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 Average||State Average||National Average|
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/Gender||Average Rate|
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
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 Violation||Mean Rate|
|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
|Credit||Average Auto Insurance Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
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
5740 S Arville, Ste 204 Las Vegas, NV 89118
Byrd Insurance, Inc.
4935 Geist Ave Las Vegas, NV 89115
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