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Finding the cheapest car insurance quotes in Las Vegas shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.
Table of Contents
How Much Is Car Insurance in Las Vegas
The car insurance rate in Las Vegas is $2062 for a six-month policy, which is $765 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Las Vegas can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $661 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $1029 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1275
for six months, making it
the third cheapest auto insurance company in Las Vegas.
Las Vegas Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Las Vegas, NV is Country Financial, offering policies at just $661 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $1029.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $4118 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Las Vegas drivers find the best deals.
Way's key takeaways about car insurance in Las Vegas
The auto insurance costs in Las Vegas fall around $661 for six
months.
The cheapest auto insurance company in Las Vegas is Capital Insurance Group.
Teen drivers pay the highest rate in Las Vegas at $377 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Las Vegas
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Las Vegas are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Las Vegas. Their Average 6 Month Premium is $529.
Encompass is the most
expensive at $774 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Las Vegas is Country Financial
at $110 per month and $661
for six months.
Cheapest Full Coverage Car Insurance Quotes in Las Vegas,
NV
Get Your Car Insurance Quote in Las Vegas
Instantly!
Average Car Insurance in Las Vegas by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Las Vegas, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Las Vegas, Nevada, may be increasing due to several external factors.
Nevada has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Las Vegas's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Las Vegas
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
30s
Capital Insurance Group
$714
40s
Capital Insurance Group
$666
50s
Capital Insurance Group
$660
60s
Capital Insurance Group
$630
70s
Capital Insurance Group
$636
Cheapest Car Insurance Rates for Teen Drivers in
Las Vegas,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Las Vegas at $86
per
month. At $2220 for a six-month premium,
Kemper offers the most expensive rate for
teen drivers.
If you are in your twenties Capital Insurance Group is
the best choice for car
insurance in Las Vegas.
As young drivers face the highest rates in Las Vegas, Capital Insurance Group
offers the cheapest auto insurance rates at $714 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Las Vegas,
Nationwide is
the cheapest car insurance provider. At $557 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Las Vegas is State Farm, offering
rates of around $8095 for six
months.
Save up to $971/yr on car insurance rates in Las Vegas.
Car Insurance Rates with An Accident in Las Vegas
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Las Vegas, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Las Vegas
The cheapest car insurance companies after an at-fault accident in
Las Vegas include Capital Insurance Group
and Country Financial, offering $727
and $822,
respectively. AAA is an expensive provider
with an average six-month premium of
$7357.
Here is a list of driving violations that can increase your car
insurance rates in Las Vegas NV. For example, the car
insurance in Las Vegas
after a DUI increases to $1455 for a six
month policy. While the rate increases by $482 for a six-month policy in the case of
a speeding ticket.
Las Vegas auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2143
$358
One Med/PIP claim
$2143
$364
Not-at-fault accident
$2239
$374
Two Med/PIP claims
$2239
$380
One comp claim
$2248
$375
Two comp claims
$2352
$399
Failure to wear a seat belt
$2512
$418
Child safety restraint
$2522
$429
Failure to show documents
$2531
$421
Driving without lights
$2569
$437
Driving with expired registration
$2579
$429
Speeding 6 - 10 MPH over limit
$2625
$447
Speeding 11 - 15 MPH over limit
$2635
$439
Speeding 16 - 20 MPH over limit
$2635
$448
Cell phone violation
$2644
$440
Driving too slowly
$2644
$450
Speeding in school zone
$2644
$440
Texting while driving
$2654
$452
Failure to stop at a red light
$2663
$444
Failure to yield
$2663
$453
Illegal turn
$2663
$444
Following too closely
$2682
$456
Wrong way/wrong lane
$2682
$447
Improper passing
$2692
$458
In 65 MPH zone
$2740
$456
Passing school bus
$2814
$479
Speeding 21 - 25 MPH over limit
$2833
$472
At-fault accident - less than $1000
$2881
$490
Operating a vehicle without permission
$2891
$482
Open container
$3032
$515
At-fault accident - $1000-$2000
$3145
$525
At-fault accident - greater than $2000
$3145
$534
Refusal to submit to a chemical test
$3466
$577
Racing
$3589
$611
Driving with a suspended license
$3598
$599
DUI
$3598
$612
Reckless driving
$3636
$606
Leaving scene of an accident/hit and run
$3740
$636
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Las Vegas after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Las Vegas.
The cheapest car insurance premiums in
Las Vegas are
offered by Country Financial at $661 for a six-month policy.
However, it can be as
expensive as $6271 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Las Vegas are offered by Country Financial
at $463. However,
it can be as expensive as $1029
with companies like Amica for a similar
six-month premium.
Cheapest Car Insurance in Las Vegas after Speeding ticket
Car insurance rates in Las Vegas have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Las Vegas rose by
$482 in December
compared to $479 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Las Vegas rose to $142 in December,
compared to $137 in November.
This represents an increase of $5
when comparing December and November.
Average Car Insurance Cost in Las Vegas by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Las Vegas. At $2144 for a
six-month policy, insuring
your car at 89110 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
89110
$2144
$360
89131
$2124
$357
89130
$2103
$353
89119
$2124
$357
89118
$2082
$350
89117
$2124
$357
89139
$2103
$353
89138
$2082
$350
89115
$2144
$360
89135
$2082
$350
89113
$2103
$353
89179
$2062
$346
89134
$2082
$350
89178
$2103
$353
89156
$2082
$350
89143
$2062
$346
89121
$2144
$360
89142
$2103
$353
89120
$2082
$350
89141
$2103
$353
89183
$2103
$353
89161
$2062
$346
89109
$2062
$346
89108
$2144
$360
89107
$2103
$353
89129
$2124
$357
89128
$2103
$353
89106
$2082
$350
89149
$2103
$353
89104
$2103
$353
89148
$2124
$357
89147
$2124
$357
89169
$2082
$350
89103
$2124
$357
89102
$2103
$353
89124
$2062
$346
89146
$2082
$350
89145
$2082
$350
89123
$2124
$357
89101
$2103
$353
89166
$2082
$350
89144
$2082
$350
89122
$2124
$357
Frequently Asked Questions
How much is car insurance in Las Vegas?
The car insurance in Las Vegas is $87 per month, which is lower than the national average.
What is the cheapest car insurance in Las Vegas?
The cheapest car insurance in Las Vegas
is $110 per month
for full coverage.
How much is car insurance in Las Vegas for teenagers?
Car insurance for teenagers costs $501 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Las Vegas?
The average cost of car insurance is $1297 for a six-month
policy. It will cost around $347 per month to insure your
car in Las Vegas.
Is car insurance expensive in Las Vegas?
Car insurance can be expensive in Las Vegas if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Las Vegas can be
affordable.
What is the best car insurance in Las Vegas,
NV?
The best car insurance company in Las Vegas
NV is
Country Financial, offering $661 for a
six-month policy.
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