What's the Cost of Car Insurance in Las Vegas?


Saving while insuring a vehicle in Las Vegas is especially vital because Las Vegas premiums are recognized for being costly. They generally exceed Nevada's average by 37%. We've analyzed how auto insurance rates in Las Vegas compare to premiums nationwide.


CAR INSURANCE RATES: LAS VEGAS VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,462$1,802$1,427


Las Vegas Auto Insurance by Gender and Marital Status


Gender as well as marital status are among the various driver traits that have an effect on car insurance costs in Las Vegas. Being married can save you around 6% per year compared to being single. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single. Unfortunately for women, their premiums tend to be 7% more expensive than for men.


LAS VEGAS CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,638
Male$2,462
Single$2,462
Married$2,302
Divorced$2,471
Widowed$2,496


Las Vegas Car Insurance Premiums by Age

At $2,278, drivers in their 50s have the lowest rates among any age group. People in their 60s ($2,318) aren’t paying much more. With car insurance payments of $10,897 on average, teenage drivers have the largest premiums of any age group. The most significant fall in premiums for Las Vegas drivers happens when they hit their 20s. Once out of the teenage age range, they save an average of $7,520 annually. Turning 60 triggers an increase in rates, but up until that age drivers can expect premium reductions when they move between age groups.


LAS VEGAS AUTO INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$10,897
20s$3,376
30s$2,435
40s$2,398
50s$2,278
60s$2,318
70s$2,892


Las Vegas Auto Insurance by Accident or Violation History


Being knowledgable about which driving mishaps can inflate the expense of premiums will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Las Vegas will cost you 63% more in car insurance premiums versus the city average of $2,462. Reckless driving will also push your rates up, with typical rates of $3,793! No one plans on getting into an accident, but things happen, so be aware of the effect one can have on your rates. If you are found at-fault in an accident in Las Vegas, you can expect your annual car insurance payments to rise by 54%.


AVERAGE LAS VEGAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationMean Rate
DUI/DWI$4,012
Reckless Driving$3,793
At-fault Accident (damages less than $1,000)$3,791
At-fault Accident (damages greater than $2,000)$3,791
Speeding Ticket (16-20 mph over speed limit)$3,103


Las Vegas Auto Insurance by Credit Level


Those with Very Poor credit (300-579) typically pay 197% more every year on premiums than those with Exceptional credit (800-850). The largest benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $1,524 per year.


LAS VEGAS CAR INSURANCE COSTS BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$5,990
Fair$4,466
Good$3,428
Very Good$2,653
Exceptional$2,020


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

Valley Insurance Group, LLC

9455 W Russell Rd #130 Las Vegas, NV 89148

Swarts Manning & Associates

10091 Park Run Dr #200 Las Vegas, NV 89145

Wild Wild West Insurance

3221 W. Oakey Blvd Las Vegas, NV 89102

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

Jack Wall Insurance

3801 Vegas Dr Las Vegas, NV 89108

Branch Benefits Consultants

2480 North Decatur Las Vegas, NV 89108

Wadsworth Insurance, LLC

8565 S Eastern Ave Las Vegas, NV 89123

Universal Insurance Agency

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

Nevada Auto Insurance

1953 N Decatur Blvd Las Vegas, NV 89108

Milton E. Doyle

8860 S Maryland Pkwy Las Vegas, NV 89123

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

Harris Insurance Services, Inc.

3480 W Hacienda Ave Las Vegas, NV 89118

Martial, Inc. dba AmeriSent Insurance

6070 S Eastern Ave Ste 400 Las Vegas, NV 89119

Public Auto Risks, Inc.

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

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

Western Pacific Insurance LLC

3145 Warm Springs Rd #100 Las Vegas, NV 89120

Branch-Hernandez & Associates

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

Nevada West Business Insurance Services

4175 S. Riley St. Las Vegas, NV 89147

Transpo Insurance, LLC

6260 McLeod Dr Ste 100 Las Vegas, NV 89120

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Aniello Insurance Agency

3012 W Charleston Blvd #150 Las Vegas, NV 89102

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100 Las Vegas, NV 89119

Your Insurance Agent

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

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20 Las Vegas, NV 89102

GLB Insurance Group of Nevada

4455 S. Pecos Road Las Vegas, NV 89121

J&J Bernardo Inc DBA Keystone Insurance

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

Insurance Designs Corporation

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

Assurance Ltd

5740 S Arville, Ste 204 Las Vegas, NV 89118

Byrd Insurance, Inc.

4935 Geist Ave Las Vegas, NV 89115

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

_icon-city-pizza

283

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

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