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 HighwaysU.S. 95 I-15 I-215
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
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
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
5740 S Arville, Ste 204 Las Vegas, NV 89118
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