Best Cheap Auto Insurance in Las Vegas, NV (2021)
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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: May 4, 2022
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- 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.
Table of Contents
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.