Get free quote in-app


Car insurance in Las Vegas, NV (June 2023)

The better Way to shop for Las Vegas City Car Insurance

√ Free quotes from 200+ carriers in seconds

√ Lowest rate guaranteed

√ Up to $971 savings per year on average

4.9/5 Rating on the App Store



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.

How Much Does Car Insurance Cost In Las Vegas?

Las Vegas Rates Vs Nevada Vs The United States Averages

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!

Find a free auto insurance quote in Nevada today!

See what you could save on auto insurance

Las Vegas Auto Insurance Premiums by Company

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
State Farm $1931
Progressive $2492
Farmers $2930
Allstate $3133

Las Vegas Auto Insurance Premiums by Age Group

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

Las Vegas Auto Insurance Premiums by Marital Status

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

Las Vegas Auto Insurance Premiums by Gender

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

Las Vegas Auto Insurance Premiums by Driving Record

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

Las Vegas Auto Insurance Premiums by Credit Rating

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

Las Vegas Auto Insurance Premiums by Zip Code

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

See what you could save on auto insurance

What Would Increase Your Car Insurance Rate In Las Vegas?

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.

Auto Theft Statistics In Las Vegas

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.

Car Insurance Companies In Las Vegas

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.

Car Insurance Companies In Las Vegas
Hallmark Insurance
Progressive Key Insurance
State Farm Western National
Nationwide Travelers
USAA Farmers
American Family CSAA
Country Financial Liberty Mutual
Mercury Safeco

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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


How much is car insurance in Las Vegas?

Full-coverage insurance has an annual average cost of around $2652 in Las Vegas. It is higher than the statewide and national averages.

Who has the cheapest car insurance in Las Vegas?

With an annual average rate of $1391, State Farm offers the cheapest full coverage insurance in Las Vegas.

Why is car insurance so expensive 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.

  • There are too many drivers in Nevada. So, the chances of accidents are also high.
  • The cost of auto repairs is going high.
  • Many drivers in the state don't have insurance. 
  • Healthcare costs in the state are surging.
  • Nevada experiences severe weather issues. Wildfires and droughts are becoming common. So, insurers are paying out more claims which tend to be expensive.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!