Cheapest car insurance companies in Las Vegas 

After an in-depth analysis, Insurance.com found that State Farm and Geico are the cheapest car insurance companies in Las Vegas for 2023. 

State Farm offers the cheapest car insurance premium for Las Vegas drivers at an annual rate of $1,976 a year, on average. 

Car insurance prices in Las Vegas can differ based on where you live, your driving history, coverage limit, 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 Las Vegas drivers.

CompaniesAverage annual rates
USAA$1,953
State Farm$1,976
Geico$2,091
Travelers$2,672
American Family$3,084
Mercury Insurance$3,111
Progressive$3,247
Allstate$3,485

Cheapest car insurance cost in Las Vegas by Age Group 

In Las Vegas, State Farm is the cheapest car insurance company for teenagers, offering full coverage policies at $5,529 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Las Vegas at about $2,898 per year

As Las Vegas drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. State Farm stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,992

If you are a senior driver in Las Vegas and looking for a cheap car insurance company, then consider buying insurance from State Farm. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,975 per year

CompanyTeensYoung AdultsAdultsSeniors
State Farm$5,529$3,179$1,992$1,975
USAA$6,648$3,147$2,001$2,104
American Family$7,270$4,435$3,053$3,117
Geico$7,308$2,898$2,101$2,162
Travelers$9,640$4,214$2,734$2,899
Progressive$11,548$5,401$3,222$3,291
Allstate$12,286$5,492$3,580$3,541
Mercury Insurance$15,736$4,818$3,141$3,242
CSAA Insurance (AAA)$19,339N/AN/AN/A

Cheapest car insurance companies in Las Vegas by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Las Vegas. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

Comparison shopping is the key to getting the cheapest car insurance rates in Las Vegas. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Here's a list of car insurance companies that offer cheap insurance rates in Las Vegas based on driver profile. 

Drivers in Las Vegas with poor credit can get the cheapest car insurance from Geico at an average cost of $1,789 a year, according to a data study by Insurance.com.

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Las Vegas.

CompanyAverage annual rates
Geico$1,789
Nationwide$2,819
USAA$3,636
State Farm$3,729
Progressive$3,748
Travelers$4,295
Farmers$5,541
Allstate$5,768

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Las Vegas. It offers full coverage car insurance for drivers aged 30 at about $2,050 per year

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
USAA$2,050
State Farm$2,115
Nationwide$2,357
Geico$2,735
Progressive$3,204
Allstate$3,723
Travelers$3,866
Farmers$4,503

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Las Vegas drivers with at-fault accidents. It provides coverage at an average annual cost of $2,272.

CompanyAverage annual rates
State Farm$2,272
USAA$2,725
Geico$2,784
Nationwide$3,164
Travelers$3,865
Progressive$4,271
Allstate$4,818
Farmers$5,101

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Las Vegas for drivers with a DUI, with an average annual premium of $2,115.

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$2,115
Geico$3,424
USAA$3,702
Progressive$3,837
Nationwide$4,566
Travelers$4,959
Allstate$5,417
Farmers$5,894

Average car insurance cost in Las Vegas 

Full coverage car insurance in Las Vegas for a coverage limit of 100/300/100 is $2,594 per year or $216 per month, while the state minimum coverage costs an average of $1,025 a year.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,594$1,025

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

While the 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.

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