Car insurance in Las Vegas: Cheapest insurance and average rates

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Car insurance in Las Vegas costs an average of $2,592 for full coverage or $216 per month. But some companies offer better rates than others. In 2024, USAA  offers the cheapest full coverage car insurance policy at $163 per month. 

Las Vegas is an incredibly popular tourist destination. While millions visit the city each year, over 650,000 people call Las Vegas home. With an average commute of 25.8 minutes for Las Vegas residents, most will spend an ample amount of time in traffic. 

If you live in Vegas, car insurance costs can take a big bite out of your budget. For most drivers, seeking out the cheapest option is critical.

How to find the best car insurance in Las Vegas

You’ll need to shop around to find the best car insurance option in Las Vegas. When you get quotes from at least three car insurance companies, you can compare costs to find the most affordable option. Before committing to a policy, ask the insurer if you qualify for discounts to lower your costs.

Cheapest car insurance company in Las Vegas

USAA offers the cheapest car insurance coverage in Las Vegas, with an average annual rate of $1,953 for full coverage. The catch is that USAA is only available to individuals with qualifying military experience and their families. The next cheapest company is State Farm at $1,976 per year. 

Explore the other cheap car insurance options in Las Vegas in the table below. 

Average annual rates from the largest U.S. insurers in Las Vegas

How much is car insurance in Las Vegas per month?

Every driver has a slightly different situation, which means exact insurance costs vary from driver to driver. But on average, Las Vegas drivers pay $216 monthly for full coverage car insurance. A minimum coverage car insurance policy costs an average of $85 per month. 

The table below breaks down average car insurance premiums by insurance company and coverage level. 

Monthly rates for car insurance in Las Vegas, Nevada

How do rates in Las Vegas compare to other large cities in the U.S.?

Car insurance companies take many factors into consideration when determining your auto insurance premiums. In general, urban drivers in large cities pay more for car insurance than drivers in more rural areas. That’s because big cities tend to have higher rates of vandalism, theft, and accidents, all of which pushes car insurance costs higher. 

James Brau, professor of finance at Brigham Young University, says that the more risk the insurance company must bear, the higher the premium they must charge to stay in business and make a profit. 

“Large cities tend to present more risk to the insurance companies than rural areas. Large cities have more people, more cars and higher chances of getting in wrecks or having other damage done to vehicles,” Brau says. “As such, insurance firms must charge higher premiums in cities. Cities that are relatively more dangerous, in turn, must charge higher premiums than cities that are not as risky. Insurance companies study damage losses per metropolitan area and assign premiums depending on the number of wrecks in an area.”

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Here’s what you need to know when driving in Las Vegas

Driving in Las Vegas isn’t always smooth sailing. The Las Vegas Metropolitan Police Department responded to more than 19,000 traffic collisions in 2023 and 155 fatal crashes in the city. 

Here’s what to know about driving in Las Vegas for a smooth and safe experience. 

• If you get caught using your cellphone, you could be fined up to $250. 
• Rush hour runs from 7-9 a.m. and 4-7 p.m. If possible, avoid the roads during these times. 
• While you might know where you are going, a map app can help you avoid unnecessary traffic. 

As you navigate the city, keep these rules in mind:

• You can’t make a U-turn unless a sign allows it or you can do so safely. 
• Don’t follow other vehicles closely. 
• If you encounter an animal on the street, like a horse, you can pass it. But you must make every effort to avoid scaring the animal. 
• Don’t speed in areas with heavy foot traffic, such as the Las Vegas Strip and along Fremont Street.

How much car insurance do I need in Las Vegas?

Drivers in Las Vegas must carry a minimum amount of liability car insurance. Below is a breakdown of the state’s minimum auto insurance requirements:

• $25,000 in bodily injury and $25,000 for death for a person involved in an accident 
• $50,000 for bodily injury and $50,000 for death for two or more people in an accident
• $20,000 in property damage coverage per accident

You’ll need an auto insurance policy with these minimum coverage requirements. But most people need more insurance coverage. For example, drivers who want help repairing or replacing their own vehicle after an incident might want collision and comprehensive coverage. 

Average cost of car insurance in Las Vegas

Drivers in Las Vegas pay an average of $1,025 for a state minimum coverage policy. But drivers who want more financial protection pay an average of $2,594 for a full coverage policy. 

In contrast to the national average cost of $1,895 for a full coverage policy, Las Vegas drivers pay significantly more. The average cost of a full coverage policy in the state of Nevada is $2,060 per year, which means drivers in Las Vegas also pay more than other Nevada drivers. 

How much does car insurance in Las Vegas cost with violations?

Car insurance costs often increase after you receive a traffic violation. You should expect to pay more for car insurance if you receive a violation in the form of a speeding ticket, at-fault accident, or DUI conviction. 

For example, Las Vegas drivers see their rates increase by an average of 58% after an at-fault accident. If you are caught speeding, that ticket could push your car insurance rates up by an average of  32%. DUIs also lead to higher costs, with an average rate increase of 59%, and bad credit can increase your rates 81%. 

See rate increases in Las Vegas in the table below by violation. 

Cheapest car insurance in Las Vegas by age

Car insurance for teens in Las Vegas is very expensive – the annual rate for an 18-year-old for a full coverage policy is $7,017 per year. Rates start to drop at age 25 and then rise again in your late 60s. See other rates by age in the table below.

Annual rates for state minimum and full coverage car insurance in Las Vegas by age. 

Compare auto insurance rates in Las Vegas by ZIP code 

Where you live in Las Vegas also impacts your car insurance costs. In Las Vegas, the cheapest ZIP codes for car insurance are 89166, 89124, and 89138. In contrast, the most expensive are 89101, 89106, and 89110. 

See the tables below for the cheapest and most expensive ZIP codes in Las Vegas. 

Cheapest annual car insurance rates in Las Vegas, by ZIP code 

Most expensive annual car insurance rates in Las Vegas, by ZIP code 

Our recommendations: Car insurance for drivers in Las Vegas

On average, drivers get the cheapest coverage by purchasing a policy with USAA. But if you don’t have a military connection, the next cheapest option is often through State Farm. 

It’s worth noting that purchasing coverage based on pricing alone can be a mistake. A cheap policy isn’t worth much if it does not include the coverage you want and need. 

So, shop around and gather quotes from several insurance companies. This is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Las Vegas. 

Resources & Methodology

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

Sarah Sharkey

Contributing Researcher

 

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Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.