Cheapest car insurance in Las Vegas, New Mexico (Oct 2024)

property damage liability

Popularity may vary based on individual preferences, coverage needs, and specific circumstances. It is always recommended to compare quotes and policies from multiple insurance providers to find the best fit for your needs.

The table below shows how drivers in Las Vegas rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Allstate	4.7	4.3	N/A	4.7
Progressive	4.4	3.9	4.7	4.4
State Farm	3	N/A	N/A

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

Like most states, New Mexico has minimum

liability insurance

requirements that you must meet before hitting the road. Purchasing additional coverage is advisable to ensure you’re financially protected in all situations.

Cheap minimum liability insurance quotes in Las Vegas

In Las Vegas, the minimum car insurance requirements include:

$25,000 for

bodily injury liability

per person

$50,000 for bodily injury liability per accident

$10,000 for

per accident

Drivers take advantage of the Jerry app to secure affordable minimum liability plans.

Bradley (22 years old)

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Hyundai Elantra SEL

$89

per month

Gainsco

David (40 years old)

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Honda Civic EX

$77

per month

New Mexico insurance laws

Billy (24 years old)

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Ford Mustang

$90

per month

Do you need more than minimum coverage in Las Vegas?

Many Las Vegas drivers prefer higher coverage limits than required by

to get better financial protection in case of an accident. Consult with an insurance professional to determine the appropriate coverage for your specific situation.

The bottom line: Insurance experts generally recommend purchasing at least 100/300/100 liability coverage for optimal protection—or full coverage for even better protection.

Cheap full coverage car insurance quotes in Las Vegas

Full coverage car insurance is highly recommended for Las Vegas drivers—and it’s typically required when you’re

buying insurance for a financed vehicle

Comprehensive

and

collision coverage

are included in a full coverage insurance policy.

Collision coverage helps cover the costs of repairing or replacing your vehicle if it's damaged in an accident

Comprehensive coverage provides protection for damages caused by events like vandalism, environmental factors, and even theft

Jerry can help you find full coverage policies that won’t break the bank.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$89	Bradley, 22 Zip: 87701	Hyundai Elantra SEL
• 100,000/300,000 Liability • Comp / Collision	Travelers	$127	Cameron, 54 Zip: 87701	Chevrolet Silverado K1500 LT

Last Updated Oct 7, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

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a top insurance agency

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Lower my car insurance too!

Average cost of car insurance in Las Vegas

Las Vegas drivers pay an average of $770 for minimum coverage and $1,691 for full coverage car insurance per year. That translates to just under $64 a month for a liability only policy, and about $141 a month for full coverage in Las Vegas.

Although average Las Vegas insurance rates can provide a general estimation of your insurance costs, premiums are influenced by several individual factors—the type of vehicle, driving record, claims history, and demographic information, for example. As a result, the actual insurance expenses for each Las Vegas driver can vary significantly.

Compare car insurance costs in other states

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Arizona car insurance

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Utah car insurance

Oklahoma car insurance

Kansas car insurance

Nebraska car insurance

Wyoming car insurance

Car insurance quotes in Las Vegas by rating factors

Insurance companies in Las Vegas use many rating factors when

calculating your auto insurance premium

Your driving record and claims history: Your driving history, including accidents, traffic violations, and claims, can impact your insurance rates. A clean driving record generally leads to lower premiums.

Your age: Drivers younger than 25 years old will pay higher insurance rates in Las Vegas since insurance companies consider young drivers a higher risk due to limited driving experience.

The kind of car you have: The make, model, and year of your vehicle can affect insurance rates. Expensive and high-performance cars tend to have higher premiums.

Where you keep your car: Where you live and park your vehicle in Las Vegas can affect your rates. Areas with higher crime rates or higher traffic congestion may have higher insurance premiums.

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

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

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

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

Cheap car insurance quotes in Las Vegas after driving violations

Your driving record plays a vital role in determining the quotes for your car insurance. When insurance companies observe a history of violations, they perceive you as a

high-risk driver

, which can result in increased insurance premiums being charged to you.

Cheapest car insurance in Las Vegas after speeding ticket

Las Vegas laws generally classify speeding violations in various levels:

1-5 MPH over the limit

6-10 MPH over the limit

11-15 MPH over the limit

16-20 MPH over the limit,

21 MPH or more over the limit

Although a

speeding ticket

is likely to increase your Las Vegas car insurance premiums, Jerry is a useful resource for keeping costs as affordable as possible.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$45	Johnny, 40 Zip: 87701	Saturn SKY	• 50,000/100,000 Liability • Comp / Collision
Speeding 6-10	AAA	$69	Alvin, 39 Zip: 87701	Mini Cooper	• State Minimum Liability

Last Updated Oct 5, 2024

Cheapest car insurance in Las Vegas after DUI

In Las Vegas,

DUI violations

generally result in a significant rise in car insurance rates compared to other violations. After a DUI, it is often necessary to compare rates from multiple insurance providers to find the most affordable options.

Allstate

Inez (30 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Las Vegas, NM
(Zip Code: 87701)

Subaru Forester

$59

per month

Nationwide

Nicholas (30 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Las Vegas, NM
(Zip Code: 87701)

Ford Explorer

$60

per month

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

Your car accident and claims history will have a significant impact on your car insurance premium.

Insurance providers thoroughly examine your previous at-fault accidents to evaluate the level of risk you pose as an insured driver. If you have recently been involved in an at-fault accident, there is a possibility that your car insurance rates may see a significant increase.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$91	Michael, 26 Zip: 87701	Dodge Durango SLT	• State Minimum Liability
Not At Fault	Travelers	$127	Lillian, 53 Zip: 87701	Chevrolet Silverado K1500 LT	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Progressive	$91	Timothy, 26 Zip: 87701	Dodge Durango SLT	• State Minimum Liability

Last Updated Oct 6, 2024

Cheapest car insurance in Las Vegas after other driving violations

Apart from speeding tickets and DUIs, violations such as

reckless driving

and driving with a suspended license can also result in increased car insurance costs in {city}.

Jerry has helped Las Vegas drivers find cheap auto insurance after varoius offenses.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Failure to Yield	Progressive	$109	Christopher, 26 Zip: 87701	Ford Fiesta SE	• State Minimum Liability • Comp / Collision
Failure to Yield	Progressive	$109	Maud, 26 Zip: 87701	Ford Fiesta SE	• State Minimum Liability • Comp / Collision

Last Updated Oct 7, 2024

Cheap car insurance quotes in Las Vegas by age

In Las Vegas, young drivers and those with permits or other types of

provisional licenses

typically encounter considerably high insurance rates due to their limited driving experience. Rates tend to fall after the age of 25 before increasing again after the age of 70.

Cheapest car insurance in Las Vegas for young drivers

In Las Vegas, teen drivers aged 16 to 19 tend to experience the highest insurance rates compared to other age groups.

For teenage drivers in Las Vegas who own newer vehicles, higher minimum coverage levels and/or full coverage insurance are recommended. This suggestion is based on the higher probability of teenagers being involved in accidents compared to other age groups. Full coverage insurance offers increased financial protection in such circumstances.

Bradley (22 years old)

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Hyundai Elantra SEL

$89

per month

car insurance rates for seniors

Billy (24 years old)

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Ford Mustang

$90

per month

Cheapest car insurance in Las Vegas for senior drivers

Average premiums in Las Vegas often tend to increase once a driver reaches their mid-70s. Older drivers have a higher vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Since insurance companies incur significant medical expenses and higher costs,

are higher.

a gap in insurance coverage

George (65 years old)

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Lexus IS 300

$73

per month

Cheap car insurance quotes in Las Vegas based on insurance history

Your insurance history is a significant factor in determining your car insurance rates.

Typically, drivers with

will face higher insurance rates. To support Las Vegas customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders for upcoming and late payments.

Jerry has helped many Las Vegas customers who are currently uninsured or have experienced coverage lapses to secure new affordable policies.

Owen (42 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Jeep Grand Cherokee Laredo

$97

per month

Peter (53 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NM
(Zip Code: 87701)

Chevrolet Silverado K1500 LT

$127

per month

Gainsco

Alta (40 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Honda Civic EX

$77

per month

Lela (42 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

Jeep Grand Cherokee Laredo

$97

per month

Elmer (53 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NM
(Zip Code: 87701)

Chevrolet Silverado K1500 LT

$127

per month

Over 4,000,000 customers and counting

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

Las Vegas drivers with lower credit scores typically experience higher insurance costs compared to those with higher credit ratings—even though

credit scores

do not directly reflect driving proficiency. That’s because insurance companies have observed a correlation between bad credit and an increased frequency of filed claims by drivers.

Nationwide, the average car insurance premium for individuals in the highest credit bracket (above 750) is roughly 20% higher than the average cost for individuals in the lowest credit bracket (with scores below 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$108	Lily, 45 Zip: 87701	Chevrolet Tahoe C1500 LT	• State Minimum Liability • Comp / Collision
660 - 750	Progressive	$108	Viola, 45 Zip: 87701	Chevrolet Tahoe C1500 LT	• State Minimum Liability • Comp / Collision
550 - 659	Gainsco	$77	Maud, 40 Zip: 87701	Honda Civic EX	• State Minimum Liability
< 550	Progressive	$117	Marion, 38 Zip: 87701	Jeep Grand Cherokee Limited	• State Minimum Liability • Comp / Collision

Last Updated Oct 7, 2024

Cheap car insurance quotes in Las Vegas for popular cars

The car, SUV, or truck you drive on the streets of Las Vegas plays a crucial role in determining your car insurance premiums. Various factors related to the type of car influence insurance costs, such as repair or replacement expenses, the risk of theft, and the overall safety performance of the vehicle.

Popular makes and models for Las Vegas drivers looking to save money include:

Honda Civic

Nissan Rogue

Ford Bronco

Chevrolet Silverado 1500

Toyota Corolla

MORE: How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Civic EX	Gainsco	$77	Phillip, 40 Zip: 87701	• State Minimum Liability

Last Updated Oct 7, 2024

Cheapest car insurance in Las Vegas for new vs. old car

For Las Vegas drivers, insuring a brand new car tends to be more expensive than insuring an older or used car. We have found that the average insurance cost for a car older than 10 years is -- per month, while cars less than four years old cost less.

Amelia (43 years old)

2019 Jeep Grand Cherokee Laredo

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

$97

per month

Cameron (54 years old)

2014 Chevrolet Silverado K1500 LT

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NM
(Zip Code: 87701)

$127

per month

Gainsco

David (40 years old)

2001 Honda Civic EX

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

$77

per month

Compare car insurance quotes now

Billy (24 years old)

2005 Ford Mustang

Coverage

State Minimum

Las Vegas, NM
(Zip Code: 87701)

$90

per month

How to lower car insurance costs in Las Vegas

1. Shop around and compare quotes

Shopping for insurance is way less fun than shopping for groceries—but at least it can be done quickly, with help from a comparison app. Every company has its own formula for calculating rates, so it’s a good idea to get quotes from multiple companies to find the best possible rate.

Jerry

is a free comparison app that pulls quotes from top insurance providers so you can compare them side-by-side. No gimmicks! Compare prices, adjust coverage until you’re happy, and then tap to sign up.

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts for Las Vegas drivers include:

Good driver discounts. If you have avoided at-fault accidents and you don’t have any (or many) points on your driver’s license, you may qualify for a small safe driver discount.

Telematics discounts. Telematics programs track your driving behavior and report back to the company. Good driving behavior earns rewards! You can usually get a discount just for signing up, too.

Good student discounts. Full-time students in Las Vegas—that’s high school or college—can usually unlock a discount for earning at least a B average. Prepare to show proof of enrollment and proof of grade point average.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance in Las Vegas, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Las Vegas so expensive?

High rate of uninsured drivers: New Mexico has one of the highest rates of uninsured drivers in the United States. It’s unclear how many of them are located in Las Vegas, but you do run the risk of getting into an accident with one of them. This can drive up insurance costs.

Frequency of accidents: Las Vegasexperiences a lot of traffic accidents and claims. This could be due to various factors, such as road conditions, weather conditions, and driver behavior. Insurance companies factor in the risk of accidents when determining premiums, so higher accident rates can lead to higher insurance costs.

FAQ

How much is car insurance in Las Vegas?

People living in Las Vegas pay on average $64 per month – or $770 per year – on state-minimum liability coverage. Full coverage in Las Vegas costs on average $141 per month of $1,691 per year.

With car insurance though, there’s no such thing as average. 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 cheapest car insurance in Las Vegas?

Based on thousands of Las Vegas drivers Jerry has worked with, car insurance in Las Vegas costs an average of $64 per month for state-minimum coverage and $141 per month for full coverage.

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.

Dairyland

, and