Cheap Car Insurance in Las Vegas (Jan 2025)

, and

full-coverage auto insurance

dominate the insurance market in Las Vegas—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.

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

Best cheap car insurance quotes in Las Vegas

All drivers in Las Vegas must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase

for better protection.

Cheap minimum liability insurance quotes in Las Vegas

Nevada’s minimum car insurance requirements

follow a 25/50/20 pattern. Here’s a breakdown of what every Las Vegas driver must have:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$20,000

property damage liability

per accident

Stanley (53 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89183)

Pontiac Grand Prix SE

$73

per month

Nevada's car insurance laws

Frederick (41 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89141)

Jeep Compass Latitude

$166

per month

Travelers

Isaac (63 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89103)

Honda Civic EX

$63

per month

AAA

Clara (34 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89108)

Chevrolet Cruze LS

$179

per month

Mercury

Flora (64 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89148)

Nissan Murano S

$149

per month

Do you need more than minimum coverage in Las Vegas?

In Las Vegas, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.

If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.

Remember,

allow Las Vegas drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.

Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Las Vegas.

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

Cheap full coverage car insurance quotes in Las Vegas

Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Las Vegas!

If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus

comprehensive

and

collision coverage

Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects

Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object

And if you’re financing or

leasing a car

, your lender will require this.

Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.

While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Las Vegas for the coverage you want.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$156	Devin, 50 Zip: 89118	Ford F-150 Supercrew
• State Minimum Liability • Comp / Collision	Nationwide	$166	Frederick, 41 Zip: 89141	Jeep Compass Latitude
• State Minimum Liability • Comp / Collision	AAA	$179	Clara, 34 Zip: 89108	Chevrolet Cruze LS
• 50,000/100,000 Liability • Comp / Collision	Travelers	$134	Birdie, 41 Zip: 89183	Jeep Patriot Limited
• State Minimum Liability • Comp / Collision	Mercury	$149	Flora, 64 Zip: 89148	Nissan Murano S

Last Updated Jan 27, 2025

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

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.

Average cost of car insurance in Las Vegas

After analyzing scores of insurance providers in Las Vegas, we have discovered that the average price for minimum liability coverage amounts to be $212 per month or $2,542 per year. Additionally, residents of Las Vegas can expect to pay an average of $275 per month or $3,298 per year for full coverage insurance.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$141	$1,693
Full coverage	$262	$3,140

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Las Vegas by zip code

The cost of car insurance in Las Vegas can greatly differ depending on your specific zip code. Each individual zip code within Las Vegas has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

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

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Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Car insurance quotes in Las Vegas by rating factors

Insurance companies in Las Vegas use many rating factors when

deciding your auto insurance premium

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

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even 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 abut the car insurance rating factors in Las Vegas:

Cheap car insurance quotes in Las Vegas after driving violations

Driver violation points have a significant impact on car insurance rates

—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure

high-risk drivers

in Las Vegas. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big 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

If you’re a Las Vegas driver who has received a

speeding ticket

, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.

Here’s what we mean:

The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.

5 mph over the speed limit: $100 fine + 1 point added

10 mph over the speed limit: $200 fine + 2 points added

15 mph over the speed limit: $300 fine + 2 points added

20 mph over the speed limit: $400 fine + 3 points added

21+ mph over the speed limit: $420+ fine + 4 points added

That said, the amount of your fine will depend on several factors, including:

Any previous speeding tickets

Where you were speeding (work or school zone)

How fast you were going

Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.

The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.

Regardless of the violation, Jerry helps Las Vegas drivers find affordable rates with great insurance companies.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$318	Lucas, 35 Zip: 89145	Ford Explorer XLT	• State Minimum Liability • Comp / Collision
Speeding 11-15	Bristol West	$289	Marian, 27 Zip: 89156	Nissan Altima 2.5	• State Minimum Liability • Comp / Collision
Speeding 16-20	Safeco	$250	Nannie, 37 Zip: 89115	Nissan Rogue S	• State Minimum Liability

Last Updated Jan 24, 2025

Cheapest car insurance in Las Vegas after DUI

In Las Vegas, you’re subject to

Nevada DUI laws

, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.

If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.

Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.

On average, drivers with a DUI pay 56% more for car insurance than drivers without one.

Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Las Vegas drivers with major convictions land affordable insurance.

Lula (33 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89141)

Tesla Model 3

$66

per month

keep a clean driving record

Leila (33 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89139)

Hyundai Elantra GLS

$224

per month

Bristol West

Mina (31 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Las Vegas, NV
(Zip Code: 89104)

Honda Civic Sport

$204

per month

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

A clean driving record is one of the best things a Las Vegas driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim.

If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.

But it’s not all bad news—work to eliminate the accidents on your record (and

in the meantime) while Jerry helps you find an affordable policy.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$123	Millie, 56 Zip: 89123	Jeep Liberty Sport	• State Minimum Liability
At Fault With No Injury	Nationwide	$181	Rosa, 29 Zip: 89148	Volkswagen GTI	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Safeco	$210	Christopher, 37 Zip: 89149	Porsche Cayenne	• State Minimum Liability • Comp / Collision
	Allstate	$235	Leona, 26 Zip: 89128	Chevrolet Camaro LS	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Las Vegas after other driving violations

As a Las Vegas driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.

If you’ve landed yourself one 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	Lula, 40 Zip: 89119	Volkswagen Jetta SEL	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Safeco	$200	Trevor, 32 Zip: 89147	Nissan Rogue S	• State Minimum Liability • Comp / Collision
Cell Phone	Mendota	$467	Cameron, 28 Zip: 89130	Hyundai Sonata ECO	• State Minimum Liability • Comp / Collision
Careless Driving	Bristol West	$111	Leonard, 40 Zip: 89139	Toyota Scion TC	• No Coverage Liability
Driving on Sus. License	Mercury	$90	Elizabeth, 45 Zip: 89128	Subaru Crosstrek Premium	• State Minimum Liability • Comp / Collision
Failure to Yield	Mercury	$149	Dylan, 29 Zip: 89169	Nissan Versa S	• State Minimum Liability
Improper Passing	Safeco	$261	Clarence, 27 Zip: 89178	BMW 320 i	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheap car insurance quotes in Las Vegas by age

In Las Vegas, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

For teens and seniors in Las Vegas, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Las Vegas for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Las Vegas. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.

If you’re a new driver in Las Vegas without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash.

Sally (20 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89113)

Honda CR-V EX-L

$296

per month

best car insurance for seniors

Bernice (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89104)

Lexus GS 200T

$568

per month

Safeco

Winnie (24 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89142)

Ford Fusion SE

$244

per month

Clearcover

Troy (24 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89108)

Honda CR-V EXL

$171

per month

National General

Eugene (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Las Vegas, NV
(Zip Code: 89169)

Lexus ES 350

$61

per month

Cheapest car insurance in Las Vegas for senior drivers

On the other end of the spectrum, we have Las Vegas drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.

GEICO

seems to lead the race for the

in Las Vegas, but using a comparison app to check out other quotes is still a good idea.

Dennis (76 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89135)

Buick Encore Preferred

$219

per month

Ralph (69 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

Jonathan (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89113)

Chevrolet Avalanche LS

$147

per month

Safeco

Erik (73 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89123)

Toyota Scion XB

$161

per month

Bristol West

Barbara (68 years old)

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89139)

Nissan Sentra S

$412

per month

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Cheap car insurance quotes in Las Vegas based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Edith (25 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89128)

Fiat 500 POP

$88

per month

AAA

Sean (34 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89108)

Chevrolet Cruze LS

$179

per month

Travelers

Anthony (41 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

How to get car insurance before buying a car

Leona (26 years old)

Currently Insured

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89128)

Chevrolet Camaro LS

$235

per month

Clearcover

Susan (70 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89113)

Chevrolet Avalanche LS

$149

per month

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

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$88	Edith, 25 Zip: 89128	Fiat 500 POP	• State Minimum Liability
660 - 750	Safeco	$208	Jon, 51 Zip: 89122	Dodge Charger R/T 392	• State Minimum Liability • Comp / Collision
660 - 750	Allstate	$168	Alejandro, 35 Zip: 89103	Lexus IS 300	• State Minimum Liability • Comp / Collision
550 - 659	Travelers	$184	Adelaide, 33 Zip: 89113	Jeep Cherokee Latitude Plus	• 50,000/100,000 Liability • Comp / Collision
< 550	National General	$149	Dominic, 40 Zip: 89107	Chrysler Town & Country Touring L	• 10,000/20,000 Liability

Last Updated Jan 29, 2025

Cheap car insurance quotes in Las Vegas for popular cars

The make and model of your car matter a lot to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe a Las Vegas driver’s car is, the lower the insurance cost will be.

But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.

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

Honda Accord

Ford F-150

Toyota RAV4

MORE:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Fiat 500 POP	Progressive	$88	Edith, 25 Zip: 89128	• State Minimum Liability

Last Updated Jan 30, 2025

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

The value of a car usually decreases with age, but insurance doesn’t always follow suit.

Insurance rates in Las Vegas are determined by how much an insurer would have to pay if the car was damaged or stolen, so they’ll look at things like software and added features.

Safety is also a consideration. Newer cars have more safety features that reduce the risk of a car crash—but the fancy parts on a new car can be more expensive to replace in the event of a total loss.

Stanley (53 years old)

1991 Pontiac Grand Prix SE

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89183)

$73

per month

Roxie (46 years old)

2016 Volkswagen Tiguan S

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Las Vegas, NV
(Zip Code: 89122)

$201

per month

AAA

Clara (34 years old)

2018 Chevrolet Cruze LS

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89108)

$179

per month

Compare car insurance quotes now

Philip (26 years old)

2014 Chevrolet Camaro LS

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89128)

$235

per month

Bristol West

Wesley (52 years old)

2009 Lexus RX 350

Coverage

State Minimum

Las Vegas, NV
(Zip Code: 89118)

$163

per month

National General

Sadie (37 years old)

2007 BMW X5 3.0i

Coverage

15,000 per person

30,000 per accident bodily injury

Las Vegas, NV
(Zip Code: 89113)

$64

per month

How to lower car insurance costs in Las Vegas

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 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!

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 include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

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, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Las Vegas?

People living in Las Vegas pay on average $212 per month – or $2,542 per year – on state-minimum liability coverage. Full coverage in Las Vegas costs on average $275 per month of $3,298 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 $212 per month for state-minimum coverage and $275 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.