Cheap Car Insurance in Las Vegas

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Las Vegas

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While you’re probably not cruising up and down the Las Vegas Strip regularly, your daily commute around the city can be littered with tourist traffic. The constant hum of the Strip, along with events at T-Mobile Arena and local convention centers, keeps locals on the road with a revolving set of visitors. Extra traffic congestion calls for robust car insurance, and we’ve rounded up a preview of rates to help you start shopping.

Here are the cheapest car insurance rates based on age, driving record and coverage type in Las Vegas, according to real quotes that local drivers have received via Jerry.

Cheapest minimum coverage insurance in Las Vegas

Nevada requires drivers to have a minimum coverage of:

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per accident.
  • $20,000 for property damage per accident.

Here are the cheapest quotes for minimum coverage in Las Vegas, based on real quotes from Jerry customers.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$44 $522 Progressive 56 July 2, 2024 Las Vegas, NV 89131
$50 $594 Progressive 25 October 11, 2024 Las Vegas, NV 89121
$53 $636 National General 26 July 26, 2024 Las Vegas, NV 89122
$54 $646 Progressive 40 February 14, 2025 Las Vegas, NV 89129
$54 $652 Aspire Advantage 45 April 15, 2024 Las Vegas, NV 89142
$58 $690 Bristol West 43 November 30, 2024 Las Vegas, NV 89108
$59 $707 Aspire Advantage 29 April 7, 2024 Las Vegas, NV 89129
$62 $740 Progressive 65 December 24, 2024 Las Vegas, NV 89123
$63 $762 Aspire Advantage 35 August 13, 2024 Las Vegas, NV 89169
$64 $770 Progressive 44 August 12, 2024 Las Vegas, NV 89103
Last Updated Feb 27, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Las Vegas

Las Vegas is prone to flash flooding between July and September and the minimum coverage won’t help if your car is damaged by hazardous weather. Full coverage, which combines collision and comprehensive insurances, provides protection from weather-related damage, as well as animal collisions and theft.

Here are quotes for full coverage policies that real drivers have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$54 $646 Progressive 40 February 14, 2025 Las Vegas, NV 89129
$58 $690 Bristol West 43 November 30, 2024 Las Vegas, NV 89108
$66 $789 Progressive 43 November 30, 2024 Las Vegas, NV 89108
$67 $803 Progressive 43 November 26, 2024 Las Vegas, NV 89108
$68 $812 Progressive 62 May 14, 2024 Las Vegas, NV 89134
$69 $830 Progressive 43 November 29, 2024 Las Vegas, NV 89108
$73 $874 Progressive 50 October 1, 2024 Las Vegas, NV 89129
$73 $878 Progressive 26 December 12, 2024 Las Vegas, NV 89106
$73 $878 Progressive 57 December 29, 2024 Las Vegas, NV 89148
$75 $894 Progressive 40 September 19, 2024 Las Vegas, NV 89178
Last Updated Feb 27, 2025

Cheapest car insurance for young drivers in Las Vegas (18-29 years old)

Younger drivers usually pay higher premiums than older drivers because insurers view their lack of experience as risky. That doesn’t mean you can’t find an affordable rate, but you may have to do extra comparison shopping. Here are the cheapest quotes that young drivers in Las Vegas have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$50 $594 Progressive 25 No October 11, 2024 Las Vegas, NV 89121
$53 $636 National General 26 No July 26, 2024 Las Vegas, NV 89122
$59 $707 Aspire Advantage 29 No April 7, 2024 Las Vegas, NV 89129
$66 $792 National General 26 No April 23, 2024 Las Vegas, NV 89122
$72 $866 Bristol West 29 No April 7, 2024 Las Vegas, NV 89129
Last Updated Feb 26, 2025

Cheapest car insurance for mature drivers in Las Vegas (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$54 $646 Progressive 40 Yes February 14, 2025 Las Vegas, NV 89129
$54 $652 Aspire Advantage 45 No April 15, 2024 Las Vegas, NV 89142
$58 $690 Bristol West 43 Yes November 30, 2024 Las Vegas, NV 89108
$60 $721 Aspire Advantage 34 No October 3, 2023 Las Vegas, NV 89169
$63 $762 Aspire Advantage 35 No August 13, 2024 Las Vegas, NV 89169
Last Updated Feb 26, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$44 $522 Progressive 56 No July 2, 2024 Las Vegas, NV 89131
$62 $740 Progressive 65 No December 24, 2024 Las Vegas, NV 89123
$68 $812 Progressive 62 Yes May 14, 2024 Las Vegas, NV 89134
$71 $852 Progressive 77 No August 21, 2024 Las Vegas, NV 89123
$73 $872 Aspire Advantage 62 No November 24, 2023 Las Vegas, NV 89101
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with clean records in Las Vegas

The best car insurance prices often go to drivers with clean records. Here are the cheapest car insurance quotes that drivers with no claims or violations have received in Las Vegas, according to data from real Jerry customers.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$54 $646 Progressive 40 February 14, 2025 Yes Las Vegas, NV 89129
$54 $652 Aspire Advantage 45 April 15, 2024 No Las Vegas, NV 89142
$58 $690 Bristol West 43 November 30, 2024 Yes Las Vegas, NV 89108
$59 $707 Aspire Advantage 29 April 7, 2024 No Las Vegas, NV 89129
$60 $721 Aspire Advantage 34 October 3, 2023 No Las Vegas, NV 89169
$62 $740 Progressive 65 December 24, 2024 No Las Vegas, NV 89123
$63 $762 Aspire Advantage 35 August 13, 2024 No Las Vegas, NV 89169
$64 $770 Progressive 44 August 12, 2024 No Las Vegas, NV 89103
$64 $770 Progressive 44 August 7, 2024 No Las Vegas, NV 89103
$64 $770 Progressive 44 August 18, 2024 No Las Vegas, NV 89103
Last Updated Feb 27, 2025

Cheapest car insurance for drivers with low credit scores in Las Vegas

Drivers with low credit scores tend to pay more for car insurance than those with good credit. It’s wise to compare quotes from multiple insurers to find the most affordable rates. Here are the cheapest quotes that real Las Vegas drivers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $58 $690 Bristol West 43 November 30, 2024 Las Vegas, NV 89108
<550 $60 $721 Aspire Advantage 34 October 3, 2023 Las Vegas, NV 89169
<550 $66 $789 Progressive 43 November 30, 2024 Las Vegas, NV 89108
<550 $67 $803 Progressive 43 November 26, 2024 Las Vegas, NV 89108
<550 $69 $830 Progressive 43 November 29, 2024 Las Vegas, NV 89108
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with at-fault accidents in Las Vegas

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $50 $594 Progressive 25 No October 11, 2024 Las Vegas, NV 89121
At Fault With No Injury $53 $636 National General 26 No July 26, 2024 Las Vegas, NV 89122
At Fault With No Injury $66 $792 National General 26 No April 23, 2024 Las Vegas, NV 89122
At Fault With No Injury $68 $812 Progressive 62 Yes May 14, 2024 Las Vegas, NV 89134
At Fault With No Injury $72 $870 Bristol West 26 No July 26, 2024 Las Vegas, NV 89122
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with speeding tickets in Las Vegas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $82 $984 Progressive 54 February 21, 2024 Las Vegas, NV 89131
Speeding over 15 $95 $1,135 Bluefire 30 November 6, 2023 Las Vegas, NV 89104
Speeding over 15 $116 $1,388 Progressive 29 February 23, 2024 Las Vegas, NV 89148
Speeding over 15 $126 $1,516 Progressive 29 February 7, 2024 Las Vegas, NV 89148
Speeding under 15 $129 $1,544 Progressive 41 December 10, 2024 Las Vegas, NV 89148
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with DUIs in Las Vegas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $66 $786 Progressive 33 January 9, 2025 Las Vegas, NV 89141
DUI $101 $1,212 Anchor General 32 June 5, 2024 Las Vegas, NV 89104
DUI $115 $1,378 National General 32 June 5, 2024 Las Vegas, NV 89104
DUI $181 $2,169 Progressive 45 May 27, 2024 Las Vegas, NV 89113
DUI $204 $2,454 Bristol West 32 June 5, 2024 Las Vegas, NV 89104
Last Updated Feb 27, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.