Best Las Vegas, Nevada Auto Insurance in 2026
The average Las Vegas, NV auto insurance rates are $546 per month. The minimum auto insurance in Las Vegas is at least 25/50/20 in coverage to comply with Nevada auto insurance laws. To find the best cheap auto insurance in Las Vegas, Nevada, compare quotes from multiple companies.
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Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Travis Thompson
Updated September 2024
- The most expensive auto insurance company in Las Vegas for teen drivers is Travelers
- The average commute length in Las Vegas is 26.1 minutes
- Average auto insurance rates in Las Vegas, NV for senior drivers are $3,576 per year
Las Vegas, Nevada auto insurance requirements are 25/50/20 according to Nevada auto insurance laws. Finding cheap auto insurance in Las Vegas can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Las Vegas, Nevada, including driving record, credit, commute time, and more.
Compare auto insurance in Las Vegas to other Nevada cities, including Boulder City auto insurance rates, Carson City auto insurance rates, and Las Vegas auto insurance rates to see how Las Vegas, Nevada auto insurance rates stack up.
Before you buy Las Vegas, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Las Vegas, Nevada auto insurance quotes.
Minimum Auto Insurance in Las Vegas, Nevada
Las Vegas, Nevada auto insurance laws require that you have at least the Nevada minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Las Vegas, Nevada.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Las Vegas, Nevada Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Las Vegas, Nevada are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,236 | $4,182 | $3,961 | $4,181 | $14,177 | $17,070 | $4,490 | $4,691 |
| American Family | $4,278 | $4,278 | $3,819 | $3,819 | $14,474 | $18,921 | $4,278 | $4,895 |
| Farmers | $5,038 | $5,183 | $4,611 | $5,235 | $16,811 | $17,935 | $6,703 | $6,647 |
| Geico | $3,382 | $3,280 | $3,477 | $3,597 | $8,413 | $7,614 | $3,331 | $2,801 |
| Liberty Mutual | $4,176 | $4,529 | $4,194 | $4,768 | $19,663 | $21,960 | $4,691 | $4,860 |
| Nationwide | $3,157 | $3,221 | $2,876 | $3,050 | $7,971 | $9,542 | $3,779 | $4,031 |
| Progressive | $2,983 | $2,520 | $2,590 | $2,591 | $13,100 | $14,168 | $3,444 | $3,102 |
| State Farm | $4,689 | $4,689 | $4,274 | $4,274 | $14,618 | $18,719 | $5,258 | $5,849 |
| Travelers | $2,908 | $2,947 | $2,788 | $2,791 | $16,261 | $26,881 | $3,218 | $3,518 |
| USAA | $2,409 | $2,361 | $2,326 | $2,301 | $6,465 | $7,273 | $3,054 | $3,238 |
Cheap Las Vegas, Nevada Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Las Vegas, Nevada is a challenge. Take a look at the annual teen auto insurance rates in Las Vegas, Nevada.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,177 | $17,070 |
| American Family | $14,474 | $18,921 |
| Farmers | $16,811 | $17,935 |
| Geico | $8,413 | $7,614 |
| Liberty Mutual | $19,663 | $21,960 |
| Nationwide | $7,971 | $9,542 |
| Progressive | $13,100 | $14,168 |
| State Farm | $14,618 | $18,719 |
| Travelers | $16,261 | $26,881 |
| USAA | $6,465 | $7,273 |
Cheap Las Vegas, Nevada Auto Insurance for Seniors
What are senior auto insurance rates in Las Vegas, Nevada? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,961 | $4,181 |
| American Family | $3,819 | $3,819 |
| Farmers | $4,611 | $5,235 |
| Geico | $3,477 | $3,597 |
| Liberty Mutual | $4,194 | $4,768 |
| Nationwide | $2,876 | $3,050 |
| Progressive | $2,590 | $2,591 |
| State Farm | $4,274 | $4,274 |
| Travelers | $2,788 | $2,791 |
| USAA | $2,326 | $2,301 |
Cheap Las Vegas, Nevada Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Las Vegas, Nevada compared to the annual auto insurance rates with a clean record in Las Vegas, Nevada.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,027 | $7,128 | $8,528 | $6,811 |
| American Family | $5,904 | $8,185 | $8,810 | $6,481 |
| Farmers | $7,081 | $9,051 | $9,428 | $8,521 |
| Geico | $3,074 | $5,039 | $6,049 | $3,786 |
| Liberty Mutual | $6,264 | $10,082 | $10,116 | $7,960 |
| Nationwide | $3,771 | $4,855 | $6,063 | $4,124 |
| Progressive | $4,615 | $6,412 | $5,830 | $5,392 |
| State Farm | $7,073 | $8,519 | $7,796 | $7,796 |
| Travelers | $5,458 | $8,172 | $10,450 | $6,576 |
| USAA | $2,778 | $3,513 | $5,282 | $3,140 |
Cheap Las Vegas, Nevada Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Las Vegas, Nevada is not easy. Compare the annual rates for DUI auto insurance in Las Vegas, Nevada to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,528 |
| American Family | $8,810 |
| Farmers | $9,428 |
| Geico | $6,049 |
| Liberty Mutual | $10,116 |
| Nationwide | $6,063 |
| Progressive | $5,830 |
| State Farm | $7,796 |
| Travelers | $10,450 |
| USAA | $5,282 |
Cheap Las Vegas, Nevada Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Las Vegas, Nevada annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,346 | $6,517 | $5,507 |
| American Family | $9,050 | $6,963 | $6,023 |
| Farmers | $10,046 | $7,998 | $7,517 |
| Geico | $5,416 | $4,487 | $3,557 |
| Liberty Mutual | $12,387 | $7,544 | $5,885 |
| Nationwide | $5,556 | $4,588 | $3,966 |
| Progressive | $6,102 | $5,475 | $5,110 |
| State Farm | $14,199 | $5,608 | $3,582 |
| Travelers | $8,369 | $7,519 | $7,105 |
| USAA | $5,234 | $3,186 | $2,615 |
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Cheap Las Vegas, Nevada Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Las Vegas, Nevada can vary. Compare the annual cost of auto insurance by ZIP code in Las Vegas, Nevada to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 89101 | $7,487 |
| 89102 | $7,376 |
| 89104 | $7,360 |
| 89106 | $7,374 |
| 89107 | $7,255 |
| 89108 | $6,830 |
| 89110 | $7,189 |
| 89117 | $6,861 |
| 89124 | $5,228 |
| 89128 | $6,592 |
| 89129 | $6,215 |
| 89130 | $6,440 |
| 89131 | $6,017 |
| 89134 | $6,069 |
| 89138 | $6,130 |
| 89143 | $5,908 |
| 89144 | $6,124 |
| 89145 | $6,586 |
| 89146 | $7,074 |
| 89149 | $6,034 |
| 89156 | $6,904 |
| 89158 | $6,508 |
| 89161 | $6,462 |
| 89165 | $6,119 |
| 89166 | $5,539 |
| 89179 | $6,584 |
| 89199 | $6,285 |
Cheap Las Vegas, Nevada Auto Insurance Rates By Commute
Commute length and annual mileage affect Las Vegas, Nevada auto insurance. Find the cheapest annual Las Vegas, Nevada auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,123 | $7,123 |
| American Family | $7,241 | $7,449 |
| Farmers | $8,520 | $8,520 |
| Geico | $4,404 | $4,570 |
| Liberty Mutual | $8,605 | $8,605 |
| Nationwide | $4,703 | $4,703 |
| Progressive | $5,562 | $5,562 |
| State Farm | $7,562 | $8,031 |
| Travelers | $7,664 | $7,664 |
| USAA | $3,630 | $3,727 |
Cheap Las Vegas, Nevada Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Las Vegas, Nevada? Check out the comparison of annual Las Vegas, Nevada auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,922 | $7,268 | $8,179 |
| American Family | $6,906 | $7,788 | $7,342 |
| Farmers | $7,553 | $8,400 | $9,608 |
| Geico | $3,928 | $4,358 | $5,174 |
| Liberty Mutual | $7,664 | $8,475 | $9,677 |
| Nationwide | $4,547 | $4,704 | $4,859 |
| Progressive | $4,680 | $5,301 | $6,706 |
| State Farm | $7,015 | $7,764 | $8,610 |
| Travelers | $6,785 | $7,680 | $8,528 |
| USAA | $3,218 | $3,635 | $4,182 |
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Best By Category: Cheapest Auto Insurance in Las Vegas, Nevada
Compare the cheapest auto insurance companies in Las Vegas, Nevada in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Las Vegas, Nevada Auto Insurance Companies
What auto insurance companies in Las Vegas, Nevada are the cheapest? Compare the top Las Vegas, Nevada auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,123 |
| American Family | $7,345 |
| Farmers | $8,520 |
| Geico | $4,487 |
| Liberty Mutual | $8,605 |
| Nationwide | $4,703 |
| Progressive | $5,562 |
| State Farm | $7,796 |
| Travelers | $7,664 |
| USAA | $3,678 |
What affects auto insurance rates in Las Vegas, Nevada?
There are a lot of reasons why auto insurance rates in Las Vegas, Nevada are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Las Vegas, Nevada. Many local factors may affect your Las Vegas auto insurance rates.
Las Vegas Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Las Vegas, Nevada commute length is 26.1 minutes according to City-Data.
Las Vegas Traffic
How does Las Vegas, Nevada rank for traffic? According to Inrix Las Vegas, Nevada is the 477th most congested worldwide.
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Compare Las Vegas, Nevada Auto Insurance Quotes
Before you buy Las Vegas, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Las Vegas, Nevada auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Las Vegas, Nevada?
The minimum auto insurance requirements in Las Vegas, Nevada, according to state laws, are 25/50/20. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
How are auto insurance rates in Las Vegas, Nevada affected by age, gender, and marital status?
Auto insurance rates in Las Vegas, Nevada can be affected by factors such as age, gender, and marital status. Generally, younger drivers, male drivers, and single drivers may have higher insurance rates compared to older drivers, female drivers, and married drivers. These factors are considered by insurance companies when calculating premiums.
Are there any specific challenges in finding cheap auto insurance for teen drivers in Las Vegas, Nevada?
Finding cheap auto insurance for teen drivers in Las Vegas, Nevada can be challenging. Teenagers are considered high-risk drivers due to their limited driving experience. Insurance rates for teen drivers are typically higher than those for more experienced drivers. However, comparing quotes from multiple companies and exploring available discounts can help find more affordable options.
How does a driving record impact auto insurance rates in Las Vegas, Nevada?
Your driving record has a significant impact on auto insurance rates in Las Vegas, Nevada. If you have a clean driving record with no accidents or traffic violations, you are likely to receive lower insurance rates. However, a history of accidents, tickets, or DUI convictions can result in higher premiums. Maintaining a safe driving record is essential for securing affordable auto insurance.
Does credit history affect auto insurance rates in Las Vegas, Nevada?
Yes, credit history can have an impact on auto insurance rates in Las Vegas, Nevada. Insurance companies often consider credit scores when determining premiums. Individuals with good credit history are generally seen as more responsible and may receive lower insurance rates. On the other hand, individuals with poor credit may face higher premiums. It’s important to maintain good credit to potentially secure lower auto insurance rates.
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