Las Vegas, NV Auto Insurance | Cheap Car Insurance in Las Vegas, NV
Finding cheap car insurance in Las Vegas, NV can be difficult, but not impossible. You need to make sure you have the proper coverage. As the entertainment capital of the world, it would be a good idea to have Las Vegas, NV auto insurance. This runs an average of $227 per payment. Find more information and great rates below.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Dec 19, 2023
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Las Vegas, NV Driving Facts
| Las Vegas, NV Facts | Source |
|---|---|
| To get a Nevada driver's license, you must be a Nevada resident. | dmv.nv.gov |
| To get a Nevada driver's license, you may not hold licenses from multiple states. | dmv.nv.gov |
| To get a Nevada license, you must provide a Nevada street address. | dmv.nv.gov |
| Active duty military members, their spouses, and dependents are not required to transfer their license and registration. | dmv.nv.gov |
| Basic registration fee for vehicles under 6,000 pounds: $34 | dmv.nv.gov |
| Registration fee for trailers up to 1,000 pounds: $13 | dmv.nv.gov |
| Registration fee for trailers 1,000 pounds or above: $25 | dmv.nv.gov |
| Price for first-time vehicle titles: $29.25 | dmv.nv.gov |
| Governmental Services Tax: Helps fund local government and schools. | dmv.nv.gov |
| Supplemental Governmental Services Tax: helps fund road improvements. | dmv.nv.gov |
Cheap car insurance in Las Vegas, NV is provided by Allied with monthly rates as low as $38. Nevada auto insurance requires all residents to carry 15/30/10 in liability coverage. However, it would be wise to carry more than the Las Vegas, NV auto insurance minimum. You don’t want to see your wrecked car at Insurance Auto Auction Las Vegas, NV.
We understand that shopping for auto insurance can be an ordeal. This is why we will go through everything step by step to help you find the right Las Vegas, NV car insurance company for you.
Are you in the market for cheap auto insurance in Las Vegas, NV? If so, you may be asking, “Why is auto insurance so expensive in Las Vegas?” Or, “Is Allied Insurance in Las Vegas, NV?” With AutoInsuranceEZ.com, you could get the cheapest auto insurance in Las Vegas.
If you want to acquire free Las Vegas, NV auto insurance quotes from top providers now, type your ZIP code into our helpful tool above to help answer the question, “How much does auto insurance cost in Las Vegas?”
Enter your ZIP code below to compare auto insurance rates.
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Auto Insurance Rates in Las Vegas, NV
Las Vegas is well known throughout the country and entire globe as the “Entertainment Capital of the World.” The local economy is highly dependent upon tourism, bringing in thousands of visitors each year for legalized gambling, spectacular shows, and entertaining nightlife. Over the past thirty years, Las Vegas has also been improving upon finance, business, and transportation industries as well.
Fun Fact: Count your poker chips! Because Las Vegas is #1 on the list of “Top 101 ZIP codes with the most casinos in 2005”. Learn more about Las Vegas.
Is Las Vegas, NV car insurance more expensive than other states? Let’s find out.
To drive in Nevada, you must have a Nevada license. Driving legally in Las Vegas also requires the coverage amounts shown in this table.
| Auto Insurance Coverage Type | Minimum Coverage Requirements | Most Common Coverage |
|---|---|---|
| Bodily Injury Liability | 15,000/30,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 50,000 |
| Uninsured Motorist Bodily Liability | Not Required | 50,000/30,000 |
| Medical Payments | Not Required | 5,000 |
| Collision | Not Required | 500 deductible |
| Comprehensive | Not Required | 100 deductible |
Keep in mind that Bodily Injury Liability Insurance only pays on claims when the incident under consideration was something you triggered or are found responsible for. For just about any other situation, you’ll be financially accountable for your automobile. If you’re presently financing your automobile, your loan provider may need additional coverage beyond legal minimums.
Below, we’ll discuss what drives up car insurance rates in Las Vegas.
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Does gender and age affect auto insurance rates in Las Vegas, NV?
Due to their lack of experience, young drivers are considerably more prone to enter into a significant accident. This is why some auto insurance companies in Las Vegas, Nevada charge them two to three times greater rates than someone with multiple decades of driving experience.
Let’s take a look at the Car Insurance Rates by Age Bracket in Las Vegas table comparing rates for 17-year-olds and 34-year-olds.
| Companies | Average Monthly Rates for 34-Year-Old Driver | Average Monthly Rates for 17-Year-Old Driver |
|---|---|---|
| Allied | $38 | $127 |
| Farmers | $80 | $659 |
| State Farm | $90 | $347 |
| Allstate | $94 | $290 |
| Liberty Mutual | $94 | $331 |
The most interesting comparison here comes from Farmers. Coverage for a 17-year-old is over eight times as much as coverage for a 34-year-old.
Las Vegas car insurance premiums by gender and marital status
Your marital status can also prove to be a factor in cheap auto insurance in Las Vegas, Nevada. Being a single driver versus a married one does not get you any significant discount rates either way. However, spouses can bundle their car insurance in Las Vegas, Nevada together to seriously decrease their payments.
It should be noted that this might require either individual to change towards the same insurance carrier.
The days of one gender being known as the better driver are becoming a relic of the past. At least, some insurance providers think so. These days, several major providers charge the exact same rate, regardless of gender. Those who still do charge different premiums usually raise prices no more than 2% on average.
Education can be a factor as well. About 28 percent of Las Vegas residents have completed all requirements for a high school diploma, while 21 percent have yet to finish high school. Insurance companies have started rewarding motorists who take their education to the next level with attractive discounts. If you have an advanced degree, or you are thinking about getting one, you could benefit from these savings.
While most people might not think of Las Vegas as a college town, there are several institutions of higher learning to choose from. The University of Nevada campus at Las Vegas educates nearly 30,000 students annually and awards bachelors and graduate-level degrees. For a fast-track degree, there are also three different campuses of the Community College of Southern Nevada to look into.
Determining individual financial risk can be very hard or unattainable for the common insurance consumer.
Insurance agencies possess an advantage over shoppers because of their statistics and experiential understanding. With some research, though, you can discover what Las Vegas, NV auto insurance companies don’t want you to know.
What cities have the cheapest auto insurance rates in Las Vegas, NV?
Typically, auto insurance costs less in non-urban regions, mainly because fewer vehicles entail a smaller likelihood that you’ll get into a wreck with another vehicle.
The next table will show not necessarily Las Vegas car insurance rates by ZIP code but some companies’ rates in various Nevada cities, including auto insurance in Henderson, NV, a nearby town.
| Companies | Average Rates in Las Vegas | Average Rates in North Las Vegas | Average Rates in Reno | Average Rates in Henderson | Average Rates in Paradise |
|---|---|---|---|---|---|
| Allied | $38 | $30 | $24 | $34 | $32 |
| Farmers | $80 | $73 | $42 | $62 | $73 |
| State Farm | $90 | $74 | $34 | $78 | $78 |
| Allstate | $94 | $88 | $51 | $74 | $90 |
| Liberty Mutual | $94 | $69 | $49 | $83 | $69 |
As you can see, Allied has the lowest rates in each area of Las Vegas by far.
What companies have the best auto insurance rates in Las Vegas, NV?
What are the average Las Vegas, NV car insurance rates per month? Nevada average car insurance cost can run as high as $116 per month or more for many drivers. But the good news is that motorists can get Las Vegas insurance for as low as $80/month.
Cheapest Auto Insurance Rates by Company
Here is a table showing average monthly auto insurance premiums from five car insurance companies in Las Vegas, Nevada. You can find more companies than what’s listed in the Las Vegas Auto Insurance Rates by Company table.
| Companies | Average Monthly Rates |
|---|---|
| Allied | $38 |
| Allstate | $94 |
| Farmers | $80 |
| Liberty Mutual | $94 |
| State Farm | $90 |
There are a variety of companies that provide competitive rates, such as GoAuto [insurance] Las Vegas, NV, Express Auto Insurance Las Vegas, NV, USAA [auto insurance] Las Vegas, NV, and more. However, Allied and Farmers are offering low-cost auto insurance in Las Vegas, NV right now. However, low rates aren’t everything. Sometimes it’s worth a few extra dollars per month to sign up with a company that has high customer and claims service ratings. (For more information, read our “GoAuto Auto Insurance Review“).
Among some of the many companies that you can research are Progressive Auto Insurance Las Vegas, NV, AAA [car insurance] Las Vegas, NV, and The General Car Insurance Las Vegas, NV.
Auto insurance providers consider numerous aspects when determining insurance prices, such as marital status, ZIP code, credit score/rating, miles driven each year, and theft protection devices. Keep in mind that premiums can vary from business to business. To verify you’re still paying the most affordable cost, search for low-cost car insurance in Las Vegas on the internet.
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While you may not be able to change some of the factors that play into the car insurance quotes in Las Vegas, Nevada you are provided with, there are certain adjustments you can make to ensure a better price. Here are a few components that may change your Las Vegas, Nevada automobile insurance premium.
Best Car Insurance in Las Vegas, NV for Commute Rates
Commutes in Vegas can be lengthy, with the average drive lasting between 20-31 minutes. Fewer than three-quarters of drivers choose to take their own car by themselves, while anywhere from six to eighteen percent will likely carpool. Around three percent additionally take the bus.
Some insurance companies will look at the number of miles you drive, or even your purpose for driving. The factors may cause a two to three percent improvement in monthly rates. Business automobiles, however, could be charged 10 percent greater rates, if not more.
Cheapest Auto Insurance Las Vegas, NV for Coverage Level Rates
If you’re looking for more than minimum coverage, you may have the ability to increase the coverage for your current policy by raising your deductible. While this makes your out-of-pocket expenses much greater in the event that you have to file a claim, you can utilize the cheaper monthly obligation in order to save for a day that you might need it.
Cheapest Car Insurance Las Vegas, Nevada for Credit History Rates
Though it may not appear fair to some, your credit rating plays a huge role in how your insurance charges you for an auto policy. The greater your score is, the lower your rates are going to be, and vice-versa. Motorists with a bad credit score may be billed double or more than drivers who have an “Excellent” credit rating.
The following Las Vegas Car Insurance Premiums by Credit Score table details various insurers’ rates for “Excellent” and “Poor” credit.
| Companies | Average Rates with Excellent Credit | Averagge Rates with Poor Credit |
|---|---|---|
| Allied | $33 | $55 |
| Farmers | $64 | $144 |
| State Farm | $64 | $292 |
| Liberty Mutual | $71 | $174 |
| Allstate | $78 | $126 |
Best Automobile Insurance for Driving Record Rates
One of the primary factors in cheap car insurance in Las Vegas, Nevada would be your driving record. Let’s take a look at a table comparing Las Vegas car insurance costs by incident history.
| Companies | Average Rates with a Perfect Record | Average Rates with a Minor Speeding Ticket | Average Rates with a DUI or Reckless Driving Violation | Average Rates with a Major At-Fault Accident |
|---|---|---|---|---|
| Allied | $38 | $43 | $64 | $51 |
| Farmers | $80 | $118 | $132 | $121 |
| State Farm | $90 | $98 | $98 | $106 |
| Allstate | $94 | $104 | $125 | $129 |
| Liberty Mutual | $94 | $109 | N/A | $129 |
The vehicle you drive will affect your rates as well. Some motorists, especially ones who drive an older or less costly vehicle, can pull off getting the minimum insurance policy. So before you decide to buy a luxury vehicle all on your own, think about how it will also include an enormous insurance bill every month. After all, you would not insure an extravagant vehicle with Liability only, right?
Here is a table comparing rates for a sports car and a regular four-door sedan.
| Companies | Average Monthly Rates for a 2015 Honda Accord | Average Monthly Rates for a 2012 Porsche Boxster Spyder |
|---|---|---|
| Allied | $38 | $85 |
| Farmers | $80 | $175 |
| State Farm | $90 | $183 |
| Allstate | $94 | $183 |
| Liberty Mutual | $94 | $240 |
What affects Las Vegas, NV auto insurance rates?
Road Conditions
Unfortunately, your monthly car insurance rates in Las Vegas, NV will climb if the number of serious accidents occurring in your ZIP code also begins to climb. In the chart below, you will see collision statistics for Las Vegas.
| Accident Type | Statistics |
|---|---|
| Fatal Accident Count | 21 |
| Vehicles Involved in Fatal Crashes | 31 |
| Fatal Crashes Involving Drunk Persons | 6 |
| Fatalities | 21 |
| Persons Involved in Fatal Crashes | 39 |
| Pedestrians Involved in Fatal Accidents | 8 |
As you can see, from the most recent data available, there were quite a few people involved in fatal crashes. If these numbers concern you, talk to your insurance agent about Safe Driver discounts or the cheapest car to insure in Las Vegas.
Vehicle Theft in Las Vegas, NV
Acquiring the cheapest car insurance in Las Vegas, NV can be challenging if you be vulnerable to auto theft. Certain trendy automobiles or truck models are alluring to thieves, as are motor vehicles that are often parked in big urban centers.
The total quantity of vehicles stolen in Las Vegas was 6,635 during 2013. If you don’t have Comprehensive and Collision auto insurance coverage on your policy, you might have to replace your stolen vehicle with 100% of your own money.
To see how much does Vegas insurance cost, let’s take a look comparing rates for Basic and Comprehensive automobile policies.
| Companies | Average Basic Coverage Rates | Average Comprehensive Coverage Rates |
|---|---|---|
| Allied | $38 | $77 |
| Farmers | $80 | $160 |
| State Farm | $90 | $166 |
| Allstate | $94 | $170 |
| Liberty Mutual | $94 | $227 |
As you can see, Liberty Mutual is very much on the high end for comprehensive coverage at $227 per payment.
Traffic Congestion in Las Vegas, NV
Las Vegas is the 95th most congested city in the country and the 607th most congested city in the world. The average cost of the city’s congestion per driver in the year 2019 was $252.
Allstate America’s Best Drivers Report
According to America’s Best Drivers Report courtesy of Allstate [car] Insurance Las Vegas, NV, Las Vegas is the 129th safest driving city. On average there are 8.3 years between claims. The national average is 10.57 years between claims.
How is traffic in Las Vegas, NV?
With a congestion level on non-highways of 22%, it would be best to be prepared for a collision.
Looking for affordable Las Vegas, NV auto insurance? To buy Las Vegas, Nevada auto insurance, feel free to use our free, helpful tool below by typing in your ZIP code to find cheap auto insurance rates in your area.
Frequently Asked Questions: Cheap Auto Insurance in Las Vegas, NV
#1 – Who has the cheapest auto insurance in Las Vegas?
On average, Geico Car Insurance Las Vegas, NV has the cheapest auto insurance at $1,411 per year.
#2 – How much is auto insurance in Nevada?
Auto insurance will run you anywhere from $1,400 to about $2,650 or more annually.
#3 – Is there low-income auto insurance in Nevada?
You can get minimum coverage from Geico for about $560 per year.
#4 – Is there a Nevada auto insurance Las Vegas, NV loophole?
No such thing exists. In order to drive in Las Vegas, you need to have coverage.
#5 – Is Geico insurance in Las Vegas?
Absolutely, and they offer some of the best car insurance in Las Vegas.