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.

City AverageState AverageNational Average

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.

Incident or ViolationMean Rate
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.

CreditAverage Car Insurance Rate
Very Poor$5,990
Very Good$2,653

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.

Marital Status/GenderAverage Rate

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.

AgeAverage 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

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

Direct Point Insurance, Inc.

3017 W Charleston Blvd #20 Las Vegas, NV 89102

Martial, Inc. dba AmeriSent Insurance

6070 S Eastern Ave Ste 400 Las Vegas, NV 89119

Cragin & Pike Inc

2603 W Charleston Blvd Las Vegas, NV 89102

Aniello Insurance Agency

3012 W Charleston Blvd #150 Las Vegas, NV 89102

AMS Insurance

9960 W Cheyenne Ave Ste 240 Las Vegas, NV 89129

Swarts Manning & Associates

10091 Park Run Dr #200 Las Vegas, NV 89145

Valley Insurance Group, LLC

9455 W Russell Rd #130 Las Vegas, NV 89148

Assurance Ltd

5740 S Arville, Ste 204 Las Vegas, NV 89118

Universal Insurance Agency

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

Makro Enterprises Inc. dba Managed Pay Insurance

6410 S Eastern Ave Las Vegas, NV 89119

Your Insurance Agent

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

Branch-Hernandez & Associates

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

Milton E. Doyle

8860 S Maryland Pkwy Las Vegas, NV 89123

Nevada Life Services

4850 W. Sunset Road Las Vegas, NV 89118

Insurance Designs Corporation

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

Nevada West Business Insurance Services

4175 S. Riley St. Las Vegas, NV 89147

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

J&J Bernardo Inc DBA Keystone Insurance

3790 S. Paradise Rd., #110 Las Vegas, NV 89169

Western Pacific Insurance LLC

3145 Warm Springs Rd #100 Las Vegas, NV 89120

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Las Vegas, NV 89121

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

Wild Wild West Insurance

3221 W. Oakey Blvd Las Vegas, NV 89102

Nevada Auto Insurance

1953 N Decatur Blvd Las Vegas, NV 89108

Byrd Insurance, Inc.

4935 Geist Ave Las Vegas, NV 89115

Branch Benefits Consultants

2480 North Decatur Las Vegas, NV 89108

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Brown & Brown Insurance of Nevada, Inc.

975 Kelly Johnson Dr #100 Las Vegas, NV 89119

Transpo Insurance, LLC

6260 McLeod Dr Ste 100 Las Vegas, NV 89120

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

See All

Not sure about Las Vegas

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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

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