We usually think of Las Vegas as a tourist destination alone. People come from all over the world to see the dazzling lights and nonstop entertainment in Vegas, but living in a tourist town has its drawbacks, such as the cost of auto insurance. The huge number of cars on the road, a 24-hour lifestyle, and relaxed drinking restrictions contribute to difficult driving conditions, raising the cost of car insurance in Las Vegas. So, with a population of around 650,000, many drivers are looking for cheap insurance in Sin City.
Knowing a little about auto insurance prices in the area might be helpful whether you're looking for the best or affordable car insurance in Las Vegas. Insurers consider various factors like your age, address, vehicle type, and driving history when deciding the auto insurance cost. So, each driver will receive different car insurance quotes in Las Vegas.
Las Vegas, being the most populated city in Nevada, the drivers pay more for auto insurance than the drivers in parts of the city. As a result, the Las Vegas car insurance rates are higher than the state and national averages. So, you need to do some research before buying an auto insurance policy. Our research will help you know more about the car insurance companies in Las Vegas. Then you can choose an affordable one based on your age, driving behavior, and other factors.
The average annual car insurance premium costs you around $2652 in Las Vegas, Nevada. This rate is higher than the Texas statewide average ($1986) and the national average of $1560.
| Las Vegas (annual average) | Nevada (annual average) | United States |
|---|---|---|
| $2652 | $1986 | $1560 |
Finding cheap insurance car insurance in Las Vegas is never a big task. We will guide you in finding the best one!
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When it comes to finding the best car insurance in Las Vegas, drivers look at more than just the price. The policies and discounts offered by each organization are equally essential. In addition, a company's financial soundness rating, customer service satisfaction, and even mobile app and web accessibility are significant factors people consider.
State Farm offer the most affordable car insurance in Las Vegas. Their average annual rates are lower than the city's average rate, making it a good choice for the drivers. However, it is always best to get quotes from car insurance companies in Las Vegas before you decide on one.
| Company | Average Annual Rate |
|---|---|
| USAA | $1,003 |
| Travelers | $1,590 |
| State Farm | $2,089 |
| Allstate | $2,094 |
| Progressive | $2492 |
| Farmers | $3,044 |
| CSAA | $3,413 |
| Company | Average Annual Rate |
|---|---|
| USAA | $544 |
| Travelers | $939 |
| Allstate | $1,050 |
| State Farm | $1,154 |
| CSAA | $1,644 |
| Farmers | $1,793 |
Drivers in their 50s pay the lowest Las Vegas car insurance rates, with an average annual premium of $2,497 per year. Rates for drivers in their 60s in Las Vegas are similarly reasonably priced, at $2,530 per year. Teenage drivers pay the most for car insurance in Las Vegas as they are considered high-risk drivers. However, the rates for car insurance in Las Vegas drop significantly when they reach their twenties.
| Age group | Average Annual Rate |
|---|---|
| 20s | $3576 |
| 35s | $2637 |
| 60s | $2530 |
The marital status of a driver may greatly influence the auto insurance rates they pay in some situations. Single drivers pay more than married drivers in most parts of the country as they are more likely to submit claims. Married drivers pay $186 less than single drivers for Las Vegas car insurance rates.Insurance rates for widowed people in Las Vegas are lower than for single people.
| Marital status | Average Annual Rate |
|---|---|
| Single | $2652 |
| Married | $2466 |
| Widowed | $2602 |
| Divorced | $2652 |
Gender is another factor that can affect car insurance rates in Las Vegas. Female drivers slightly pay more than the male drivers in the city.
| Gender | Average Annual Rate |
|---|---|
| Male | $2652 |
| Female | $2826 |
The best way to save money on auto insurance is to maintain a clean driving record. DWIs, at-fault accidents, reckless driving penalties, and speeding tickets can result in the rise of auto insurance policies. Reckless driving and DUI are two of the most expensive driving offenses in Las Vegas. Compared to the citywide average, citations for reckless driving, DUI, and speeding result in a considerable increase in auto insurance rates.
| Incident | Average Annual Rate |
|---|---|
| Reckless driving | $4039 |
| DWI/DUI | $3893 |
| At-fault Accident (damages greater than $1000) | $3531 |
| At-fault Accident (damages greater than $2000) | $4197 |
| Speeding ticket | $3357 |
| Company | Average Annual Rate |
|---|---|
| USAA | $1,160 |
| Travelers | $2,042 |
| State Farm | $2,243 |
| Allstate | $2,287 |
| Farmers | $4,013 |
| CSAA | $4,403 |
| Company | Average Annual Rate |
|---|---|
| USAA | $1,380 |
| State Farm | $2,398 |
| Travelers | $2,588 |
| All St ate | $2,591 |
| Farmers | $4,296 |
| CSAA | $5,450 |
| Company | Average Annual Rate |
|---|---|
| USAA | $2,706 |
| State Farm | $2,867 |
| Allstate | $2,706 |
| Travelers | $3,300 |
| Farmers | $4,564 |
| CSAA | $4,678 |
Another important factor is the credit score. You'll get a reduction in car insurance rates if you improve your credit score from 'very poor' to 'fair' and 'exceptional.'
| Credit score | Average Annual Rate |
|---|---|
| Very poor | $4690 |
| Fair | $3174 |
| Good | $2652 |
| Very good | $2401 |
| Exceptional | $2115 |
When determining how much you pay for auto insurance, your location is important. Insurers consider the dangers of residing in specific ZIP codes when pricing premiums. Here are the rates of car insurance in Las Vegas for some of the most populatedzip codes.
| ZIP Code | Average Annual Rate |
|---|---|
| 89108 | $2711 |
| 89110 | $2818 |
| 89129 | $2527 |
| 89117 | $2748 |
| 89122 | $2599 |
| 89131 | $2478 |
| 89101 | $2932 |
| 89104 | $2967 |
| 89102 | $2913 |
| 89149 | $2396 |
| 33157 | $2,364 |
| 33186 | $2,534 |
| 33175 | $2,734 |
| 33165 | $2,799 |
The place where you live in Las Vegas significantly affects the auto insurance rates. Why that's so? Theft, crime, and uninsured drivers differ by ZIP code. Suppose you live in an area where people don't get along. In that case, auto insurance companies may consider you a high risk to cover, which means your premiums may be higher than those of a neighbor down the street. Unfortunately, Las Vegas has no exception in it.
While Las Vegas is the state's most populous city, our research of FBI crime data shows that Reno has a greater rate of auto theft. For every 1000 people in Las Vegas, around 4.39 cars get stolen. But, in Reno, around 4.64 cars get stolen per 1000 people.
Are you looking for cheap car insurance quotes in Las Vegas? Are you looking for great Las Vegas car insurance rates with many discounts and other benefits? Many car insurance companies in Las Vegas claim great discounts, clear policies, and custom coverage options. Our skilled agents are always there to help you understand even the most complex state requirements, insurance terms, coverages, and deductibles. Here we list some of the top insurers in Las Vegas.
|
|
|
|---|---|
| Progressive | Key Insurance |
| State Farm | Western National |
| Nationwide | Travelers |
| USAA | Farmers |
| American Family | CSAA |
| Country Financial | Liberty Mutual |
| Mercury | Safeco |
| Allstate | Hallmark Insurance |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Full-coverage insurance has an annual average cost of around $2652 in Las Vegas. It is higher than the statewide and national averages.
With an annual average rate of $1,931, State Farm offers the cheapest full coverage insurance in Las Vegas.
Yes. Because of Nevada state's liberal drinking policies and the number of partygoers in Las Vegas, car insurance is pricey. Car insurance rates are also continuously rising in Nevada and around the country. There are a few factors that affect the cost of auto insurance.
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