How Much Does Car Insurance Cost in Las Vegas?


On average, premiums in Las Vegas are 62% higher than the state average. Keep some cash in your pocket by following our tips and saving on car insurance in Las Vegas.


AUTO INSURANCE COSTS: LAS VEGAS VS. STATE/US AVERAGES
City AverageState AverageNational Average
$2,609$1,614$1,569


Las Vegas Car Insurance by Credit Rating


Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of 3.5x more on premiums than those in the top credit tier (800-850). In terms of percent change, the most notable benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of 51% per year.


LAS VEGAS CAR INSURANCE COSTS BY CREDIT LEVEL
Credit LevelAverage Auto Insurance Rate
Very Poor$6,950
Fair$3,392
Good$2,609
Very Good$2,270
Exceptional$2,000


Las Vegas Car Insurance Premiums by Age

At $2,422, drivers in their 50s have the smallest insurance rates among any age group. People in their 70s ($2,445) and 60s ($2,471) aren’t paying significantly more. The largest dip in premiums for Las Vegas drivers happens when they hit their 20s. Once out of the teenage age range, individuals pay $8,986 less in premiums. The first time drivers can expect their age to trigger a rise in premiums is when they turn 60. With typical car insurance payments of $11,408, teenage drivers have the biggest premiums out of all the age groups.


LAS VEGAS AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$11,408
20s$3,553
30s$2,580
40s$2,548
50s$2,422
60s$2,471
70s$2,445


Las Vegas Car Insurance by Violation or Accident History


By avoiding driving mishaps that can bloat the price of insurance rates, you can not only save yourself money, but become a safer driver. Reckless driving will increase your car insurance premiums more than other driving violations. Normally, a DUI in Las Vegas will cost you 60% more in car insurance premiums versus the city average ($2,609). Reckless driving will bump your rates up as well, with average rates of $4,301. That is 65% higher than the city average! The amount of damage caused by an accident plays a role in how drastically insurance rates will increase. For individuals in Las Vegas with at-fault accidents in which damages exceeded $2,000, rates are an average of $266 more than at-fault accidents with damages less than $1,000.


AVERAGE LAS VEGAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationMean Rate
DUI$4,188
Reckless Driving$4,301
At-fault Accident (damages less than $1,000)$3,773
At-fault Accident (damages greater than $2,000)$4,039
Speeding Ticket (16-20 mph over speed limit)$3,311


Las Vegas Car Insurance by Gender and Marital Status


There are numerous factors, including marital status and gender, that come into play when determining car insurance rates in Las Vegas. Being single, as opposed to married, can cost you an average of $163 more per year. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single. 7% is the amount by which men's and women's car insurance premiums deviate.


LAS VEGAS CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,801
Male$2,609
Single$2,609
Married$2,446
Divorced$2,620
Widowed$2,650


What drives up car insurance rates in Las Vegas?

Where you live in 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 Las Vegas is no exception to the rule. From zip code 89018 to 89101, premiums rise by 48 percent—that’s $647.

Expensive Las Vegas Zip Codes: 89104, 89106, 89030, 89102, 89101

Cheap Las Vegas Zip Codes: 89018, 89166, 89165, 89134, 89144

Las Vegas Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Las Vegas, you can expect 27 rainy days with an annual rainfall of 4.2 inches. Las Vegas is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.

27

Rainy Days a Year

4"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Sin City

2
Major Highways
U.S. 95 I-15 I-215
2
Public Transit
RTC Bus LV Monorail
2
Popular Day Trips
Zion National Park Lake Mead Valley of Fire State Park

Find Local Las Vegas Agents

Milton E. Doyle

8860 S Maryland Pkwy Las Vegas, NV 89123

J&J Bernardo Inc DBA Keystone Insurance

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

Harley E Harmon Insurance Agency Inc

4455 S Pecos Rd, Ste A Las Vegas, NV 89121

Universal Insurance Agency

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

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

Harris Insurance Services, Inc.

3480 W Hacienda Ave Las Vegas, NV 89118

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100 Las Vegas, NV 89119

AMS Insurance

9960 W Cheyenne Ave Ste 240 Las Vegas, NV 89129

Valley Insurance Group, LLC

9455 W Russell Rd #130 Las Vegas, NV 89148

Nevada Life Services

4850 W. Sunset Road Las Vegas, NV 89118

Jack Wall Insurance

3801 Vegas Dr Las Vegas, NV 89108

Wild Wild West Insurance

3221 W. Oakey Blvd Las Vegas, NV 89102

GLB Insurance Group of Nevada

4455 S. Pecos Road Las Vegas, NV 89121

Your Insurance Agent

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

Swarts Manning & Associates

10091 Park Run Dr #200 Las Vegas, NV 89145

Assurance Ltd

5740 S Arville, Ste 204 Las Vegas, NV 89118

Insurance Designs Corporation

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

Nevada Auto Insurance

1953 N Decatur Blvd Las Vegas, NV 89108

Branch-Hernandez & Associates

2480 N Decatur Blvd, Ste 140 Las Vegas, NV 89108

Aniello Insurance Agency

3012 W Charleston Blvd #150 Las Vegas, NV 89102

Allen Empire Agency

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

Martial, Inc. dba AmeriSent Insurance

6070 S Eastern Ave Ste 400 Las Vegas, NV 89119

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20 Las Vegas, NV 89102

Cragin & Pike Inc

2603 W Charleston Blvd Las Vegas, NV 89102

Western Pacific Insurance LLC

3145 Warm Springs Rd #100 Las Vegas, NV 89120

Wadsworth Insurance, LLC

8565 S Eastern Ave Las Vegas, NV 89123

Nevada West Business Insurance Services

4175 S. Riley St. Las Vegas, NV 89147

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Las Vegas, NV 89121

Not sure about Las Vegas

Check out these other Nevada cities...

Henderson

Reno

North Las Vegas

2

$1,767

The average Las Vegan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

283

That's equal to 283 pieces of pizza or $707 in savings

See How Much You Can Save in Las Vegas

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Recent Questions:

Las Vegas Car Insurance

My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

Where can I get short term insurance for an RV?

Whether you're insuring your car or RV, temporary insurance is not really an option — most policies are for 6-12 months. You can typically cancel at any time but be aware of any fees for canceling early.

Do I have to add my adult son to my insurance if he'll be driving my car while visiting?

Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it.

Can my sister insure a car I own?

Yes, she can insure your car. She will need to make sure you are listed as a driver as well as an additional interest.