Average car insurance cost in Las Vegas
Full coverage car insurance in Las Vegas costs an average of $4,472 per year, or $373 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $1,323 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $2,236 |
| Average annual premium | $4,472 |
| State minimum premium | $1,323 |
Cheapest car insurance companies in Las Vegas
Travelers is the cheapest car insurance company in Las Vegas, with an average full coverage rate of $2,902 per year. GEICO is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Las Vegas.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $1,451 | $2,902 |
| GEICO | $1,723 | $3,446 |
| American Family | $1,821 | $3,641 |
| Mercury Insurance | $2,213 | $4,426 |
| Progressive | $2,516 | $5,033 |
| State Farm | $2,686 | $5,372 |
| Farmers | $2,713 | $5,426 |
| Allstate | $2,796 | $5,592 |
| CSAA Insurance (AAA) | $4,040 | $8,079 |
| USAA | $1,134 | $2,268 |
Cheapest car insurance cost in Las Vegas by age group
The cheapest car insurance company in Las Vegas varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Travelers is cheapest for teens, Travelers for young adults, Travelers for adults, and Travelers for seniors in our rate analysis.
Take a look at the cheapest companies in Las Vegas by age group:
- Cheapest for teens: Travelers
- Cheapest for young adults: Travelers
- Cheapest for adults: Travelers
- Cheapest for seniors: Travelers
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Travelers offers the cheapest car insurance for teens at $9,745 per year.
Travelers offers the most affordable auto insurance for young adults at $4,409 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Travelers provides the lowest car insurance rates at $2,964 per year for adult drivers in Las Vegas.
Travelers offers the least expensive car insurance for senior drivers in Las Vegas, at $3,141 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Travelers | $9,745 | $4,409 | $2,964 | $3,141 |
| GEICO | $11,541 | $4,669 | $3,464 | $3,492 |
| American Family | $9,845 | $5,512 | $3,604 | $3,797 |
| Mercury Insurance | $20,473 | $8,351 | $4,637 | $4,776 |
| Progressive | $17,465 | $8,814 | $4,870 | $4,948 |
| Farmers | $26,351 | $9,886 | $5,093 | $5,844 |
| State Farm | $15,486 | $8,764 | $5,412 | $5,377 |
| Allstate | $22,100 | $8,364 | $5,579 | $6,128 |
| CSAA Insurance (AAA) | $27,375 | $12,293 | $7,831 | $7,548 |
| USAA | $7,792 | $3,677 | $2,298 | $2,440 |
Cheapest car insurance companies in Las Vegas by driver profile
The cheapest car insurance company in Las Vegas depends on the driver's record and credit profile. Travelers is cheapest after an at-fault accident, Travelers after a DUI, and Travelers after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Las Vegas by driver profile.
- Cheapest for poor credit: Travelers
- Cheapest for an at-fault accident: Travelers
- Cheapest for a DUI: Travelers
- Cheapest for a driver with a speeding ticket: Travelers
Cheapest for a driver with poor credit: Travelers
Drivers with poor credit in Las Vegas can find the lowest average car insurance rate from Travelers at $4,821 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Las Vegas.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $2,411 | $4,821 |
| GEICO | $2,672 | $5,344 |
| American Family | $2,922 | $5,843 |
| Mercury Insurance | $3,232 | $6,463 |
| Progressive | $4,279 | $8,557 |
| Allstate | $5,180 | $10,361 |
| Farmers | $5,376 | $10,752 |
| CSAA Insurance (AAA) | $6,009 | $12,018 |
| State Farm | $11,467 | $22,935 |
| USAA | $2,483 | $4,966 |
Cheapest auto insurance after an at-fault accident: Travelers
In Las Vegas, Travelers offers the cheapest car insurance for drivers with an at-fault accident at $4,080 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Las Vegas.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $2,040 | $4,080 |
| American Family | $3,050 | $6,100 |
| State Farm | $3,100 | $6,199 |
| GEICO | $3,536 | $7,073 |
| Progressive | $3,827 | $7,655 |
| Allstate | $3,841 | $7,681 |
| Mercury Insurance | $4,125 | $8,250 |
| Farmers | $4,236 | $8,472 |
| CSAA Insurance (AAA) | $6,783 | $13,566 |
| USAA | $1,587 | $3,174 |
Cheapest auto insurance after a DUI: Travelers
Travelers offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $4,488 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Las Vegas.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $2,244 | $4,488 |
| State Farm | $2,873 | $5,747 |
| American Family | $2,999 | $5,998 |
| Progressive | $3,539 | $7,078 |
| Allstate | $3,800 | $7,599 |
| Mercury Insurance | $3,925 | $7,849 |
| GEICO | $4,257 | $8,514 |
| Farmers | $5,261 | $10,523 |
| CSAA Insurance (AAA) | $5,660 | $11,320 |
| USAA | $2,297 | $4,595 |
Cheapest for drivers with a speeding ticket: Travelers
Travelers offers the cheapest car insurance at $4,268 in Las Vegas for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $2,134 | $4,268 |
| American Family | $2,327 | $4,654 |
| State Farm | $2,873 | $5,747 |
| Allstate | $3,111 | $6,222 |
| Mercury Insurance | $3,115 | $6,229 |
| Progressive | $3,236 | $6,473 |
| Farmers | $3,516 | $7,032 |
| GEICO | $4,101 | $8,203 |
| CSAA Insurance (AAA) | $5,296 | $10,592 |
| USAA | $1,332 | $2,665 |
Car insurance discounts for Las Vegas drivers
The biggest car insurance discount available in Las Vegas is for the Student Away At School category at 34%, offered by State Farm.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Las Vegas drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Farmers | $3,712 | $3,679 | 1% | $33 |
| Air Bags | Progressive | $3,739 | $3,686 | 1% | $53 |
| Air Bags | Allstate | $4,102 | $4,069 | 1% | $33 |
| Air Bags | CSAA Insurance (AAA) | $7,558 | $7,502 | 1% | $56 |
| Comp and Coll Deductibles | Travelers | $2,222 | $2,097 | 6% | $125 |
| Comp and Coll Deductibles | GEICO | $2,769 | $2,571 | 7% | $198 |
| Comp and Coll Deductibles | American Family | $2,848 | $2,706 | 5% | $142 |
| Comp and Coll Deductibles | Progressive | $3,739 | $3,387 | 9% | $352 |
| Comp and Coll Deductibles | Farmers | $3,712 | $3,630 | 2% | $81 |
| Comp and Coll Deductibles | State Farm | $3,875 | $3,750 | 3% | $125 |
| Comp and Coll Deductibles | Allstate | $4,102 | $3,822 | 7% | $281 |
| Comp and Coll Deductibles | CSAA Insurance (AAA) | $7,558 | $6,721 | 11% | $837 |
| Days Advanced Purchase | Travelers | $2,222 | $2,162 | 3% | $60 |
| Days Advanced Purchase | American Family | $2,848 | $2,626 | 8% | $221 |
| Days Advanced Purchase | Farmers | $3,712 | $3,527 | 5% | $185 |
| Days Advanced Purchase | Progressive | $3,739 | $3,626 | 3% | $114 |
| Days Advanced Purchase | Allstate | $4,102 | $3,700 | 10% | $403 |
| Days Advanced Purchase | CSAA Insurance (AAA) | $7,558 | $6,826 | 10% | $733 |
| Education | GEICO | $2,769 | $2,123 | 23% | $647 |
| Education | Progressive | $3,739 | $3,590 | 4% | $149 |
| Electronic Funds Transfer | Travelers | $2,222 | $2,178 | 2% | $45 |
| Electronic Funds Transfer | Farmers | $3,712 | $3,637 | 2% | $74 |
| Electronic Funds Transfer | Allstate | $4,102 | $3,877 | 5% | $225 |
| Electronic Signature | Progressive | $3,739 | $3,366 | 10% | $374 |
| Homeowner | American Family | $2,848 | $2,737 | 4% | $111 |
| Homeowner | Progressive | $3,739 | $3,637 | 3% | $103 |
| Homeowner | Farmers | $3,712 | $3,675 | 1% | $37 |
| Homeowner | Allstate | $4,102 | $3,751 | 9% | $351 |
| Homeowner | CSAA Insurance (AAA) | $7,558 | $7,192 | 5% | $366 |
| Lower Annual Mileage | Travelers | $2,222 | $2,074 | 7% | $148 |
| Lower Annual Mileage | GEICO | $2,769 | $2,704 | 2% | $66 |
| Lower Annual Mileage | American Family | $2,848 | $2,722 | 4% | $125 |
| Lower Annual Mileage | Allstate | $4,102 | $3,454 | 16% | $649 |
| Lower Annual Mileage | State Farm | $3,875 | $3,513 | 9% | $362 |
| Lower Annual Mileage | Progressive | $3,739 | $3,573 | 4% | $166 |
| Loyalty - Years Renewal With Company | State Farm | $3,875 | $3,535 | 9% | $340 |
| Loyalty - Years Renewal With Company | Progressive | $3,739 | $3,690 | 1% | $49 |
| Marital Status | American Family | $2,848 | $2,466 | 13% | $382 |
| Marital Status | Progressive | $3,739 | $3,305 | 12% | $435 |
| Marital Status | Allstate | $4,102 | $3,998 | 3% | $105 |
| Marital Status | CSAA Insurance (AAA) | $7,558 | $6,918 | 8% | $641 |
| Multi Policy | Travelers | $2,222 | $2,061 | 7% | $161 |
| Multi Policy | American Family | $2,848 | $2,589 | 9% | $259 |
| Multi Policy | GEICO | $2,769 | $2,654 | 4% | $115 |
| Multi Policy | Farmers | $3,712 | $3,181 | 14% | $531 |
| Multi Policy | Progressive | $3,739 | $3,414 | 9% | $326 |
| Multi Policy | State Farm | $3,875 | $3,499 | 10% | $376 |
| Multi Policy | Allstate | $4,102 | $3,599 | 12% | $503 |
| Multi Policy | CSAA Insurance (AAA) | $7,558 | $6,844 | 9% | $714 |
| Paperless/Electornic Documents | American Family | $2,848 | $2,693 | 5% | $155 |
| Paperless/Electornic Documents | Farmers | $3,712 | $3,490 | 6% | $222 |
| Paperless/Electornic Documents | Progressive | $3,739 | $3,704 | 1% | $35 |
| Paperless/Electornic Documents | Allstate | $4,102 | $3,899 | 5% | $203 |
| Payment Type | Travelers | $2,222 | $2,111 | 5% | $111 |
| Payment Type | American Family | $2,848 | $2,578 | 9% | $269 |
| Payment Type | Farmers | $3,712 | $3,527 | 5% | $185 |
| Payment Type | Allstate | $4,102 | $3,798 | 7% | $305 |
| Payment Type | CSAA Insurance (AAA) | $7,558 | $6,986 | 8% | $572 |
| Primary Use | Travelers | $2,222 | $2,112 | 5% | $110 |
| Primary Use | American Family | $2,848 | $2,676 | 6% | $172 |
| Primary Use | State Farm | $3,875 | $3,440 | 11% | $435 |
| Primary Use | Progressive | $3,739 | $3,695 | 1% | $45 |
| Profession | GEICO | $2,769 | $2,483 | 10% | $286 |
| Profession | Progressive | $3,739 | $3,044 | 19% | $695 |
| Safety Devices | Travelers | $2,222 | $2,175 | 2% | $47 |
| Safety Devices | American Family | $2,848 | $2,771 | 3% | $77 |
| Safety Devices | Progressive | $3,739 | $3,598 | 4% | $142 |
| Safety Devices | Farmers | $3,712 | $3,679 | 1% | $33 |
| Telematics | American Family | $2,848 | $2,578 | 9% | $269 |
| Telematics | Progressive | $3,739 | $3,366 | 10% | $374 |
| Telematics | State Farm | $3,875 | $3,609 | 7% | $266 |
| Telematics | Allstate | $4,102 | $3,780 | 8% | $322 |
| Telematics | CSAA Insurance (AAA) | $7,558 | $6,826 | 10% | $733 |
| Years Insured | Travelers | $2,222 | $1,495 | 33% | $728 |
| Years Insured | American Family | $2,848 | $2,112 | 26% | $736 |
| Years Insured | GEICO | $2,769 | $2,425 | 12% | $345 |
| Years Insured | Farmers | $3,712 | $3,285 | 12% | $427 |
| Years Insured | Progressive | $3,739 | $3,305 | 12% | $434 |
| Years Insured | Allstate | $4,102 | $3,506 | 15% | $596 |
| Years Insured | CSAA Insurance (AAA) | $7,558 | $7,282 | 4% | $276 |
How to get cheap car insurance in Las Vegas in 2025
To get cheap car insurance in Las Vegas in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Las Vegas by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Las Vegas.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Las Vegas
How much does car insurance cost in Las Vegas?
Car insurance costs an average of $4,472 per year or about $373 per month for full coverage in Las Vegas. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in NV?
No, you don't legally need full coverage in NV, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Las Vegas?
You can reduce your car insurance costs in Las Vegas by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in Nevada
