Cheapest car insurance in Las Vegas, Nevada (Apr 2024)

, and

full-coverage auto insurance

may dominate the Vegas insurance market, our survey reveals that Esurance,

GEICO

Mercury

, and

The General

get the highest rankings across the board—especially when it comes to customer satisfaction.

Take a look at how Las Vegas drivers ranked major insurance companies below.

Insurance company	Overall rating	Price	Claims experience	Customer service
Allstate	4.7	3.7	N/A	4.3
Progressive	4.3	3.9	3.6	4.2
Geico	4	3.7	N/A	4
AAA	4	3.7	N/A	4.7
State Farm	3.2	2.7	N/A	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Las Vegas

Nevada law requires drivers to purchase liability coverage that meets or exceeds stated converge minimums. But many Las Vegas drivers choose to purchase

for better protection.

Cheap minimum liability insurance quotes in Las Vegas

Nevada’s minimum car insurance requirements

include the following coverage limits:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$20,000

property damage liability

per accident

These minimums are often described as 25/50/20 coverage.

Flora (53 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89131)

Nissan Rogue S

$164

per month

Travelers

Julia (47 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89107)

Jeep Patriot Sport

$134

per month

Genevieve (39 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89128)

Volkswagen Passat GLS

$112

per month

Lower my car insurance too!

Elijah (51 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89145)

Ford F150 Supercrew

$130

per month

Gainsco

Stella (58 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89121)

Ford Focus LX

$86

per month

Do you need more than minimum coverage in Las Vegas?

If you cause an accident, bodily injury and property damages can quickly exceed Nevada’s 25/50/20 state-mandated limits. Most Las Vegas drivers actually need more than just minimum coverage to protect them from potential lawsuits.

Remember,

Nevada car insurance

laws state drivers can claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident. Once you factor in non-economic damages, it’s unlikely state-minimum coverage will pay for all expenses you’re responsible for if you cause a serious accident.

The bottom line: Drivers in Las Vegas should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.

Cheap full coverage car insurance quotes in Las Vegas

Purchasing a full-coverage auto insurance policy is a simple way to protect yourself from potential out-of-pocket costs and lawsuits following an accident. Most full-coverage policies include not only the increased liability limits you need but also physical damage protection—comprehensive and collision coverage—to pay for repairs to your own vehicle.

Collision insurance

pays for damages to your vehicle resulting from collisions with other vehicles or objects

Comprehensive insurance

pays for non-collision incidents, such as theft, vandalism, and weather damage, as well as damage caused by collisions with animals

If you’re leasing or financing your vehicle, your lender will require you to purchase full coverage, and leased vehicles are usually required to have increased liability coverage as well.

Keep in mind: Both collision and comprehensive coverage are subject to deductibles—amounts you must pay before your insurer will begin covering repairs. Choosing a higher deductible is a simple way to keep your rates low but be sure you select an amount you can afford to pay in the event of an accident.

As you might expect, a full-coverage policy will cost more than minimum coverage, but it’s likely more affordable than you might think. Take a look at the rates these Las Vegas drivers found by shopping with Jerry.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$231	Delia, 29 Zip: 89129	Honda Civic EX
• State Minimum Liability • Comp / Collision	Nationwide	$166	Ronald, 40 Zip: 89141	Jeep Compass Latitude
• State Minimum Liability • Comp / Collision	Safeco	$208	Dustin, 51 Zip: 89122	Dodge Charger R/T 392
• 50,000/100,000 Liability • Comp / Collision	Travelers	$134	Lora, 40 Zip: 89183	Jeep Patriot Limited
• State Minimum Liability • Comp / Collision	Mercury	$149	Angel, 63 Zip: 89148	Nissan Murano S

Last Updated Apr 15, 2024

Comparing car insurance rates online is the easiest and fastest way to find the cheapest car insurance in Las Vegas—and Jerry makes it even simpler..

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Average cost of car insurance in Las Vegas

Las Vegas drivers pay an average of $262 per month or $3,146 annually for full coverage. Minimum coverage in Las Vegas costs an average of $125 monthly and $1,500 per year.

These rates are higher than both the Nevada state and overall national average, but keep in mind that these are just averages—each driver’s insurance premiums are determined by numerous highly individualized factors like driving history, selected coverage options, claims history, age, vehicle type, and even ZIP code. For example, North Las Vegas drivers and those living near Nellis Air Force Base typically see slightly higher rates than this average.

Average cost of car insurance in Las Vegas by zip code

Car insurance costs in Las Vegas can vary greatly by ZIP code since some areas of the city experience higher rates of property crime than others. Living in these neighborhoods or in areas notorious for accidents could lead to higher insurance premiums.

To see how your ZIP code could affect your Las Vegas insurance rates, check out the table below.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
89101	$170	$299
89102	$160	$252
89103	$186	$265
89104	$195	$297
89106	$186	$356
89108	$194	$272
89113	$180	$286
89115	$184	$312
89117	$189	$287
89118	$155	$299
89119	$168	$265
89123	$139	$244
89128	$159	$284
89129	$164	$226
89131	$114	$268
89139	$136	$272
89148	$184	$249
89149	$195	$227
89178	$152	$234
89183	$149	$327

Compare car insurance costs in other states

California car insurance

Utah car insurance

Idaho car insurance

Oregon car insurance

Arizona car insurance

Wyoming car insurance

Colorado car insurance

Montana car insurance

Car insurance quotes in Las Vegas by rating factors

Your ZIP code is only one of the factors auto insurance companies use when

calculating your auto insurance premium

. In addition, your provider will consider:

Your driving record and claims history: Drivers with a track record of accidents or violations generally see higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence your insurance costs.

Your mileage: High annual mileage means more chances you could get into an accident, which equals higher rates.

The make/model of your car: More expensive vehicles, like luxury cars and high-performance vehicles, typically cost more to repair or replace, which is why they’re often more expensive to insure.

Your credit score: Good credit scores are generally associated with lower insurance rates, while those with poor credit will likely see higher premiums for identical coverage.

How do different factors impact your car insurance costs in Las Vegas?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Las Vegas:

Cheap car insurance quotes in Las Vegas after driving violations

Driver violation points

can affect both your insurance rates and your approval. Drivers with excessive points on their record will be considered

high-risk

and may have difficulty finding providers that will offer coverage—especially if your record includes major violations, like a DUI or

reckless driving

Here’s how to find cheap car insurance in Las Vegas with driving violations on your record.

Cheapest car insurance in Las Vegas after speeding ticket

While no

speeding ticket

ever looks good on your driving record, Nevada penalizes drivers based on the number of miles over the limit you’re traveling and whether you have any prior offenses. But no matter how fast you're going, you’ll see at least one point added to your

Nevada driving record

, and that could result in increased insurance rates.

Whether you’re a first-time speeder or a repeat offender, Jerry helps drivers in Las Vegas find affordable coverage with reputable insurance companies.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$318	Cornelia, 35 Zip: 89145	Ford Explorer XLT	• State Minimum Liability • Comp / Collision
Speeding 6-10	Safeco	$295	Sarah, 28 Zip: 89129	Nissan Altima 2.5	• State Minimum Liability • Comp / Collision
Speeding 16-20	Progressive	$258	Flora, 23 Zip: 89102	Toyota Camry LE	• State Minimum Liability • Comp / Collision

Last Updated Apr 16, 2024

Cheapest car insurance in Las Vegas after DUI

Nevada DUI laws

are strict and a conviction will lead not only to fines, points on your driving record, potential jail time, and more—plus increased insurance rates.

On average, Las Vegas drivers with a DUI pay 56% higher premiums for car insurance than drivers with no DUI convictions.

Luckily, Jerry can help you find affordable coverage even after a major conviction, like a DUI.

Kyle (27 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89178)

Nissan Altima

$151

per month

Lou (32 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89139)

Hyundai Elantra GLS

$224

per month

Mercury

Glen (30 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89166)

Mazda Speed 3

$92

per month

Mary (44 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89122)

Hyundai Sonata Sport

$211

per month

Cheapest car insurance in Las Vegas after an at-fault accident

Insurers love a clean driving record since safe drivers are also less likely to file a claim—especially for an at-fault accident. But even if you don’t have any speeding tickets, DUIs, or other moving violations on your driving record, you could see a rate increase after a claim—especially if that claim is associated with an at-fault accident.

But it’s not all bad news. Work to eliminate the accidents on your record (and don’t add any new accidents or violations) while Jerry helps you find an affordable policy in the meantime.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$123	Isaac, 56 Zip: 89123	Jeep Liberty Sport	• State Minimum Liability
At Fault With No Injury	Safeco	$219	Rhoda, 30 Zip: 89129	Volkswagen Jetta S	• State Minimum Liability • Comp / Collision
Not At Fault	Nationwide	$201	Lelia, 45 Zip: 89122	Volkswagen Tiguan S	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$278	Joshua, 28 Zip: 89148	Volkswagen GTI	• 50,000/100,000 Liability • Comp / Collision

Last Updated Apr 16, 2024

Cheapest car insurance in Las Vegas after other driving violations

Major violations like DUIs, high-speed tickets, and at-fault accidents can do a real number on your insurance costs—but they’re not the only violations that can lead to increased premiums. Driving without a license or insurance, rolling through a stop sign, and improper lane changes are just a few of the additional violations that can result in higher insurance rates.

If you’ve been cited with any of these violations, Jerry can still help you find affordable rates in Las Vegas.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$190	John, 40 Zip: 89119	Volkswagen Jetta SEL	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Safeco	$200	Aiden, 31 Zip: 89147	Nissan Rogue S	• State Minimum Liability • Comp / Collision
Cell Phone	Progressive	$310	Ricky, 36 Zip: 89115	Nissan Rogue S	• State Minimum Liability
Careless Driving	Dairyland	$300	Agnes, 54 Zip: 89119	Hyundai Elantra SE	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Kemper	$173	Lillian, 38 Zip: 89110	Jeep Grand Cherokee Limited	• State Minimum Liability
Failure to Obey Signal	Bristol West	$160	Willie, 30 Zip: 89121	KIA Optima LX	• 15,000/30,000 Liability
Improper Passing	Mercury	$198	Betty, 46 Zip: 89148	Nissan Rogue S	• State Minimum Liability • Comp / Collision

Last Updated Apr 15, 2024

Cheap car insurance quotes in Las Vegas by age

While we can work to maintain a clean driving record, we can’t control how our age affects our insurance premiums. No matter where you live, drivers under 25 pay some of the highest premiums for car insurance thanks to their lack of driving experience.

Once you hit 25, and barring any major violations, you should start to see your rates steadily decline year-to-year. But you can also expect a slight increase in your mid-70s.

Nationwide and Allstate tend to be two of the cheapest car insurance companies for teens and seniors living in Las Vegas, but they’re not the only providers offering competitive rates.

Cheapest car insurance in Las Vegas for young drivers

Sixteen to 19-year-old drivers—as well as new drivers of any age—pay the highest rates for car insurance of any age group in Las Vegas since their lack of driving experience places them at a higher risk for car accidents.

Despite higher overall premiums, you should still consider a full-coverage policy if you’re a young or new driver in Las Vegas. Full coverage policies offer the added financial protection you’ll need if you’re involved in a crash.

Delia (29 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Honda Civic EX

$231

per month

Francis (25 years old)

Coverage

State Minimum

Chevrolet Camaro LS

$235

per month

Ronald (40 years old)

Coverage

State Minimum

Jeep Compass Latitude

$166

per month

Elijah (51 years old)

Coverage

State Minimum

Ford F150 Supercrew

$130

per month

Franklin (27 years old)

Coverage

State Minimum

The best cheap car insurance for teen drivers

Toyota Corolla SE

$392

per month

MORE:

Cheapest car insurance in Las Vegas for senior drivers

Most senior drivers have an abundance of on-road driving experience, so you might expect them to see the lowest rates. But a higher risk of injury, high-cost medical expenses following an injury, and slowed reflexes result in increased risk and increased rates.

Claudia (74 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89108)

Jeep Compass Latitude

$205

per month

Gertrude (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89104)

Toyota Camry L

$231

per month

Vincent (76 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89135)

Audi A5 Prestige

$106

per month

The best car insurance for seniors

Cora (67 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89101)

Chevrolet HHR LT

$171

per month

Mercury

Jane (67 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89148)

Saab 9-3 Linear

$102

per month

MORE:

Cheap car insurance quotes in Las Vegas based on insurance history

Like your driving and claims history, your insurance history plays a significant role in helping providers determine your insurance rates. Specifically, insurance companies look both at how long you’ve been insured and whether you’ve had any

lapses in coverage

when calculating your premiums.

Drivers with a lapse in coverage usually see higher rates, which is why it’s important to maintain adequate coverage continuously. The good news is that even with a coverage lapse or a short coverage history, Jerry can help you find affordable auto insurance rates.

Iva (29 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89129)

Honda Civic EX

$231

per month

Miguel (25 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89128)

Chevrolet Camaro LS

$235

per month

Travelers

Gavin (40 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89183)

Jeep Patriot Limited

$134

per month

Ollie (40 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89141)

Jeep Compass Latitude

$166

per month

How to get car insurance before buying a car

Georgia (27 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89146)

Toyota Corolla SE

$392

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Switching to National General was SO easy and it saved me over $100/month!

Courtney

Got a decent rate for my Tesla Model S from Travelers.

Kishore

Grateful for this app and helping me save money!

Aaron

They were affordable and great very personable and reasonable.

Audrey

Cheap car insurance quotes in Las Vegas for drivers with bad credit

Having a

low credit score

doesn’t necessarily mean you’re an unsafe driver—but since insurers have seen a correlation between bad credit and a high probability of filing claims, it could still lead to higher rates.

This is why drivers with “bad credit” often pay more for a policy with the same coverage levels as a driver with “good credit.” According to our data, drivers with credit scores below 550 typically pay about 20% more for Las Vegas car insurance than drivers with scores of 750 or above.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$423	Billy, 19 Zip: 89108	Honda Civic LX	• State Minimum Liability
660 - 750	Safeco	$208	Lucille, 51 Zip: 89122	Dodge Charger R/T 392	• State Minimum Liability • Comp / Collision
660 - 750	Bristol West	$272	Jared, 27 Zip: 89129	Jaguar XF	• State Minimum Liability
550 - 659	Allstate	$201	Willie, 26 Zip: 89178	Honda Civic LX	• State Minimum Liability • Comp / Collision
< 550	Safeco	$130	Ruby, 28 Zip: 89119	GEO Metro	• State Minimum Liability

Last Updated Apr 13, 2024

Cheap car insurance quotes in Las Vegas for popular cars

Of course, the type of car you drive also affects your insurance costs. Potential providers will look at your vehicle’s reliability and safety ratings, potential repair or replacement costs, and other factors when generating quotes.

Typically, safer and more reliable vehicles tend to see the cheapest rates for liability coverage—but high-tech safety features can be expensive to repair or replace, which is why these same cars, and high-priced vehicles, may not see the best rates for physical damage policies.

In Las Vegas, these are some of the most popular and affordable models to insure:

Honda Accord

Ford F-150

Toyota RAV4

Check out real quotes drivers found with some of the most popular cars in the state.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Accord LXI	Progressive	$107	Henry, 40 Zip: 89129	• State Minimum Liability
Toyota RAV4 XLE	Mercury	$123	Cody, 53 Zip: 89147	• State Minimum Liability • Comp / Collision

Last Updated Apr 13, 2024

MORE:

How to lower car insurance costs in Las Vegas

1. Shop around and compare quotes

Comparison shopping is one of the best strategies to use when searching for lower car insurance rates. Each provider uses its own algorithms to determine insurance premiums, so comparing at least three companies and shopping for new rates every six months will help you maintain the most affordable prices for coverage.

Jerry makes this otherwise tedious process simple. In just 45 seconds, Jerry can collect quotes from over 55 top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Car insurance discounts

are a key component of an affordable car insurance policy, but not all providers offer the same ones. Common discounts include:

Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period. So, safe driving can lead to lower overall rates, plus added discounts.

Telematics discounts. Many insurers offer discounts to drivers who track their driving with telematics apps or devices. The safer you drive, the cheaper your coverage.

Good student discounts. Providers often offer discounts to full-time students who maintain a B average or better, making those otherwise high young-driver policies more affordable.

Bundling discounts. Most of us need more than one type of insurance, and providers usually offer a discount to drivers who

bundle home and auto

(or renters insurance and auto coverage) with the same provider.

3. Increase your deductible for comprehensive and collision coverage

Drivers who opt for full-coverage policies can reduce their rates by choosing a higher deductible. Just be sure you select an amount you can comfortably afford in the event of an accident.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Las Vegas?

Las Vegas drivers pay an average of $262 per month or $3,146 annually for full coverage. Minimum coverage in Las Vegas costs an average of $125 monthly and $1,500 per year.

With car insurance though, there’s no such thing as average for everyone. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance.

Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the best car insurance in Las Vegas?

There’s more to car insurance than just the cost—you should also consider customer service. Las Vegas auto owners gave high ratings to

, USAA, Allstate, and Safe Auto.

With Jerry, you can view real ratings from Las Vegas drivers, plus get free quotes in seconds.

What is the cheapest car insurance in Las Vegas?

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Las Vegas?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.