Best Las Vegas, NV Car Insurance in 2026
Car insurance in Las Vegas, NV averages $546 a month. Las Vegas, Nevada car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Las Vegas car insurance rates, compare quotes from the top car insurance companies in Las Vegas, NV.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated December 2025
- Average car insurance rates in Las Vegas, NV are $6,549/year
- Average car insurance rates in Las Vegas, NV after a DUI are $7,835/year
- The cheapest car insurance company in Las Vegas is USAA
If you need to buy Las Vegas, Nevada car insurance, the options can be confusing. Everything you need to know about car insurance in Las Vegas, NV is right here.
You’ll find Las Vegas car insurance rates, the cheapest Las Vegas, NV car insurance companies, and information on Nevada car insurance laws. You can also compare Las Vegas, Nevada car insurance rates to North Las Vegas car insurance rates, Mesquite car insurance rates, and Reno car insurance rates.
Ready to find affordable Las Vegas, NV car insurance today? Enter your ZIP code for fast, free Las Vegas car insurance quotes.
Cheapest Las Vegas, NV Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Las Vegas, NV car insurance rates? Every Las Vegas, Nevada car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,236 | $4,182 | $3,961 | $4,181 | $14,177 | $17,070 | $4,490 | $4,691 |
| American Family | $4,278 | $4,278 | $3,819 | $3,819 | $14,474 | $18,921 | $4,278 | $4,895 |
| Farmers | $5,038 | $5,183 | $4,611 | $5,235 | $16,811 | $17,935 | $6,703 | $6,647 |
| Geico | $3,382 | $3,280 | $3,477 | $3,597 | $8,413 | $7,614 | $3,331 | $2,801 |
| Liberty Mutual | $4,176 | $4,529 | $4,194 | $4,768 | $19,663 | $21,960 | $4,691 | $4,860 |
| Nationwide | $3,157 | $3,221 | $2,876 | $3,050 | $7,971 | $9,542 | $3,779 | $4,031 |
| Progressive | $2,983 | $2,520 | $2,590 | $2,591 | $13,100 | $14,168 | $3,444 | $3,102 |
| State Farm | $4,689 | $4,689 | $4,274 | $4,274 | $14,618 | $18,719 | $5,258 | $5,849 |
| Travelers | $2,908 | $2,947 | $2,788 | $2,791 | $16,261 | $26,881 | $3,218 | $3,518 |
| USAA | $2,409 | $2,361 | $2,326 | $2,301 | $6,465 | $7,273 | $3,054 | $3,238 |
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Minimum Car Insurance in Las Vegas, NV
Every driver must carry the minimum car insurance in Las Vegas, NV. Take a look at the Nevada car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Las Vegas, NV Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Las Vegas, NV. Compare credit history car insurance rates in Las Vegas from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,346 | $6,517 | $5,507 |
| American Family | $9,050 | $6,963 | $6,023 |
| Farmers | $10,046 | $7,998 | $7,517 |
| Geico | $5,416 | $4,487 | $3,557 |
| Liberty Mutual | $12,387 | $7,544 | $5,885 |
| Nationwide | $5,556 | $4,588 | $3,966 |
| Progressive | $6,102 | $5,475 | $5,110 |
| State Farm | $14,199 | $5,608 | $3,582 |
| Travelers | $8,369 | $7,519 | $7,105 |
| USAA | $5,234 | $3,186 | $2,615 |
Cheapest Las Vegas, NV Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Las Vegas, NV to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,027 | $7,128 | $8,528 | $6,811 |
| American Family | $5,904 | $8,185 | $8,810 | $6,481 |
| Farmers | $7,081 | $9,051 | $9,428 | $8,521 |
| Geico | $3,074 | $5,039 | $6,049 | $3,786 |
| Liberty Mutual | $6,264 | $10,082 | $10,116 | $7,960 |
| Nationwide | $3,771 | $4,855 | $6,063 | $4,124 |
| Progressive | $4,615 | $6,412 | $5,830 | $5,392 |
| State Farm | $7,073 | $8,519 | $7,796 | $7,796 |
| Travelers | $5,458 | $8,172 | $10,450 | $6,576 |
| USAA | $2,778 | $3,513 | $5,282 | $3,140 |
Cheapest Las Vegas, NV Car Insurance for Teen Drivers
Teen car insurance in Las Vegas, NV can be expensive. Take a look at rates from the top car insurance companies in Las Vegas for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,177 | $17,070 |
| American Family | $14,474 | $18,921 |
| Farmers | $16,811 | $17,935 |
| Geico | $8,413 | $7,614 |
| Liberty Mutual | $19,663 | $21,960 |
| Nationwide | $7,971 | $9,542 |
| Progressive | $13,100 | $14,168 |
| State Farm | $14,618 | $18,719 |
| Travelers | $16,261 | $26,881 |
| USAA | $6,465 | $7,273 |
Cheapest Las Vegas, NV Car Insurance for Seniors
Take a look at Las Vegas, NV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,961 | $4,181 |
| American Family | $3,819 | $3,819 |
| Farmers | $4,611 | $5,235 |
| Geico | $3,477 | $3,597 |
| Liberty Mutual | $4,194 | $4,768 |
| Nationwide | $2,876 | $3,050 |
| Progressive | $2,590 | $2,591 |
| State Farm | $4,274 | $4,274 |
| Travelers | $2,788 | $2,791 |
| USAA | $2,326 | $2,301 |
Cheapest Las Vegas, NV Car Insurance Rates After a DUI
A DUI in Las Vegas, NV increases car insurance rates. Compare Las Vegas, Nevada DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $8,528 |
| American Family | $8,810 |
| Farmers | $9,428 |
| Geico | $6,049 |
| Liberty Mutual | $10,116 |
| Nationwide | $6,063 |
| Progressive | $5,830 |
| State Farm | $7,796 |
| Travelers | $10,450 |
| USAA | $5,282 |
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Cheapest Las Vegas, NV Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Las Vegas, NV by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,123 | $7,123 |
| American Family | $7,241 | $7,449 |
| Farmers | $8,520 | $8,520 |
| Geico | $4,404 | $4,570 |
| Liberty Mutual | $8,605 | $8,605 |
| Nationwide | $4,703 | $4,703 |
| Progressive | $5,562 | $5,562 |
| State Farm | $7,562 | $8,031 |
| Travelers | $7,664 | $7,664 |
| USAA | $3,630 | $3,727 |
Cheapest Las Vegas, NV Car Insurance Rates by ZIP Code
Las Vegas car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Las Vegas, NV.
| ZIP Code | Average Annual Rates |
|---|---|
| 89101 | $7,487 |
| 89102 | $7,376 |
| 89104 | $7,360 |
| 89106 | $7,374 |
| 89107 | $7,255 |
| 89108 | $6,830 |
| 89110 | $7,189 |
| 89117 | $6,861 |
| 89124 | $5,228 |
| 89128 | $6,592 |
| 89129 | $6,215 |
| 89130 | $6,440 |
| 89131 | $6,017 |
| 89134 | $6,069 |
| 89138 | $6,130 |
| 89143 | $5,908 |
| 89144 | $6,124 |
| 89145 | $6,586 |
| 89146 | $7,074 |
| 89149 | $6,034 |
| 89156 | $6,904 |
| 89158 | $6,508 |
| 89161 | $6,462 |
| 89165 | $6,119 |
| 89166 | $5,539 |
| 89179 | $6,584 |
| 89199 | $6,285 |
The Best Cheap Car Insurance Companies in Las Vegas, NV
Take a look at a side-by-side comparison of the top car insurance companies in Las Vegas, NV to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,123 |
| American Family | $7,345 |
| Farmers | $8,520 |
| Geico | $4,487 |
| Liberty Mutual | $8,605 |
| Nationwide | $4,703 |
| Progressive | $5,562 |
| State Farm | $7,796 |
| Travelers | $7,664 |
| USAA | $3,678 |
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Category Winners: Cheapest Car Insurance in Las Vegas, Nevada
Find the cheapest car insurance companies in Las Vegas, NV for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Las Vegas, NV Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Las Vegas car insurance rates. Find the cheapest Las Vegas, NV car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,922 | $7,268 | $8,179 |
| American Family | $6,906 | $7,788 | $7,342 |
| Farmers | $7,553 | $8,400 | $9,608 |
| Geico | $3,928 | $4,358 | $5,174 |
| Liberty Mutual | $7,664 | $8,475 | $9,677 |
| Nationwide | $4,547 | $4,704 | $4,859 |
| Progressive | $4,680 | $5,301 | $6,706 |
| State Farm | $7,015 | $7,764 | $8,610 |
| Travelers | $6,785 | $7,680 | $8,528 |
| USAA | $3,218 | $3,635 | $4,182 |
What affects car insurance rates in Las Vegas, Nevada?
What factors can have an impact on Las Vegas, NV car insurance? There are several reasons why Las Vegas car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Las Vegas, Nevada.
Commute Time in Las Vegas
The more time you spend in your car the higher the risk of an accident. The average commute length in Las Vegas, NV is 26.1 minutes according to City-Data.
Traffic in Las Vegas
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Las Vegas, NV traffic data from INRIX ranks Las Vegas as the 477th-most congested in the world.
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Compare Car Insurance Quotes in Las Vegas, NV
Ready to find affordable Las Vegas, Nevada car insurance today? Enter your ZIP code for fast, free Las Vegas, NV car insurance quotes.
Frequently Asked Questions
How much does car insurance in Las Vegas, NV cost?
The cost of car insurance in Las Vegas, NV can vary depending on several factors such as your age, driving record, type of vehicle, coverage options, and the insurance provider you choose. It’s best to obtain quotes from different insurance companies to get an accurate estimate based on your specific circumstances.
What are the minimum car insurance requirements in Las Vegas, NV?
In Las Vegas, NV, the minimum car insurance requirements are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
What additional coverage options should I consider for car insurance in Las Vegas, NV?
In addition to the minimum required coverage, it’s worth considering the following additional coverage options for car insurance in Las Vegas, NV:
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, or damage caused by severe weather.
- Collision Coverage: Collision coverage helps pay for repairs or replacement of your vehicle if it is damaged in a collision, regardless of fault.
- Medical Payments Coverage: This coverage helps cover medical expenses for you and your passengers in the event of an accident.
- Personal Injury Protection (PIP): PIP coverage provides broader medical coverage and additional benefits such as lost wages and funeral expenses.
Are there any discounts available for car insurance in Las Vegas, NV?
Yes, there are several discounts available for car insurance in Las Vegas, NV. Some common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record without accidents or traffic violations may make you eligible for lower premiums.
- Safety Feature Discount: Having safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems, can help lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Mature Driver Discount: Older drivers who have completed a defensive driving course may be eligible for discounted rates.
How can I find affordable car insurance in Las Vegas, NV?
To find affordable car insurance in Las Vegas, NV, consider the following tips:
- Shop Around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Maintain a Good Driving Record: Avoid accidents and traffic violations as they can result in higher insurance premiums. Practice safe driving habits and obey traffic laws.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure that you can comfortably afford the deductible amount if you need to make a claim.
- Review Coverage Regularly: Periodically review your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help save money.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any based on your circumstances. Discounts can significantly lower your insurance premiums.
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