Las Vegas Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Nevada has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Las Vegas typically pay around $201.96 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Las Vegas, NV Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Country generally has the most affordable car insurance in Las Vegas coming in around $130.03 per month. Other companies to consider if you live in Las Vegas is Esurance with an average cost of $134.67 per month and Capital Insurance Group which typically runs around $142.38 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Las Vegas.

How Much is Car Insurance in Las Vegas, NV?

Rates can vary from city to city. The residents of Carson City typically pay $94.14 per month while people who live in Elko will pay $96.42 per month on average. See what people pay for car insurance in other cities in Nevada.

Cheap Car Insurance in Las Vegas by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Nevada. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Las Vegas

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $391.08 per month in Las Vegas. Compare that to drivers in their 30’s who typically pay around $179.52 per month drivers in their 40s at $180.81 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Las Vegas

If you are teen in Las Vegas you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Country typically charges around $184.68 per month. This is likely the most affordable option in Las Vegas. You might also want to consider Capital Insurance Group and Kemper Auto Premium who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Las Vegas

20 year-olds in Las Vegas might want to consider who, on average, offers car insurance rates around $132.50 per month. Country , Capital Insurance Group , State Farm and USAA are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Las Vegas

If you are in your 30s in Las Vegas our research has found that Country typically has the most affordable coverage coming in around $131.89 per month, followed by Capital Insurance Group at $132.15 and at $135.17.

Cheapest Insurance for 40 Year-olds in Las Vegas

On average, Capital Insurance Group offers car insurance for 40 year-olds in Las Vegas for around $123.55 per month. If you are looking for affordable coverage, you may also want to consider Country or USAA. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Las Vegas

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Las Vegas we found that Country generally offers the most affordable coverage at $116.18 per month.

Cheapest Insurance for 60 Year-olds in Las Vegas

If you live in Las Vegas and you’re in your 60s, our data indicates that Country usually has the best rates at $113.35 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Las Vegas, NV

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Las Vegas, the average monthly rate for a driver who is currently insured is $206.28 while drivers who are not currently covered will pay around $195.58.

Compare Recent Car Insurance Quotes in Las Vegas

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Las Vegas a driver of a 2014 Toyota Corolla can expect to pay around $173.83 per month while someone that owns a 2024 Nissan Sentra may pay around $269.17 per month. Check out the list of recent quotes in Las Vegas below.

FAQ's for Drivers in Las Vegas, NV

Las Vegas Auto Insurance Requirements

You are required to have auto liability insurance coverage in Las Vegas.

What is the Minimum Amount of Liability Coverage Requirement in Las Vegas?

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $20,000 property damage liability

What Is the Blood Alcohol Concentration (BAC) Limit in Las Vegas?

The legal blood alcohol content (BAC) level limit is .08% in Nevada. This legal BAC level limit is the same for all the states. If you have a BAC level limit of .08% and you are driving behind the wheel of a car, you could be convicted of a DUI. With a DUI conviction, you would face two days to six months in jail, a six-month suspension of your driver's license and a $35 civil penalty. With a DUI conviction, you will see your car insurance rates increase. But car insurance companies treat DUI convictions differently. Some offer lower rates than others, and SmartFinancial can help you find competitive rates with a DUI conviction by shopping multiple carriers at once.

Can I Register My Car Without Insurance in Las Vegas?

When a car's registration is valid, the car's liability insurance coverage must be in full effect. So both these items must be current at the same time. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Nevada Division of Insurance and certified by the Nevada State DMV. The insurance for your car must be issued in the name of the vehicle registrant. So the name on a car's insurance policy must be the same name that's on the car's registration.

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