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Finding the cheapest car insurance quotes in Laughlin 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 Laughlin
The car insurance rate in Laughlin is $1509 for a six-month policy, which is $44 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Laughlin 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 $428 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 $666 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $826
for six months, making it
the third cheapest auto insurance company in Laughlin.
Laughlin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Laughlin, NV is Country Financial, offering policies at just $428 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $666.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $2704 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laughlin drivers find the best deals.
Way's key takeaways about car insurance in Laughlin
The auto insurance costs in Laughlin fall around $428 for six
months.
The cheapest auto insurance company in Laughlin is Capital Insurance Group.
Teen drivers pay the highest rate in Laughlin at $1872 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 Laughlin
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 Laughlin are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Laughlin. Their Average 6 Month Premium is $343.
Key Insurance is the most
expensive at $2160 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 Laughlin is Country Financial
at $73 per month and $428
for six months.
Cheapest Full Coverage Car Insurance Quotes in Laughlin,
NV
Get Your Car Insurance Quote in Laughlin
Instantly!
Average Car Insurance in Laughlin 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 Laughlin, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Laughlin, 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, Laughlin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Laughlin
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
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Cheapest Car Insurance Rates for Teen Drivers in
Laughlin,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Laughlin at $56
per
month. At $11227 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Laughlin.
As young drivers face the highest rates in Laughlin, N/A
offers the cheapest auto insurance rates at $N/A 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 Laughlin,
Nationwide is
the cheapest car insurance provider. At $361 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
Laughlin is American Family, offering
rates of around $3451 for six
months.
Save up to $971/yr on car insurance rates in Laughlin.
Car Insurance Rates with An Accident in Laughlin
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 Laughlin, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Laughlin
The cheapest car insurance companies after an at-fault accident in
Laughlin include Capital Insurance Group
and Country Financial, offering $471
and $533,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4570.
Here is a list of driving violations that can increase your car
insurance rates in Laughlin NV. For example, the car
insurance in Laughlin
after a DUI increases to $943 for a six
month policy. While the rate increases by $313 for a six-month policy in the case of
a speeding ticket.
Laughlin auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1388
$232
One Med/PIP claim
$1388
$236
Not-at-fault accident
$1450
$242
Two Med/PIP claims
$1450
$246
One comp claim
$1456
$243
Two comp claims
$1523
$259
Failure to wear a seat belt
$1627
$271
Child safety restraint
$1634
$278
Failure to show documents
$1640
$273
Driving without lights
$1664
$283
Driving with expired registration
$1671
$278
Speeding 6 - 10 MPH over limit
$1701
$289
Speeding 11 - 15 MPH over limit
$1707
$284
Speeding 16 - 20 MPH over limit
$1707
$290
Cell phone violation
$1713
$285
Driving too slowly
$1713
$291
Speeding in school zone
$1713
$285
Texting while driving
$1719
$293
Failure to stop at a red light
$1725
$287
Failure to yield
$1725
$294
Illegal turn
$1725
$287
Following too closely
$1738
$296
Wrong way/wrong lane
$1738
$289
Improper passing
$1744
$297
In 65 MPH zone
$1775
$296
Passing school bus
$1823
$310
Speeding 21 - 25 MPH over limit
$1835
$306
At-fault accident - less than $1000
$1866
$317
Operating a vehicle without permission
$1873
$312
Open container
$1964
$334
At-fault accident - $1000-$2000
$2037
$340
At-fault accident - greater than $2000
$2037
$346
Refusal to submit to a chemical test
$2245
$374
Racing
$2325
$396
Driving with a suspended license
$2331
$388
DUI
$2331
$397
Reckless driving
$2356
$392
Leaving scene of an accident/hit and run
$2423
$412
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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 Laughlin 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 Laughlin.
The cheapest car insurance premiums in
Laughlin are
offered by Country Financial at $428 for a six-month policy.
However, it can be as
expensive as $4632 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 Laughlin are offered by Country Financial
at $300. However,
it can be as expensive as $5371
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Laughlin after Speeding ticket
Car insurance rates in Laughlin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Laughlin rose by
$323 in January
compared to $312 of December. In other words, there has been an increase by $11 when you
compare January and December.
The average cost of liability insurance in the Laughlin rose to $103 in January,
compared to $92 in December.
This represents an increase of $11
when comparing January and December.
Average Car Insurance Cost in Laughlin 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
Laughlin. At $3017 for a
six-month policy, insuring
your car at 89029 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Laughlin?
The car insurance in Laughlin is $59 per month, which is lower than the national average.
What is the cheapest car insurance in Laughlin?
The cheapest car insurance in Laughlin
is $73 per month
for full coverage.
How much is car insurance in Laughlin for teenagers?
Car insurance for teenagers costs $324 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
Laughlin?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $253 per month to insure your
car in Laughlin.
Is car insurance expensive in Laughlin?
Car insurance can be expensive in Laughlin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Laughlin can be
affordable.
What is the best car insurance in Laughlin,
NV?
The best car insurance company in Laughlin
NV is
Country Financial, offering $428 for a
six-month policy.
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