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Why is car insurance so expensive in Las Vegas?
I just moved to Las Vegas and had to update my car insurance policy. My previous rate wasn’t crazy high, but I’m paying significantly more for the same coverage. Why are the rates in Vegas borderline outrageous?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yikes—a massive increase in your insurance premiums is never ideal! Car insurance in
Las Vegas
is expensive because of its high population density, tourists, road congestion, high crime rate, and frequent accidents.On average, residents in Las Vegas pay around $3,263 annually for car insurance, which translates to roughly $272 per month. Compared to the
Nevada
annual average of $3,001, car insurance in Las Vegas is $262 higher.Las Vegas is a major tourist hub that can have more than a million people driving at any given time—both locals and tourists. With a constant influx of tourists (more than 32 million each year), congested roadways, and a higher than average auto theft rate, it’s no wonder why car insurance rates are through the roof.
On top of that, the number of accidents, including fatal ones, is higher than the state average. Since insurance providers have to deal with more claims, they hike premiums to compensate.
You may not be able to control why insurance prices in Las Vegas are so high, but you can control how much you pay for car insurance by shopping with
Jerry
. As the #1-rated car insurance app in the App Store, Jerry scans through 55+ top insurance providers to find the coverage you need at the most affordable rate.Sign up in less than 45 seconds and browse through the most competitive quotes customized to your needs. Once you find the right policy, connect with an agent to finalize the details and cancel your existing policy. The average Jerry user saves more than $800 a year on car insurance!
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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