Car Insurance in Las Vegas

On average, Las Vegas premiums exceed the state average by 37%, so cutting costs while insuring a vehicle in Las Vegas is important. Keep some money in your pocket by following the tips below about how to save on car insurance in Las Vegas.

  • City Average: $2,462
  • State Average: $1,802
  • National Average: $1,427

Las Vegas Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of prices on car insurance. In Las Vegas, drivers with a DUI have rates $1,550 greater than the city average of $2,462. Reckless driving will push your premiums up as well, with typical rates of $3,793. That is 54% higher than the city average! Being at-fault in an accident can cost drivers an additional 54% per year to insure your vehicle in Las Vegas.

  • DUI: $4,012
  • Reckless Driving: $3,793
  • At-fault Accident (damages less than $1000): $3,791
  • At-fault Accident (damages greater than $2000): $3,791
  • Speeding Ticket (16-20 mph over speed limit): $3,103

Las Vegas Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers can save approximately $1,524 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $5,990
  • Fair: $4,466
  • Good: $3,428
  • Very Good: $2,653
  • Exceptional: $2,020

Las Vegas Car Insurance by Age

In Las Vegas, when drivers hit their 20s, therefore moving out of the teenage age range, they can save 69% on car insurance, the biggest difference between any age group. Turning 60 triggers a rise in insurance rates, but up until that point drivers can expect premium reductions when they move from one age group to the next. With car insurance payments of $10,897 on average, teenage drivers have the largest premiums of any age group. Looking across all age groups, drivers in their 50s have the lowest insurance rates. Their rates generally average $2,278 per year. However, people in their 60s ($2,318) have premiums that aren't much higher.

  • Teenagers: $10,897
  • 20s: $3,376
  • 30s: $2,435
  • 40s: $2,398
  • 50s: $2,278
  • 60s: $2,318
  • 70s: $2,892

Las Vegas Car Insurance by Gender and Marital Status

In Las Vegas, both gender and marital status have an effect on your car insurance premiums. Premiums are cheaper for men than for women. Men generally pay $176 less than women every year for insurance. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single. Being married can save you approximately 6% per year compared to being single.

  • Female: $2,638
  • Male: $2,462
  • Single: $2,462
  • Married: $2,302
  • Divorced: $2,471
  • Widowed: $2,496

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

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

Makro Enterprises Inc. dba Managed Pay Insurance

6410 S Eastern Ave Las Vegas, NV 89119

Insurance Designs Corporation

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

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100 Las Vegas, NV 89119

Nevada West Business Insurance Services

4175 S. Riley St. Las Vegas, NV 89147

Universal Insurance Agency

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

Nevada Life Services

4850 W. Sunset Road Las Vegas, NV 89118

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20 Las Vegas, NV 89102

Branch Benefits Consultants

2480 North Decatur Las Vegas, NV 89108

Wadsworth Insurance, LLC

8565 S Eastern Ave Las Vegas, NV 89123

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

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

Byrd Insurance, Inc.

4935 Geist Ave Las Vegas, NV 89115

Aniello Insurance Agency

3012 W Charleston Blvd #150 Las Vegas, NV 89102

GLB Insurance Group of Nevada

4455 S. Pecos Road Las Vegas, NV 89121

AMS Insurance

9960 W Cheyenne Ave Ste 240 Las Vegas, NV 89129

Transpo Insurance, LLC

6260 McLeod Dr Ste 100 Las Vegas, NV 89120

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Las Vegas, NV 89121

Valley Insurance Group, LLC

9455 W Russell Rd #130 Las Vegas, NV 89148

Branch-Hernandez & Associates

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

Wild Wild West Insurance

3221 W. Oakey Blvd Las Vegas, NV 89102

Western Pacific Insurance LLC

3145 Warm Springs Rd #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

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Jack Wall Insurance

3801 Vegas Dr Las Vegas, NV 89108

Allen Empire Agency

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

Nevada Auto Insurance

1953 N Decatur Blvd Las Vegas, NV 89108

Assurance Ltd

5740 S Arville, Ste 204 Las Vegas, NV 89118

See All

Not sure about Las Vegas

Check out these other Nevada cities...



North Las Vegas


The average Las Vegan's annual cost of coverage


Our customer's average savings after comparing insurance


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...

Are 1 in 7 Drivers Forced to Drive Illegally?
Are 1 in 7 Drivers Forced to Drive Illegally?
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...