Car Insurance in North Las Vegas

North Las Vegas premiums exceed Nevada's average by 30%, which is why the city is known for its pricey premiums, so if you are insuring a vehicle in North Las Vegas, being knowledgeable about premiums is important. Keep some money in your pocket by following the tips below about how to save on car insurance in North Las Vegas.

  • City Average: $2,344
  • State Average: $1,802
  • National Average: $1,427

North Las Vegas Car Insurance by Age

In North Las Vegas, drivers see the largest reduction in premiums when they hit their 20s, as they save an average of 69% from moving out of the teenage age bracket. While rates for drivers in North Las Vegas will continue to shrink through their 50s, they should anticipate an increase when they turn 60. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $2,169 each year. People in their 60s ($2,208) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with rates that average $10,358 per year.

  • Teenagers: $10,358
  • 20s: $3,209
  • 30s: $2,318
  • 40s: $2,282
  • 50s: $2,169
  • 60s: $2,208
  • 70s: $2,755

North Las Vegas Car Insurance by Accident or Violation History

Having a flawless driving record is important if you want to keep your premiums low. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in North Las Vegas have rates that exceed the city average of $2,344 by $1,468. Reckless driving will drive your rates up as well, with average rates of $3,606, which are 54% higher than the city average! Nobody plans on getting into an accident, but things happen, so be aware of what can happen to your rates following one. For those in North Las Vegas with at-fault accidents, car insurance is an average of $1,262 more per year.

  • DUI: $3,812
  • Reckless Driving: $3,606
  • At-fault Accident (damages less than $1000): $3,606
  • At-fault Accident (damages greater than $2000): $3,606
  • Speeding Ticket (16-20 mph over speed limit): $2,949

North 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. In terms of percent change, the most notable benefit of better credit occurs when upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately 25% per year.

  • Very Poor: $5,680
  • Fair: $4,241
  • Good: $3,259
  • Very Good: $2,524
  • Exceptional: $1,923

North Las Vegas Car Insurance by Gender and Marital Status

Car insurance premiums in North Las Vegas vary depending on your marital status and gender. Premiums are cheaper for men than for women. Men normally pay $166 less than women each year for insurance. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single. Being single, as opposed to married, can cost you an average of 7% more per year on car insurance.

  • Female: $2,510
  • Male: $2,344
  • Single: $2,344
  • Married: $2,192
  • Divorced: $2,352
  • Widowed: $2,377

What drives up car insurance rates in North Las Vegas?

Where you live in North 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 North Las Vegas is no exception to the rule. From zip code 89040 to 89087, premiums rise by 24 percent—that’s $329.

Expensive North Las Vegas Zip Codes: 89081, 89085, 89087

Cheap North Las Vegas Zip Codes: 89040, 89086, 89084

North 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 North Las Vegas, you can expect 22 rainy days with an annual rainfall of 4 inches. North 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 North Las Vegas

Major Highways
I-15 Las Vegas Boulevard CC 215
Public Transit

Find Local North Las Vegas Agents

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

Makro Enterprises Inc. dba Managed Pay Insurance

6410 S Eastern Ave Las Vegas, NV 89119

Byrd Insurance, Inc.

4935 Geist Ave Las Vegas, NV 89115

Aniello Insurance Agency

3012 W Charleston Blvd #150 Las Vegas, NV 89102

Alpine Insurance Associates

5858 South Pecos Road #I300 Las Vegas, NV 89120

Harris Insurance Services, Inc.

3480 W Hacienda Ave Las Vegas, NV 89118

Cragin & Pike Inc

2603 W Charleston Blvd Las Vegas, NV 89102

Saginaw Financial

2110 E. Cheyenne Ave North Las Vegas, NV 89030

Jack Wall Insurance

3801 Vegas Dr Las Vegas, NV 89108

Milton E. Doyle

8860 S Maryland Pkwy Las Vegas, NV 89123

Martial, Inc. dba AmeriSent Insurance

6070 S Eastern Ave Ste 400 Las Vegas, NV 89119

Transpo Insurance, LLC

6260 McLeod Dr Ste 100 Las Vegas, NV 89120

Your Insurance Agent

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

Wild Wild West Insurance

3221 W. Oakey Blvd Las Vegas, NV 89102

Branch Benefits Consultants

2480 North Decatur Las Vegas, NV 89108

GLB Insurance Group of Nevada

4455 S. Pecos Road Las Vegas, NV 89121

Harley E Harmon Insurance Agency Inc

4455 S Pecos Rd, Ste A Las Vegas, NV 89121

Western Pacific Insurance LLC

3145 Warm Springs Rd #100 Las Vegas, NV 89120

Wadsworth Insurance, LLC

8565 S Eastern Ave Las Vegas, NV 89123

Allen Empire Agency

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

Wood & Associates, Inc.

11250 Revelry Dr Las Vegas, NV 89138

Guardian Brokers

9139 W Russell Rd Las Vegas, NV 89148

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

Branch-Hernandez & Associates

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

Swarts Manning & Associates

10091 Park Run Dr #200 Las Vegas, NV 89145

Osorio and Family, LLC dba Citywide Insurance

3421 E Tropicana Ave Las Vegas, NV 89121

J&J Bernardo Inc DBA Keystone Insurance

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

AMS Insurance

9960 W Cheyenne Ave Ste 240 Las Vegas, NV 89129

See All

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The average North Las Vegas resident's annual cost of coverage


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North Las Vegas Car Insurance

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