Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Oct 30, 2020

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Las Vegas, NV Summary
Las Vegas, NV FactsSource
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: $34dmv.nv.gov
Registration fee for trailers up to 1,000 pounds: $13dmv.nv.gov
Registration fee for trailers 1,000 pounds or above: $25dmv.nv.gov
Price for first-time vehicle titles: $29.25dmv.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
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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.

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.

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?”

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.

Las Vegas, NV Auto Insurance Requirements
Auto Insurance Coverage TypeMinimum Coverage RequirementsMost Common Coverage
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily LiabilityNot Required50,000/30,000
Medical PaymentsNot Required5,000
CollisionNot Required500 deductible
ComprehensiveNot Required100 deductible
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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.

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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 companies charge them two to three times greater rates than someone with multiple decades of driving experience.

Let’s take a look at a table comparing rates for 17-year-olds and 34-year-olds.

Las Vegas, NV Average Monthly Auto Insurance Rates by Age
CompaniesAverage Monthly Rates for 34-Year-Old DriverAverage Monthly Rates for 17-Year-Old Driver
Allied$38$127
Farmers$80$659
State Farm$90$347
Allstate$94$290
Liberty Mutual$94$331
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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.

Your marital status can also prove to be a factor. Being a single driver versus a married one does not get you any significant discount rates either way. However, spouses can bundle their insurance 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 insurance providers 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 some companies’ rates in various Nevada cites, including auto insurance in Henderson, NV, a nearby town.

Average Monthly Las Vegas, NV Auto Insurance Rates by City
CompaniesAverage Rates in Las VegasAverage Rates in North Las VegasAverage Rates in RenoAverage Rates in HendersonAverage 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
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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 rates 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 companies.

Average Monthly Auto Insurance Rates by Company
CompaniesAverage Monthly Rates
Allied$38
Farmers$80
State Farm$90
Allstate$94
Liberty Mutual$94
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Allied and Farmers are offering the lowest available rates in Las Vegas 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.

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 rate quote 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 automobile insurance premium.

Best Auto Insurance 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.

Best Auto Insurance 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.

Best Auto Insurance 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 table details various insurers’ rates for “Excellent” and “Poor” credit.

Average Monthly Las Vegas, NV Auto Insurance Rates by Credit Rating
CompaniesAverage Rates with Excellent CreditAveragge Rates with Poor Credit
Allied$33$55
Farmers$64$144
State Farm$64$292
Liberty Mutual$71$174
Allstate$78$126
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Best Automobile Insurance for Driving Record Rates

One of the primary factors affecting rates would be your driving record. Let’s take a look at a table comparing a perfect record to several forms of driving record blemishes.

Average Monthly Las Vegas, NV Auto Insurance Rates by Drivin History
CompaniesAverage Rates with a Perfect RecordAverage Rates with a Minor Speeding TicketAverage Rates with a DUI or Reckless Driving ViolationAverage 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$109N/A$129
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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.

Average Monthly Auto Insurance Rates by Vehicle Type
CompaniesAverage Rates for a 2015 Honda AccordAveraga Rates for a 2012 Porsche Boxster Spyder
Allied$38$85
Farmers$80$175
State Farm$90$183
Allstate$94$183
Liberty Mutual$94$240
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What affects auto insurance rates in Las Vegas, NV?

Road Conditions

Unfortunately, your monthly premiums 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.

Fatal Auto Accident Statistics in Las Vegas, NV
Accident TypeStatistics
Fatal Accident Count21
Vehicles Involved in Fatal Crashes31
Fatal Crashes Involving Drunk Persons6
Fatalities21
Persons Involved in Fatal Crashes39
Pedestrians Involved in Fatal Accidents8
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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.

Vehicle Theft in Las Vegas, NV

Acquiring inexpensive auto insurance 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.

Let’s take a look comparing rates for Basic and Comprehensive automobile policies.

Las Vegas, NV Monthly Average Basic vs. Comprehensive Coverage Auto Insurance Rates
CompaniesAverage Basic Coverage RatesAverage Comprehensive Coverage Rates
Allied$38$77
Farmers$80$160
State Farm$90$166
Allstate$94$170
Liberty Mutual$94$227
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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 Allstate America’s Best Drivers Report, 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, car insurance? To buy Las Vegas, NV, car 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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Frequently Asked Questions: Cheap Auto Insurance in Las Vegas, NV

#1 – Who has the cheapest auto insurance in Las Vegas?

On average, Geico has the cheapest auto insurance in Las Vegas 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 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 rates.