at-fault accident $1,479 4% $58
Two comp claims $1,503 6% $82
Failure to wear a seat belt $1,611 13% $190
Failure to show documents $1,626 14% $205
Child safety restraint $1,632 15% $211
Driving without lights $1,647 16% $226
Driving with expired registration $1,656 17% $235
Cell phone violation $1,715 21% $294
Speeding 6 - 10 MPH over limit $1,720 21% $299
Texting while driving $1,720 21% $300
Speeding in school zone $1,723 21% $302
Speeding 11 - 15 MPH over limit $1,724 21% $303
Speeding 16 - 20 MPH over limit $1,727 22% $306
Failure to yield $1,727 22% $306
Driving too slowly $1,729 22% $308
Failure to stop at a red light $1,729 22% $308
Illegal turn $1,730 22% $309
Wrong way/wrong lane $1,740 22% $319
Following too closely $1,740 22% $319
Improper passing $1,761 24% $340
In 65 MPH zone $1,796 26% $375
Speeding 21 - 25 MPH over limit $1,836 29% $415
Passing school bus $1,844 30% $423
At-fault accident - less than $1000 $1,891 33% $470
Operating a vehicle without permission $1,908 34% $487
At-fault accident - greater than $2000 $2,042 44% $621
At-fault accident - $1000-$2000 $2,042 44% $621
Open container $2,062 45% $642
Refusal to submit to a chemical test $2,328 64% $907
Driving with a suspended license $2,393 68% $972
Racing $2,400 69% $979
DUI $2,419 70% $998
Reckless driving $2,436 71% $1,015
Leaving scene of an accident/hit and run $2,530 78% $1,109

Why is car insurance in North Las Vegas so expensive?

North Las Vegas car insurance rates tend to be higher than average for a variety of reasons. Firstly, the city is situated just north of the bustling— and often dangerous— city of Las Vegas. While rates are obviously higher in city centers, surrounding areas often feel the brunt of high premiums as well. North Las Vegas is no exception. 

Here's a quick rundown of why car insurance rates in North Las Vegas may fluctuate and why your rate may seem higher.

pin icon

In North Las Vegas, the location of your residence affects how much you pay for car insurance. Although this is somewhat beyond your control, it does influence risk. Certain areas are simply more susceptible to theft, other crimes, and uninsured drivers than others. One positive aspect of North Las Vegas is that the difference between the priciest ZIP code and the least expensive is only about $43 per month. This can differ by hundreds of dollars between neighborhoods in some cities. If you live in a high-crime area, you will likely pay more for auto insurance than someone who lives in a safer neighborhood.

Expensive North Las Vegas ZIP codes: 89030, 89032, 89115, 89031, 89081

Cheap North Las Vegas ZIP codes: 89033, 89084, 89085, 89086, 89191

traffic image
Population density

Drivers in Nevada are subject to some particularly high insurance rates, specifically in Las Vegas and the cities surrounding it. This is attributed to high population density and around-the-clock activity[1]. Drivers travel in and out of the state at all hours, driving up the frequency and severity of losses. 

head injury icon
Pedestrian safety

Smart Growth America ranked Nevada as the 8th most dangerous state in the country for pedestrians[2]. High rates of pedestrian deaths by vehicles will cause insurance rates to increase far more than in places with safer infrastructure. 

Zebra Tip: Use your comprehensive coverage and UMPD to protect your vehicle against uninsured drivers.

No one ever intends to be involved in an accident, particularly with an uninsured driver, but carrying uninsured motorist coverage (also called UMPD) can assist you in being prepared in the event of an incident. UMPD will be there to aid you if your vehicle (or yourself) is harmed by an underinsured or uninsured driver. UMPD coverage usually has a lower deductible than collision coverage, tends to be less expensive, and will also result in lower rate increases if you need to file a claim.

Bundling insurance policies in North Las Vegas

Auto insurance rates are increasing in many regions these days, and finding ways to save money may appear to be a challenge, but there are methods to make things more affordable. One of the most straightforward and efficient ways to save is to bundle policies. By bundling car and home insurance or renters insurance, you may be able to save a significant amount of money. 

If you have both homeowners or renters coverage and car insurance, ask your insurance provider about bundling them together to receive a multi-policy discount. Bundling could save you 10% or more on your total premiums. Learn more about bundling home and car insurance in Norfolk. When shopping for a new insurance provider, make sure to explore bundling discounts.

bundling home and auto insurance in North Las Vegas
Cheapest car insurance companies for bundling home and auto insurance in North Las Vegas, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $526
GEICO $662
Country $747
USAA $793
State Farm $900
Progressive $906
Nationwide $1,429

North Las Vegas residents should be aware that some factors affecting auto insurance rates are beyond their control. Nonetheless, you can take measures to lower your premiums as a responsible driver. For example, it's a good idea to get quotes every six months to a year to stay informed about your rates. This is particularly important if you've recently had a significant life event or personal change that may impact your premiums. By comparing quotes from various insurance companies, you can find a policy that fits your needs and budget

Find the best rates for both auto and home insurance in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

Frequently asked questions

North Las Vegas residents can obtain a six-month auto insurance policy at an average cost of $1,421, which results in a monthly rate of $237. This rate is higher than both the state and national averages.

In North Las Vegas, Capital Insurance Group is the auto insurance carrier with the cheapest rates, averaging at $603 for a six-month policy.

Teenage drivers in North Las Vegas will pay about $4,552 for a six-month auto insurance policy, which amounts to roughly $759 per month. Since car insurance can be expensive for young drivers who have their own policy, we suggest adding them to their parents' policy to keep it more manageable.

Find affordable rates in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

How much is car insurance near me? — explore more cities near North Las Vegas, NV

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 editorial 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.