Las Vegas Car Insurance

How much does car insurance cost in Las Vegas, NV? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Las Vegas?

Las Vegas is the largest city in the state of Nevada and is famous for its 24-hour casinos, luxury resorts and theme hotels along the Las Vegas Strip. There are numerous shows and concerts in Las Vegas with many big-name entertainers arriving in Vegas to put on shows. If you are visiting Las Vegas, you may not need to leave your hotel. In addition to having outdoor pools and beach clubs, hotels here have theaters for concerts and shows. And many hotels have casinos right inside. But there is more to Vegas than the Las Vegas Strip. You can go rock climbing at Red Rock Canyon, hike the Valley of Fire State Park, explore downtown Las Vegas and bicycle the River Mountain Loop Trail. Love a good view? The Stratosphere Observation Deck is the tallest freestanding observation tower in the United States and you'll get 360 degrees views of Las Vegas and the desert beyond. Love gardens? Springs Preserve has several gardens featuring the largest collection of Mojave Desert cacti and other plants in the region. The garden includes a hiking trail and a butterfly habitat so there is plenty to see.

You'll find mass transit options in Las Vegas, but nothing beats getting around in your own car. Are you looking for ways to save money on car insurance? SmartFinancial can help. SmartFinancial has access to more than 200 insurance companies and you're bound to find the lower car insurance rate that you want.

Here's what you need to know about driving your car in Las Vegas.

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 $168.84 per month compared to the national average of $134.05 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.

AreaAverage Monthly Rate
National $134.05
Nevada $153.71
Las Vegas, Nevada $168.84

Las Vegas, NV Best Car Insurance Companies

car insurance in Las Vegas

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, Capital Insurance Group generally has the most affordable car insurance in Las Vegas coming in around $128.98 per month. Other companies to consider if you live in Las Vegas is USAA with an average cost of $129.95 per month and State Farm which typically runs around $171.74 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Las Vegas.

RankCompanyAverage Monthly RateComparison State Average
1 Capital Insurance Group $128.98-16.08%
2 USAA $129.95-15.46%
3 State Farm $171.7411.73%
4 Country $180.5617.47%
5 Travelers $205.1733.48%
6 Metropolitan $256.2766.73%
7 SAFECO $260.7169.62%
8 Mercury $286.0086.07%
9 Liberty Mutual $286.3386.29%
10 Allstate $286.5586.43%

How Much is Car Insurance in Las Vegas, NV?

how much is auto insurance in Las Vegas

Rates can vary from city to city. The residents of Carson City typically pay $78.32 per month while people who live in Henderson will pay $147.48 per month on average. See what people pay for car insurance in other cities in Nevada.

Nevada CitiesMonthly Average Rate
Carson City $78.32
Henderson $147.48
Las Vegas $168.92
North Las Vegas $170.16
Reno $102.57

Cheap Car Insurance in Las Vegas by Zip Codes

find cheap auto insurance in Las Vegas

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.

Las Vegas, NV ZIP CodeAverage Monthly Rate

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 $369.33 per month in Las Vegas. Compare that to drivers in their 30’s who typically pay around $146.15 per month drivers in their 40s at $139.37 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.

Age GroupAverage Monthly Rate

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, Capital Insurance Group typically charges around $274.78 per month. This is likely the most affordable option in Las Vegas. You might also want to consider USAA and Country who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Capital Insurance Group$274.78
State Farm$429.62

Cheapest Insurance for 20 Year-olds in Las Vegas

20 year-olds in Las Vegas might want to consider USAA who, on average, offers car insurance rates around $169.75 per month. Capital Insurance Group , State Farm , Country and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Capital Insurance Group$185.75
State Farm$223.63

Cheapest Insurance for 30 Year-olds in Las Vegas

If you are in your 30s in Las Vegas our research has found that Capital Insurance Group typically has the most affordable coverage coming in around $120.08 per month, followed by USAA at $123.16 and Kemper Auto Premium at $130.67.

CompanyAverage Monthly Rate
Capital Insurance Group$120.08
Kemper Auto Premium$130.67
State Farm$151.04

Cheapest Insurance for 40 Year-olds in Las Vegas

On average, Mercury Insurance offers car insurance for 40 year-olds in Las Vegas for around $99.33 per month. If you are looking for affordable coverage, you may also want to consider Kemper Auto Premium or Capital Insurance Group. The full list of top companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$99.33
Kemper Auto Premium$101.50
Capital Insurance Group$107.75

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 USAA generally offers the most affordable coverage at $104.89 per month.

CompanyAverage Monthly Rate
Capital Insurance Group$105.03
Kemper Auto Premium$126.33

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 Capital Insurance Group usually has the best rates at $98.45 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Capital Insurance Group$98.45
State Farm$137.55

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

driver's coverage

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 $138.46 while drivers who are not currently covered will pay around $208.56.

CoverageAverage Monthly Rate
Not Currently Insured $208.56
Currently Insured $138.46

Compare Recent Car Insurance Quotes in Las Vegas

auto insurance quotes in Las Vegas city

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 2009 Mazda 3 can expect to pay around $226.01 per month while someone that owns a 2009 Mazda 3 may pay around $397.64 per month. Check out the list of recent quotes in Las Vegas below.

VehicleAverage Monthly Rate
2009 Mazda 3$226.01
2009 Mazda 3$397.64
2009 Mazda 3$499.68
2009 Mazda 3$226.01
2015 Hyundai Santa Fe Sport$114.73
2001 Toyota Prius$342.24
2001 Toyota Prius$280.80
2001 Toyota Prius$151.67
2001 Toyota Prius$159.84
2004 Toyota CAMRY$98.17

FAQ's for Drivers in Las Vegas, NV

driver’s frequently asked question in Las Vegas

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.


Commute Time in Las Vegas, NV

25.4 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Las Vegas, NV


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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