Meredith Napolitano Andrew Hurst


Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

 & Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated May 1, 2022

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The average cost of full coverage car insurance in Las Vegas is $2,806 a year, which is significantly higher than the state average in Nevada, at $2,137.

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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.

Key Takeaways

  • Our analysis found that GEICO has the cheapest average rates for full coverage car insurance in Las Vegas

  • Driving with a suspended license or a DUI will raise your insurance rates more than any other violation, sometimes by thousands of dollars a year

  • Nevada requires at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and property damage liability coverage of $20,000

  • Nevada drivers are also required to have uninsured/underinsured motorist coverage

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.


Average cost

JD Power Rating







State Farm



COUNTRY Financial






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.

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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.




State Farm

COUNTRY Financial


At-fault accident












Suspended license






Open container






Expired registration






Driving without lights






Not showing documents






Running a red light






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




Key Insurance


COUNTRY Financial


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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:

  • Bundling discount

  • Safe driver discount

  • Good student discount

  • Multi-car discount

  • Low mileage discount

  • Paid-in-full discount

  • Military discount

Frequently asked questions

Which insurance company has the lowest average rates in Las Vegas?

GEICO has the lowest rates for coverage in Las Vegas, at an average of $1,266 a year for a full coverage policy.

How much is car insurance per month in Las Vegas?

On average, the monthly cost of car insurance in Las Vegas is $234 per month. This is more than the cost of coverage in Nevada, which is $178 per month.

Will the cost of car insurance in Las Vegas go down when I turn 25?

Rates usually drop substantially at age 25 when you enter a less risky age group and have more experience behind the wheel. This is also true in Las Vegas. But that’s typically only true for drivers who got their license as a teen, or who’ve maintained a clean driving record. If you have accidents and violations on your record, you rates may not go down as you age.

How can you get cheaper car insurance in Las Vegas?

While the cost of car insurance is expensive in Las Vegas, you can still find cheap car insurance by seeking out companies with discounts, raising your deductible, and comparing the cost of coverage from more than one company in your area.


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.