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

Car Insurance Companies in Las Vegas

Find Local Las Vegas Agents

Public Auto Risks, Inc.

6260 McLeod Dr., Ste 100 Las Vegas, NV 89120

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

Insurance Designs Corporation

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

Swarts Manning & Associates

10091 Park Run Dr #200 Las Vegas, NV 89145

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Las Vegas, NV 89121

Cragin & Pike Inc

2603 W Charleston Blvd Las Vegas, NV 89102

Harris Insurance Services, Inc.

3480 W Hacienda Ave Las Vegas, NV 89118

Harley E Harmon Insurance Agency Inc

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

Milton E. Doyle

8860 S Maryland Pkwy Las Vegas, NV 89123

Universal Insurance Agency

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

Western Pacific Insurance LLC

3145 Warm Springs Rd #100 Las Vegas, NV 89120

AMS Insurance

9960 W Cheyenne Ave Ste 240 Las Vegas, NV 89129

Transpo Insurance, LLC

6260 McLeod Dr Ste 100 Las Vegas, NV 89120

Byrd Insurance, Inc.

4935 Geist Ave Las Vegas, NV 89115

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Wadsworth Insurance, LLC

8565 S Eastern Ave Las Vegas, NV 89123

Nevada Auto Insurance

1953 N Decatur Blvd Las Vegas, NV 89108

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

Allen Empire Agency

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

GLB Insurance Group of Nevada

4455 S. Pecos Road Las Vegas, NV 89121

Assurance Ltd

5740 S Arville, Ste 204 Las Vegas, NV 89118

Jack Wall Insurance

3801 Vegas Dr Las Vegas, NV 89108

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20 Las Vegas, NV 89102

Your Insurance Agent

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

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100 Las Vegas, NV 89119

Branch-Hernandez & Associates

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

Branch Benefits Consultants

2480 North Decatur Las Vegas, NV 89108

Nevada West Business Insurance Services

4175 S. Riley St. Las Vegas, NV 89147

Valley Insurance Group, LLC

9455 W Russell Rd #130 Las Vegas, NV 89148

J&J Bernardo Inc DBA Keystone Insurance

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

See All

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

Just enter your zip code to get started

Your information is secure.

Recent Questions:

Las Vegas Car Insurance

Can my sister insure a car I own?

Oct 25, 2018

I live in las Vegas Nevada and my sister wants to insure a car I own so she can use ...

Laws regarding storing a car in Nevada?

Aug 17, 2018

I would like to store my car in a private secure garage. I will not drive the car. What is ...

Coverage for non-employee in commercial vehicle after accident

Aug 03, 2018

I was driving a company van with a customer in it and we got hit by another car. The other ...

How long do I have in Nevada to add a car to my policy

Jun 09, 2018

In NV, do I have a certain time period we’re I can drive my car without having to insure it?...

Additional Resources:

Las Vegas Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...