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 Average||State Average||National Average|
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 Level||Average Auto Insurance Rate|
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
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 Violation||Mean Rate|
|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/Gender||Average Rate|
Las Vegas Car Insurance Rates by ZIP Code
Location is an important rating factor when insurers determine what you pay for auto insurance. Insurance companies weigh the risks of living in certain ZIP codes and price policies accordingly. See below to see average annual premiums in every Las Vegas ZIP code.
AVERAGE LAS VEGAS INSURANCE RATES BY ZIP CODE
|ZIP Code||Average 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
Harris Insurance Services, Inc.
3480 W Hacienda Ave, Las Vegas, NV 89118
Direct Point Insurance, Inc.
3017 W Charleston Blvd #20, Las Vegas, NV 89102
9139 W Russell Rd, Las Vegas, NV 89148
GLB Insurance Group of Nevada
4455 S. Pecos Road, Las Vegas, NV 89121
Valley Insurance Group, LLC
9455 W Russell Rd #130, Las Vegas, NV 89148
Osorio and Family, LLC dba Citywide Insurance
3421 E Tropicana Ave Suite P, Las Vegas, NV 89121
Milton E. Doyle
8860 S Maryland Pkwy Suite 123, Las Vegas, NV 89123
Western Pacific Insurance LLC
3145 Warm Springs Rd #100, Las Vegas, NV 89120
Nevada Auto Insurance
1953 N Decatur Blvd, Las Vegas, NV 89108
Your Insurance Agent
3161 E. Warm Springs Rd. #400, Las Vegas, NV 89120
Makro Enterprises Inc. dba Managed Pay Insurance
6410 S Eastern Ave, Las Vegas, NV 89119
Cragin & Pike Inc
2603 W Charleston Blvd, Las Vegas, NV 89102
Jack Wall Insurance
3801 Vegas Dr, Las Vegas, NV 89108
Wadsworth Insurance, LLC
8565 S Eastern Ave Suite 122, Las Vegas, NV 89123
Aniello Insurance Agency
3012 W Charleston Blvd #150, Las Vegas, NV 89102
Public Auto Risks, Inc.
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
Swarts Manning & Associates
10091 Park Run Dr #200, Las Vegas, NV 89145
Universal Insurance Agency
348 N. Nellis Blvd, Suite C, Las Vegas, NV 89110
Wood & Associates, Inc.
11250 Revelry Dr, Las Vegas, NV 89138
Transpo Insurance, LLC
6260 McLeod Dr Ste 100, Las Vegas, NV 89120
Wild Wild West Insurance
3221 W. Oakey Blvd, Las Vegas, NV 89102
Martial, Inc. dba AmeriSent Insurance
6070 S Eastern Ave Ste 400, Las Vegas, NV 89119
Allen Empire Agency
4894 Lone Mountain Ave., Suite 178, Las Vegas, NV 89130
Branch-Hernandez & Associates
2480 N Decatur Blvd, Ste 140, Las Vegas, NV 89108
9960 W Cheyenne Ave Ste 240, Las Vegas, NV 89129
5740 S Arville, Ste 204, Las Vegas, NV 89118
Nevada West Business Insurance Services
4175 S. Riley St. suite 102, Las Vegas, NV 89147
Brown & Brown Insurance of Nevada, Inc.
975 Kelly Johnson Dr #100, Las Vegas, NV 89119
Branch Benefits Consultants
2480 North Decatur #140, Las Vegas, NV 89108
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