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


On average, Las Vegas premiums exceed Nevada's average by $660, so it is critical to cut costs while insuring a vehicle in Las Vegas. We've analyzed how auto insurance rates in Las Vegas compare to premiums nationwide.


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


Las Vegas Car Insurance With Accidents or Violations


Does your driving record show a history of accidents or violations? That may have an impact on your prices on car insurance. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Las Vegas have rates that exceed the city average ($2,462) by $1,550. Reckless driving will also push your premiums up, with average rates of $3,793. That is 54% higher than the city average! You can expect your annual car insurance premiums to rise by 54% if you are found at-fault in an accident in Las Vegas.


AVERAGE LAS VEGAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationMean Rate
DUI$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 Rating


Average car insurance premiums in Las Vegas for those with Very Poor credit (300-579) are almost 3x the premiums for those with Exceptional credit (800-850). Drivers will see the greatest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,524 per year.


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


Las Vegas Auto Insurance by Marital Status and Gender


In Las Vegas, both gender and marital status affect your car insurance premiums. Premiums are cheaper for men than for women. Men usually pay $176 less than women each year for insurance. You spend an average of 7% more per year if you're single as opposed to married. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single.


LAS VEGAS AUTO INSURANCE PREMIUMS 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 Auto Insurance Premiums by Age

The largest drop in premiums for Las Vegas drivers happens when they reach their 20s. Once out of the teenage age range, individuals save, on average, 69% each year. When drivers turn 60, they will experience a rate increase related to their age for the first time. Looking across all age groups, drivers in their 50s tend to have the lowest car insurance rates. Their rates normally average $2,278/year. People in their 60s ($2,318) also have relatively low premiums. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $10,897 on average.


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


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

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

Find Local Las Vegas Agents

Swarts Manning & Associates

10091 Park Run Dr #200 Las Vegas, NV 89145

Nevada Life Services

4850 W. Sunset Road Las Vegas, NV 89118

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

AMS Insurance

9960 W Cheyenne Ave Ste 240 Las Vegas, NV 89129

Transpo Insurance, LLC

6260 McLeod Dr Ste 100 Las Vegas, NV 89120

Harley E Harmon Insurance Agency Inc

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

Nevada West Business Insurance Services

4175 S. Riley St. Las Vegas, NV 89147

Martial, Inc. dba AmeriSent Insurance

6070 S Eastern Ave Ste 400 Las Vegas, NV 89119

Harris Insurance Services, Inc.

3480 W Hacienda Ave Las Vegas, NV 89118

Your Insurance Agent

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

Jack Wall Insurance

3801 Vegas Dr Las Vegas, NV 89108

Aniello Insurance Agency

3012 W Charleston Blvd #150 Las Vegas, NV 89102

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

Cragin & Pike Inc

2603 W Charleston Blvd Las Vegas, NV 89102

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Valley Insurance Group, LLC

9455 W Russell Rd #130 Las Vegas, NV 89148

Wadsworth Insurance, LLC

8565 S Eastern Ave Las Vegas, NV 89123

Branch-Hernandez & Associates

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

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100 Las Vegas, NV 89119

Western Pacific Insurance LLC

3145 Warm Springs Rd #100 Las Vegas, NV 89120

Allen Empire Agency

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

Wild Wild West Insurance

3221 W. Oakey Blvd Las Vegas, NV 89102

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Las Vegas, NV 89121

Insurance Designs Corporation

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

Milton E. Doyle

8860 S Maryland Pkwy Las Vegas, NV 89123

Makro Enterprises Inc. dba Managed Pay Insurance

6410 S Eastern Ave Las Vegas, NV 89119

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20 Las Vegas, NV 89102

Universal Insurance Agency

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

GLB Insurance Group of Nevada

4455 S. Pecos Road Las Vegas, NV 89121

Nevada Auto Insurance

1953 N Decatur Blvd Las Vegas, NV 89108

See All

Not sure about Las Vegas

Check out these other Nevada cities...

Henderson

Reno

North Las Vegas

$1,767

The average Las Vegan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

283

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

See How Much You Can Save in Las Vegas

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Las Vegas Car Insurance

Top Insurance Tech Conferences to Attend
Top Insurance Tech Conferences to Attend
Aug 16, 2017

Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...

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...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Answering Every FAQ About Driverless Cars
Answering Every FAQ About Driverless Cars
Jul 27, 2016

Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

Self-Driving Cars vs. Cyclists: What Does the Future Look Like?
Self-Driving Cars vs. Cyclists: What Does the Future Look Like?
Sep 16, 2015

Google’s self-driving cars are some of the most visible and well-known (and most talked-about) autonomous vehicles on the road. Google’s...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

The DeLorean 30 Years Later: Beyond Back to the Future
The DeLorean 30 Years Later: Beyond Back to the Future
Apr 24, 2015

The DeLorean can still make us time travel: if not via the Flux Capacitor, then because the name itself will...

How Marijuana Legalization Has Affected Driving
How Marijuana Legalization Has Affected Driving
Apr 20, 2015

As of November 9, 2016, there are 28 states and the District of Columbia that have legalized marijuana in some...

Texting and Driving Laws: Hard to Enforce
Texting and Driving Laws: Hard to Enforce
Jul 17, 2014

Perhaps it’s not a surprise that texting and driving laws are hard to enforce. After all, most of us now...