The average cost of full coverage car insurance in Las Vegas is $2,888 a year, which is significantly higher than the state average in Nevada, at $2,198.
Despite the higher-than-average rates in Vegas, it’s still possible to find deals on coverage. Policygenius can show you quotes from top car insurance companies so you can find a policy that fits your needs and your budget.
Cheapest car insurance companies in Las Vegas, NV
Although every insurance company looks at the same data, like your age, driving history, and ZIP code, every company has a unique formula for setting your rates.
Two different companies can look at the same driver with the same information and come up with different prices for coverage, which is why it’s so important to shop around and compare quotes before you buy.
JD Power Rating
Cheapest car insurance rates by ZIP code in Las Vegas, NV
Details about your neighborhood, like the frequency of car thefts and accidents, average repair costs, even the number of claims filed where you live will all affect what you’ll pay for car insurance.
Choosing the right car insurance company in Las Vegas, NV
The truth is that there’s no one right car insurance company out there. Every individual driver is unique, which means the cheapest company for you probably won’t be the same as your neighbor’s cheapest option.
Comparing quotes from at least a few different companies is really the only way to ensure that you are getting the best possible rates. Policygenius shows you what you’ll pay for coverage from top companies, which makes it easy to find a policy that meets your needs.
Car insurance rates for drivers with driving violations in Las Vegas, NV
Any accidents or moving violations will raise your rates, and if you have too many, or multiple serious violations, you may find it difficult to find coverage at all. Minor violations won’t make as big a difference, but serious violations can raise your rates by hundreds, or even thousands of dollars a year.
Cheapest car insurance for drivers with bad credit in Las Vegas, NV
Most insurance companies consider your credit score when setting rates, and the lower your score, the higher your premiums. If your credit score is poor, it’s even more important to shop around and compare quotes to find your most affordable rates.
Rates for drivers with bad credit
American Access Casualty Company
Buying car insurance in Las Vegas, NV
All drivers in Las Vegas must have the minimum amount of car insurance coverage required by law in Nevada, which is:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $20,000
Nevada is an at-fault state, meaning that the insurance company of the driver determined to be at fault for an accident will pay for the other party’s repair bills and medical expenses, up to the limits of the policy. That’s why it’s so important to set high liability limits, to make sure you’re fully protected if you cause an expensive accident.
How to get cheap car insurance in Las Vegas, NV
Discounts are a great way to make sure you’re getting the best rates on car insurance. Most car insurance companies offer a range of discounts, some of the most common include:
Safe driver discount
Good student discount
Low mileage discount
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.