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 Average||State Average||National 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.
AVERAGE LAS VEGAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|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
|Credit||Average Car Insurance Rate|
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/Gender||Average 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.
LAS VEGAS AUTO INSURANCE COSTS BY AGE
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
Swarts Manning & Associates
10091 Park Run Dr #200 Las Vegas, NV 89145
Nevada Life Services
4850 W. Sunset Road Las Vegas, NV 89118
9139 W Russell Rd Las Vegas, NV 89148
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
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