How to find the cheapest car insurance quotes in Las Vegas
Drivers in Las Vegas, Nevada have plenty of car insurance companies to choose from. But with so many options available, finding the insurer that best suits your needs—and budget—can be tricky.
That’s why shopping around and comparing car insurance quotes before settling on a policy is so important.
With Jerry, comparing quotes from dozens of providers is free and easy. Take a look at the table below to see the affordable rates Las Vegas drivers found by shopping for coverage with the Jerry app.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $339 | 28 | 89121 | Ford Fusion Sel | State Minimum | Yes |
| Progressive | $135 | 38 | 89117 | Honda Cr-V Ex | State Minimum | No |
| Mendota | $212 | 43 | 89169 | Kia Forte Lx | State Minimum | No |
| Mendota | $146 | 40 | 89119 | Mercury Mountaineer Luxury | State Minimum | No |
| Mendota | $254 | 28 | 89131 | Kia Sorento L | State Minimum | Yes |
Best car insurance companies in Las Vegas
When you’re shopping for the best car insurance company, you’re looking for more than just great rates. To help Las Vegas drivers learn everything they need to know about Nevada insurance providers, Jerry conducted one of the largest insurance shopping surveys in the nation—and we’re sharing the results.
Our research reveals that there’s no one “best” or “cheapest” provider for all Las Vegas drivers. Instead, the best provider for each driver will depend on a variety of individual factors.
While State Farm, Allstate, and Progressive may dominate the Vegas insurance market, our survey reveals that Esurance, GEICO, Mercury, and The General get the highest rankings across the board—especially when it comes to customer satisfaction.
Take a look at how Las Vegas drivers ranked major insurance companies below.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Allstate | 4.7 | 3.7 | N/A | 4.3 |
| Progressive | 4.3 | 3.9 | 3.6 | 4.2 |
| Geico | 4 | 3.7 | N/A | 4 |
| AAA | 4 | 4 | N/A | 4.7 |
| State Farm | 3.2 | 2.7 | N/A | 3.7 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Las Vegas
Nevada law requires drivers to purchase liability coverage that meets or exceeds stated converge minimums. But many Las Vegas drivers choose to purchase full-coverage auto insurance for better protection.
Cheap minimum liability insurance quotes in Las Vegas
Nevada’s minimum car insurance requirements include the following coverage limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These minimums are often described as 25/50/20 coverage.
Do you need more than minimum coverage in Las Vegas?
If you cause an accident, bodily injury and property damages can quickly exceed Nevada’s 25/50/20 state-mandated limits. Most Las Vegas drivers actually need more than just minimum coverage to protect them from potential lawsuits.
Remember, Nevada car insurance laws state drivers can claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident. Once you factor in non-economic damages, it’s unlikely state-minimum coverage will pay for all expenses you’re responsible for if you cause a serious accident.
The bottom line: Drivers in Las Vegas should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.
Cheap full coverage car insurance quotes in Las Vegas
Purchasing a full-coverage auto insurance policy is a simple way to protect yourself from potential out-of-pocket costs and lawsuits following an accident. Most full-coverage policies include not only the increased liability limits you need but also physical damage protection—comprehensive and collision coverage—to pay for repairs to your own vehicle.
- Collision insurance pays for damages to your vehicle resulting from collisions with other vehicles or objects
- Comprehensive insurance pays for non-collision incidents, such as theft, vandalism, and weather damage, as well as damage caused by collisions with animals
If you’re leasing or financing your vehicle, your lender will require you to purchase full coverage, and leased vehicles are usually required to have increased liability coverage as well.
Keep in mind: Both collision and comprehensive coverage are subject to deductibles—amounts you must pay before your insurer will begin covering repairs. Choosing a higher deductible is a simple way to keep your rates low but be sure you select an amount you can afford to pay in the event of an accident.
As you might expect, a full-coverage policy will cost more than minimum coverage, but it’s likely more affordable than you might think. Take a look at the rates these Las Vegas drivers found by shopping with Jerry.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Progressive | $339 | 28 | 89121 | Ford Fusion Sel |
| State Minimum | No | Progressive | $135 | 38 | 89117 | Honda Cr-V Ex |
| State Minimum | No | Mendota | $212 | 43 | 89169 | Kia Forte Lx |
| State Minimum | No | Mendota | $146 | 40 | 89119 | Mercury Mountaineer Luxury |
| State Minimum | Yes | Mendota | $254 | 28 | 89131 | Kia Sorento L |
Comparing car insurance rates online is the easiest and fastest way to find the cheapest car insurance in Las Vegas—and Jerry makes it even simpler..
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Las Vegas
Las Vegas drivers pay an average of $262 per month or $3,146 annually for full coverage. Minimum coverage in Las Vegas costs an average of $125 monthly and $1,500 per year.
These rates are higher than both the Nevada state and overall national average, but keep in mind that these are just averages—each driver’s insurance premiums are determined by numerous highly individualized factors like driving history, selected coverage options, claims history, age, vehicle type, and even ZIP code. For example, North Las Vegas drivers and those living near Nellis Air Force Base typically see slightly higher rates than this average.
Average cost of car insurance in Las Vegas by zip code
Car insurance costs in Las Vegas can vary greatly by ZIP code since some areas of the city experience higher rates of property crime than others. Living in these neighborhoods or in areas notorious for accidents could lead to higher insurance premiums.
To see how your ZIP code could affect your Las Vegas insurance rates, check out the table below.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 89101 | $170 | $299 |
| 89102 | $160 | $252 |
| 89103 | $186 | $265 |
| 89104 | $195 | $297 |
| 89106 | $186 | $356 |
| 89108 | $194 | $272 |
| 89113 | $180 | $286 |
| 89115 | $184 | $312 |
| 89117 | $189 | $287 |
| 89118 | $155 | $299 |
| 89119 | $168 | $265 |
| 89123 | $139 | $244 |
| 89128 | $159 | $284 |
| 89129 | $164 | $226 |
| 89131 | $114 | $268 |
| 89139 | $136 | $272 |
| 89148 | $184 | $249 |
| 89149 | $195 | $227 |
| 89178 | $152 | $234 |
| 89183 | $149 | $327 |
Car insurance quotes in Las Vegas by rating factors
Your ZIP code is only one of the factors auto insurance companies use when calculating your auto insurance premium. In addition, your provider will consider:
- Your driving record and claims history: Drivers with a track record of accidents or violations generally see higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence your insurance costs.
- Your mileage: High annual mileage means more chances you could get into an accident, which equals higher rates.
- The make/model of your car: More expensive vehicles, like luxury cars and high-performance vehicles, typically cost more to repair or replace, which is why they’re often more expensive to insure.
- Your credit score: Good credit scores are generally associated with lower insurance rates, while those with poor credit will likely see higher premiums for identical coverage.
Cheap car insurance quotes in Las Vegas after driving violations
Driver violation points can affect both your insurance rates and your approval. Drivers with excessive points on their record will be considered high-risk and may have difficulty finding providers that will offer coverage—especially if your record includes major violations, like a DUI or reckless driving.
Cheapest car insurance in Las Vegas after speeding ticket
While no speeding ticket ever looks good on your driving record, Nevada penalizes drivers based on the number of miles over the limit you’re traveling and whether you have any prior offenses. But no matter how fast you’re going, you’ll see at least one point added to your Nevada driving record, and that could result in increased insurance rates.
Whether you’re a first-time speeder or a repeat offender, Jerry helps drivers in Las Vegas find affordable coverage with reputable insurance companies.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $433 | 43 | 89169 | Toyota Avalon Xl | State Minimum | No |
| Speeding Violation-Minor | Mendota | $360 | 29 | 89103 | Chevrolet Trax 1Lt | State Minimum | Yes |
| Speeding 1-5 | Mendota | $288 | 32 | 89103 | Ford Escape S | State Minimum | Yes |
| Speeding Violation-Major | Mendota | $576 | 27 | 89142 | Hyundai Genesis Coupe 3.8L | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $969 | 67 | 89169 | Volkswagen Jetta Hybrid | State Minimum | Yes |
Cheapest car insurance in Las Vegas after DUI
Nevada DUI laws are strict and a conviction will lead not only to fines, points on your driving record, potential jail time, and more—plus increased insurance rates.
On average, Las Vegas drivers with a DUI pay 56% higher premiums for car insurance than drivers with no DUI convictions.
Cheapest car insurance in Las Vegas after an at-fault accident
Insurers love a clean driving record since safe drivers are also less likely to file a claim—especially for an at-fault accident. But even if you don’t have any speeding tickets, DUIs, or other moving violations on your driving record, you could see a rate increase after a claim—especially if that claim is associated with an at-fault accident.
But it’s not all bad news. Work to eliminate the accidents on your record (and don’t add any new accidents or violations) while Jerry helps you find an affordable policy in the meantime.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With Injury | Progressive | $339 | 28 | 89121 | Ford Fusion Sel | State Minimum | Yes |
| Not At Fault | Progressive | $135 | 38 | 89117 | Honda Cr-V Ex | State Minimum | No |
| Not At Fault | Progressive | $212 | 23 | 89104 | Mitsubishi Outlander Es | State Minimum | No |
| At Fault With No Injury | Bristol West | $378 | 62 | 89183 | Nissan Frontier Crew Cab Se | State Minimum | No |
| At Fault With No Injury | Progressive | $273 | 40 | 89183 | Buick Verano | State Minimum | Yes |
Cheapest car insurance in Las Vegas after other driving violations
Major violations like DUIs, high-speed tickets, and at-fault accidents can do a real number on your insurance costs—but they’re not the only violations that can lead to increased premiums. Driving without a license or insurance, rolling through a stop sign, and improper lane changes are just a few of the additional violations that can result in higher insurance rates.
If you’ve been cited with any of these violations, Jerry can still help you find affordable rates in Las Vegas.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Minor | Mendota | $493 | 26 | 89108 | Dodge Charger R/T | State Minimum | No |
| Other Minor | Mendota | $174 | 63 | 89148 | Isuzu Rodeo Ls | State Minimum | No |
| Ticket Violation Not Listed | Progressive | $477 | 40 | 89117 | Genesis G80 Sport | State Minimum | Yes |
| Other Minor | Mendota | $340 | 35 | 89122 | Volkswagen Passat Se | State Minimum | No |
| Failure to Obey Signal | Progressive | $251 | 25 | 89102 | Volkswagen Passat Se | State Minimum | No |
Cheap car insurance quotes in Las Vegas by age
While we can work to maintain a clean driving record, we can’t control how our age affects our insurance premiums. No matter where you live, drivers under 25 pay some of the highest premiums for car insurance thanks to their lack of driving experience.
Once you hit 25, and barring any major violations, you should start to see your rates steadily decline year-to-year. But you can also expect a slight increase in your mid-70s.
Nationwide and Allstate tend to be two of the cheapest car insurance companies for teens and seniors living in Las Vegas, but they’re not the only providers offering competitive rates.
Cheapest car insurance in Las Vegas for young drivers
Sixteen to 19-year-old drivers—as well as new drivers of any age—pay the highest rates for car insurance of any age group in Las Vegas since their lack of driving experience places them at a higher risk for car accidents.
Despite higher overall premiums, you should still consider a full-coverage policy if you’re a young or new driver in Las Vegas. Full coverage policies offer the added financial protection you’ll need if you’re involved in a crash.
Learn more: The best cheap car insurance for teen drivers
Cheapest car insurance in Las Vegas for senior drivers
Most senior drivers have an abundance of on-road driving experience, so you might expect them to see the lowest rates. But a higher risk of injury, high-cost medical expenses following an injury, and slowed reflexes result in increased risk and increased rates.
Learn more: The best car insurance for seniors
Cheap car insurance quotes in Las Vegas based on insurance history
Like your driving and claims history, your insurance history plays a significant role in helping providers determine your insurance rates. Specifically, insurance companies look both at how long you’ve been insured and whether you’ve had any lapses in coverage when calculating your premiums.
Drivers with a lapse in coverage usually see higher rates, which is why it’s important to maintain adequate coverage continuously. The good news is that even with a coverage lapse or a short coverage history, Jerry can help you find affordable auto insurance rates.
Cheap car insurance quotes in Las Vegas for drivers with bad credit
Having a low credit score doesn’t necessarily mean you’re an unsafe driver—but since insurers have seen a correlation between bad credit and a high probability of filing claims, it could still lead to higher rates.
This is why drivers with “bad credit” often pay more for a policy with the same coverage levels as a driver with “good credit.” According to our data, drivers with credit scores below 550 typically pay about 20% more for Las Vegas car insurance than drivers with scores of 750 or above.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | Progressive | $339 | 28 | 89121 | Ford Fusion Sel | State Minimum | Yes |
| 550-659 | Progressive | $135 | 38 | 89117 | Honda Cr-V Ex | State Minimum | No |
| 550-659 | Mendota | $146 | 40 | 89119 | Mercury Mountaineer Luxury | State Minimum | No |
| 550-659 | Mendota | $254 | 28 | 89131 | Kia Sorento L | State Minimum | Yes |
| 550-659 | Progressive | $347 | 73 | 89117 | Nissan Sentra S | State Minimum | Yes |
Cheap car insurance quotes in Las Vegas for popular cars
Of course, the type of car you drive also affects your insurance costs. Potential providers will look at your vehicle’s reliability and safety ratings, potential repair or replacement costs, and other factors when generating quotes.
Typically, safer and more reliable vehicles tend to see the cheapest rates for liability coverage—but high-tech safety features can be expensive to repair or replace, which is why these same cars, and high-priced vehicles, may not see the best rates for physical damage policies.
In Las Vegas, these are some of the most popular and affordable models to insure:
- Honda Accord
- Ford F-150
- Toyota RAV4
Check out real quotes drivers found with some of the most popular cars in the state.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 | Progressive | $144 | 58 | 89178 | State Minimum | Yes |
| Honda Accord Exl | Mendota | $471 | 49 | 89107 | State Minimum | Yes |
| Honda Accord Sport | Progressive | $205 | 23 | 89128 | State Minimum | No |
| Honda Accord Lx | Mendota | $161 | 42 | 89129 | State Minimum | No |
| Honda Accord Ex-L | Bristol West | $1,168 | 52 | 89148 | State Minimum | Yes |
Learn more: How to get car insurance before buying a car
How to lower car insurance costs in Las Vegas
1. Shop around and compare quotes
Comparison shopping is one of the best strategies to use when searching for lower car insurance rates. Each provider uses its own algorithms to determine insurance premiums, so comparing at least three companies and shopping for new rates every six months will help you maintain the most affordable prices for coverage.
Jerry makes this otherwise tedious process simple. In just 45 seconds, Jerry can collect quotes from over 55 top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Car insurance discounts are a key component of an affordable car insurance policy, but not all providers offer the same ones. Common discounts include:
- Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period. So, safe driving can lead to lower overall rates, plus added discounts.
- Telematics discounts. Many insurers offer discounts to drivers who track their driving with telematics apps or devices. The safer you drive, the cheaper your coverage.
- Good student discounts. Providers often offer discounts to full-time students who maintain a B average or better, making those otherwise high young-driver policies more affordable.
- Bundling discounts. Most of us need more than one type of insurance, and providers usually offer a discount to drivers who bundle home and auto (or renters insurance and auto coverage) with the same provider.
3. Increase your deductible for comprehensive and collision coverage
Drivers who opt for full-coverage policies can reduce their rates by choosing a higher deductible. Just be sure you select an amount you can comfortably afford in the event of an accident.
FAQ
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Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica’s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit. Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie’s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
