Who Has the Cheapest Car Insurance Rates in Las Vegas, Nevada?
As Nevada ‘s most populous city, Las Vegas residents pay more for car insurance than drivers in early parts of the state. minimal coverage in Las Vegas costs $ 1,440 per year, making it 40 % more expensive than the Nevada country average of $ 1,032 per year. however, drivers can help offset this price by shopping round .
Insurers tailor rates to a driver ‘s person gamble profile, taking into bill everything from where they live to their credit score and accident history. The best room to make surely you get a good deal is to shop around and obtain quotes from multiple companies .
Cheapest auto insurance in Las Vegas: State Farm
State Farm has the cheapest rates for a minimal coverage policy in Las Vegas. Minimum coverage from the insurance company costs $ 871 a year — 40 % less than the city average of $ 1,440.
Progressive has the second-most low-cost rates for minimal coverage. At $ 1,001 per class, that breaks down to $ 11 more per calendar month than State Farm. USAA came in third, with an average premium of $ 1,056 per year .
however, USAA is only available to people who are presently serving in the military, those who have previously served and blue-ribbon family members, so only reach out for a quote if this describes you .
Compare Car Insurance Rates in Las Vegas
presently insured ?
|
Insurer |
Annual Cost |
|
|---|---|---|
 |
State Farm | $871 |
 |
Progressive | $1,001 |
 |
American Family | $1,417 |
 |
AAA | $1,644 |
 |
Allstate | $1,670 |
Show All Rows
Cheapest full coverage car insurance in Las Vegas: State Farm
Las Vegas drivers who opt for a full coverage policy will probable get the cheapest rates from State Farm. At $ 2,011 per class, its rates were $ 2,000 cheaper than the full coverage modal in the city, and $ 425 cheaper than Progressive, the second-most low-cost insurance company .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $2,011 |
| 2 | Progressive | $2,436 |
| 3 | Geico | $3,485 |
| 4 | American Family | $3,751 |
| 5 | AAA | $5,711 |
| 6 | Allstate | $5,800 |
| 7 | Farmers | $6,586 |
| N/A | USAA* | $2,304 |
Full coverage adds comprehensive and collision coverages on top of the mandate minimum policy required by Nevada police. These coverages ensure that your own car is protected, not barely the other driver ‘s car .
- Comprehensive coverage: Pays for damage to your car that doesn’t result from a crash, such as vandalism or animal damage.
- Collision coverage: Pays for damage after a crash, regardless of who is at fault and whether you crash into another driver or a stationary object.
{ “ backgroundColor ” : ” ice ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EFull coverage adds comprehensive examination and collision coverages on top of the \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — settle ShortcodeLink — black\ ” title=\ ” compulsory minimum insurance\ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/auto-insurance\/nevada\/requirements\ ” \u003Emandatory minimum insurance\u003C\/a\u003E\u003C\/span\u003E required by Nevada police. These coverages ensure that your own car is protected, not equitable the other driver ‘s car.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeList — settle \ ” \u003E\n\n \u003Cdiv class=\ ” ShortcodeList — content\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeList — column\ ” \u003E\n \u003Cul class=\ ” ListUnordered — root ListUnordered — bullet\ ” \u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n \u003Cstrong\u003EComprehensive coverage\u003C\/strong\u003E : Pays for price to your car that does n’t result from a crash, such as vandalism or animal damage.\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n \u003Cstrong\u003ECollision coverage\u003C\/strong\u003E : Pays for damage after a doss, careless of who is at fault and whether you crash into another driver or a stationary object.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n ”, ” padding ” : ” double ” }
Cheapest car insurance for drivers with prior incidents
If you have an incident on your drive record, insurers interpret this as a sign of increased risk and may raise your rates to account for that. Las Vegas drivers are no exception ; if you have been in an accident or have received some kind of citation, you ‘ll likely pay higher rates than drivers with a houseclean criminal record .
With this in mind, we recommend the follow insurers for drivers who have :
Cheapest car insurance in Las Vegas after an accident: State Farm
After a Las Vegas driver gets into an at-fault accident, rates increase by an average 55 %, from $ 4,011 per class to $ 6,235 per year .
however, you can get much cheaper coverage from State Farm. Our sample driver with an at-fault accident on his record was quoted an annual bounty of $ 2,394 — about $ 4,000 less than the city average .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $2,394 |
| 2 | Progressive | $3,997 |
| 3 | Geico | $5,840 |
| 4 | American Family | $6,887 |
| 5 | Allstate | $8,105 |
| 6 | Farmers | $9,424 |
| 7 | AAA | $10,092 |
| N/A | USAA* | $3,139 |
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets indicate to your policy caller that you ‘re will to engage in hazardous behavior while driving. If you ‘re caught speed, your rates will likely increase .
Our analysis found that average cable car insurance rates in Las Vegas go up by 24 % after a travel rapidly ticket .
State Farm offers the best rates after a rush ticket. At $ 2,202 per class, State Farm ‘s rates were 56 % cheaper than the city average of $ 4,973 .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $2,202 |
| 2 | Progressive | $3,362 |
| 3 | American Family | $4,476 |
| 4 | Geico | $4,773 |
| 5 | Allstate | $6,481 |
| 6 | AAA | $7,458 |
| 7 | Farmers | $8,320 |
| N/A | USAA* | $2,709 |
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence ( DUI ) risks not merely your life, but the lives of those around you on the road. That ‘s why insurers tend to raise rates so precipitously after you receive a DUI citation. In Las Vegas, rates jump by 60 % — more than they increase after an at-fault accident ( 55 % ) and army for the liberation of rwanda more than they rise after a speed ticket ( 24 % ) .
State Farm stands out for its low-cost coverage for drivers who have received a DUI. Rates increase by equitable 10 %, from $ 2,011 per class to $ 2,202 per class. That ‘s merely $ 16 more per calendar month. To put that in position : progressive, the second-cheapest insurance company for Las Vegans with a DUI on their record, increased rates by 49 %, from $ 2,436 annually to $ 3,623 annually .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $2,202 |
| 2 | Progressive | $3,623 |
| 3 | Geico | $7,319 |
| 4 | American Family | $7,394 |
| 5 | AAA | $7,951 |
| 6 | Allstate | $7,970 |
| 7 | Farmers | $10,180 |
| N/A | USAA* | $4,764 |
Cheapest car insurance for drivers with poor credit: State Farm
In certain states, including Nevada, insurers use non-driving factors like your credit score to determine your risk. Las Vegas drivers with identical good credit pay $ 1,103 per year on average for cable car insurance, while drivers with inadequate citation pay $ 3,624 .
Las Vegas residents with poor credit will likely find their best rates with State Farm. A entire coverage policy for a driver with a low recognition score costs $ 2,281 per class, which is 37 % cheaper than the city average .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $2,281 |
| 2 | Progressive | $2,367 |
| 3 | Geico | $2,989 |
| 4 | American Family | $3,523 |
| 5 | Farmers | $4,556 |
| 6 | Allstate | $4,558 |
| 7 | AAA | $5,670 |
| N/A | USAA* | $3,047 |
Cheapest minimum car insurance for young drivers: State Farm
youthful drivers normally cost more to insure, in large part because they have less experience behind the wheel and pose a greater risk. In Las Vegas, young drivers can expect to pay around $ 12,920 per year on modal for full coverage car policy .
State Farm offers rates that are half as expensive, charging $ 6,267 per year for wax coverage. That puts $ 6,653 per year binding in drivers ‘ pockets .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $6,267 |
| 2 | Geico | $8,444 |
| 3 | Progressive | $11,413 |
| 4 | AAA | $13,518 |
| 5 | Farmers | $15,935 |
| 6 | Allstate | $20,675 |
| 7 | American Family | $21,177 |
| N/A | USAA* | $5,933 |
adolescent drivers can reduce their annual car policy premiums by staying on a family policy or taking an extra driver ‘s education class, beyond what is required to get a license .
Best auto insurance companies in Las Vegas
In summation to cheap rates, it ‘s important to prioritize an insurance company that can provide authentic customer serve. Among the top companies we looked at in Nevada, American Family, USAA and State Farm have the best-rated customer service .
Respondents to our home survey particularly liked american Family, with 86 % saying that they were “ extremely quenched ” with their most holocene claim .
Check out our analysis of the customer service of the top insurance companies in Nevada .
Average car insurance costs in Las Vegas by neighborhood
Insurers set your cable car indemnity rates not entirely by which city you live in, but which ZIP code you live in within that city. Drivers in areas that experience higher traffic or more car larceny generally pay higher rates .
Drivers in the most expensive ZIP code in Las Vegas, 89106, pay $ 4,494 per year, while those in the cheapest travel rapidly code in Las Vegas pay $ 3,455. That ‘s 23 % less, or $ 1,039 per year .
|
ZIP code |
Full coverage annual premium |
Minimum coverage annual premium |
|---|---|---|
| 89101 | $4,447 | $1,568 |
| 89102 | $4,482 | $1,599 |
| 89104 | $4,454 | $1,576 |
| 89106 | $4,494 | $1,574 |
| 89107 | $4,325 | $1,576 |
Show All Rows
Auto theft statistics in Las Vegas
While Las Vegas is the most populous city in Nevada, Reno has a higher rate of car larceny, according to our analysis of FBI crime data. In Las Vegas, approximately 4.39 cars get stolen for every 1,000 residents .
|
City |
Population |
Motor vehicle thefts in 2019 |
Thefts per 1,000 people |
|---|---|---|---|
| Reno | 254,349 | 1,179 | 4.64 |
| North Las Vegas | 249,854 | 1,113 | 4.45 |
| Las Vegas | 1,666,803 | 7,311 | 4.39 |
| Sparks | 106,010 | 376 | 3.55 |
| Elko | 20,601 | 73 | 3.54 |
Show All Rows
Frequently Asked Questions
What is the cheapest car insurance provider in Las Vegas?
Progressive has the best average pace in Las Vegas for minimal liability coverage, at $ 1,295 per year. State Farm has the best price for broad coverage, at $ 2,486 annually. State Farm besides has bang-up rates for people with a driving incidental on their record or younger drivers
How much does car insurance in Las Vegas cost?
The average price of cable car policy in Las Vegas is $ 156 per calendar month for minimal coverage, or $ 1,869 per class. however, what you ‘ll pay depends on your insurance company, your driving history and what coverage options you choose.
What company has the best car insurance in Las Vegas?
state farm and Travelers are our picks for the best indemnity service in Las Vegas. They each had the lowest complaint exponent scores among insurers we looked at, suggesting that customers were most probably to be satisfied with their service .
Methodology
This ValuePenguin analysis used data from eight of the biggest insurers in Nevada. Our sample driver was a 30-year-old male with median credit. He drives a 2015 Honda Civic EX and has a full moon coverage policy with the following limits :
|
Coverage |
Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
quadrant Information Services provided the rate data in this analysis. Rates were publicly sourced from insurance company filings. As such, they are intended entirely for comparative purposes. Your own quotes will probably differ .
Source: