Best Auto Insurance Rates in Las Vegas, Nevada

On average your neighbors pay $135 a month.

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Las Vegas, Nevada is an entertainment capital, with more five diamond hotels than any other city. Sin City is one of the most popular tourist stops in the world. With limited transportation, locals and tourists alike share the roads. Whether you’re a Vegas native or just visiting, you’ll need affordable car insurance rates.

Average Las Vegas Car Insurance Rates

How much is car insurance in Las Vegas, NV? Insurance premiums in Las Vegas have seen big increases in recent years. If you've seen big premium increases you can thank the vehicle theft rate and poor credit ratings. You can also thank the high frequency of accidents for making insurance rates much higher here than the national average.

The average cost of car insurance in Las Vegas is $1,569.67 a year for men and $1,681.28 for women. The average cost of auto insurance in Nevada is $985.39 per year. The national average cost is $889.01. Prices may vary depending on your driving record and the number of claims filed in your zip code.

Las Vegas Average Annual Car Insurance Rates
Coverage Men Women
Liability $1,108.23 $1,208.82
Collision $367.59 $377.39
Comprehensive $93.84 $95.07
Total Cost Per Year $1,569.67 $1,681.28
Price Per Month $130.81 $140.11
These average rates are based on our sample quote data. 1

The graph below shows the change in Nevada's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Nevada's car insurance rates increased from $904 in 2011 to $985 in 2015, a jump of $80, or 8.89 percent.

Nevada average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Las Vegas, Nevada. You could save up to 40% on your premium.

Last year, 36,735 people used QuoteWizard to compare auto insurance quotes in Las Vegas, NV from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Las Vegas, NV

These are the most common car insurance companies near Las Vegas, Nevada for QuoteWizard users last year.

Other popular Las Vegas car insurance companies: USAA, Hartford, Safeco, Travelers, Infinity, MetLife, Mercury, and Country Financial.

Top 10 Vehicles

These are the most common car makes and models owned by Las Vegas, NV drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Ford Mustang
  3. Honda Accord EX/LX
  4. Nissan Altima 2.5 S
  5. Hyundai Sonata GLS
  6. Ford Ranger
  7. Honda Civic EX/LX
  8. Toyota Camry LE/XLE/SE
  9. Ford Explorer
  10. Ford Taurus SE

Minimum Car Insurance Requirements in Las Vegas, NV

Las Vegas, Nevada has a minimum coverage requirement known as the 15/30/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for a person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The total your insurer will pay for property damage caused by a car accident.

Las Vegas Drivers

A recent Allstate Insurance report rated US drivers by accident frequency. Las Vegas, Nevada was ranked 112th out of 200 cities. Most US drivers go ten years between accidents. Drivers here are involved in car accidents every 8.4 years.

Driving Conditions

Driving conditions are some of the factors that can influence your insurance rates.


Las Vegas, NV is in the Mojave Desert and has what's called a subtropical, hot desert climate with an average of 310 sunny days each year. Summers are long, dry, and very hot. Winter are short and mild. The area only sees about 4.19 inches of rainfall annually and 26.5 days have measurable precipitation. It's snowed here, but snow days are very rare.

Road Conditions

TRIP reports that 14% of the major roads in Las Vegas are in poor condition and 18% are mediocre. These poorly maintained streets costs drivers $379 a year in extra vehicle operating costs.

Traffic Congestion

TomTom's annual traffic index ranks Las Vegas 121st for worst traffic congestion in the world. An average commuter spends an extra 20 minutes per hour stuck in traffic during rush hour commutes. Drivers with 30-minute commutes waste an extra 76 hours per year.

The Texas Transportation Institute (TTI) reports that an average Las Vegas commuter loses $984 each year. This figure represents lost time and wasted gas because of traffic congestion.

Moving Violations

Moving violations like drunk driving, speeding tickets, accidents can make your insurer change your status to "non-preferred." This means you'll need to buy car insurance for bad drivers. The worst drivers end up needing high risk auto insurance. These non-standard policies can be very expensive. So, it's in your best interest to drive safely and obey all traffic laws to keep points off your driver's license.

Traffic Tickets

It's not easy, but fighting traffic tickets may be well worth your while. Even if you can't get the ticket dismissed, you may be able to have the charges lowered. If nothing else, fight the number of points assessed to your driver's license because of a moving violation. These points are what insurers look at when determining your insurance rates. If you want to keep your insurance rates low, you want to keep these points off your driver's license.

The Las Vegas Municipal Court website allows you to plead guilty and pay your citation. You can also plead not guilty and request a hearing, and find other valuable traffic court information.

Traffic Citation Statistics

Las Vegas Police Patrol Division issued 81,393 traffic citations in 2014, 39.8% fewer than the 135,100 tickets issued in 2013.

The Las Vegas Traffic Bureau issued 136,945 citations in 2014, a 10.8% decrease from the 153,533 citations issued in 2013.

DUI Arrests

Las Vegas Police reported 4,683 arrests in 2014 for driving under the influence (DUI). This is a 19.73% decrease from the 5,834 DUI arrest in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with Las Vegas agents from top companies that specialize in Las Vegas DUI insurance.

Car Accident Fatalities

Las Vegas reported 95 traffic fatalities in 2014, 16.67% less than the 114 deaths reported in 2013.

All traffic deaths are a tragic loss. With an estimated population of 632,912, this is one of the nation's most dangerous cities in terms of traffic fatalities.

Vehicle Theft Rates

Las Vegas reported 8,855 vehicle thefts in 2016. This is a rate of 5.56 thefts per 1,000 residents. This is more than twice the national average of 2.20 car thefts per 100,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are a great way to lower your rates. Below are some of the auto insurance discounts available in Las Vegas, NV. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Too many tickets and especially at-fault accidents will increase your rates. Keep your driving record clean and you might be able to get a safe driving discount
  2. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies can save you as much as 20 percent off you car insurance premium
  3. Live in a safe zip code with low crime rates. People that live in areas with high crime and poor driving conditions file more insurance claims. Unfortunately, Las Vegas has very high crime rates. So, if you're paying more than you think you should, the location of your home could play a role
  4. If you're one of the 13.9 percent of Las Vegas driver over the age of 65, you could qualify for either the senior or the 55 and retired discount
  5. Shop around and compare quotes. That's the best way to get lower insurance rates in Las Vegas

Rate Methodology

1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

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