State Farm and USAA have the cheapest car insurance rates in Las Vegas, according to our research. State Farm has an average minimum-coverage rate of $164 a month, while USAA's minimum-coverage rate is $263 a month, on average. However, USAA only sells insurance to military members, veterans and their families.
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Cheapest car insurance companies in Las Vegas
State Farm offers the lowest minimum and full-coverage car insurance rates in Las Vegas, as well as the most affordable rates for drivers with prior incidents on their record, according to our survey of auto insurers that serve the city.
Cheapest minimum-coverage car insurance in Las Vegas
Among the auto insurance companies available to Las Vegas drivers, State Farm offers the cheapest minimum-coverage policy, at $164 a month. USAA is the next cheapest, at $263 a month, on average.
By comparison, Las Vegas drivers pay an average $344 a month for minimum-coverage auto insurance.
| Company | Average monthly rate |
|---|---|
| State Farm | $164 |
| USAA | $263 |
| GEICO | $293 |
| Allstate | $327 |
| Progressive | $362 |
| CSAA | $398 |
| American Family | $431 |
| Farmers | $512 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nevada state law requires drivers to meet the mandatory requirements for liability and uninsured motorist coverage. Nevada minimum-coverage requirements are:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured motorist: $25,000 per person/$50,000 per accident
Cheapest full-coverage car insurance in Las Vegas
State Farm has the cheapest full-coverage auto insurance in Las Vegas, with an average rate of $272 a month. USAA is the second cheapest, at $456 a month. Both companies offer full-coverage rates below the Las Vegas average of $573 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $272 |
| USAA | $456 |
| GEICO | $478 |
| Allstate | $589 |
| American Family | $606 |
| Progressive | $677 |
| CSAA | $753 |
| Farmers | $756 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Besides meeting Nevada's minimum requirements for personal injury protection and uninsured motorist coverage, a full-coverage policy includes collision and comprehensive coverages.
Get cheap car insurance in Las Vegas
Cheapest car insurance for Las Vegas drivers with an accident or speeding ticket
State Farm and USAA offer the cheapest rates for drivers with a speeding ticket or accident on their car insurance record. Drivers who have been in an accident can find the cheapest minimum-coverage policy from State Farm, with an average rate of $179 a month. USAA has the second most affordable rate, at $250 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $179 |
| USAA | $250 |
| GEICO | $321 |
| Allstate | $361 |
| Progressive | $401 |
| American Family | $479 |
| CSAA | $492 |
| Farmers | $551 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Las Vegas drivers who have gotten a speeding ticket can find the lowest car insurance rate from State Farm, at $164 a month, on average. USAA is the second cheapest, at $218 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $164 |
| USAA | $218 |
| GEICO | $239 |
| Allstate | $302 |
| Progressive | $363 |
| American Family | $385 |
| CSAA | $387 |
| Farmers | $486 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Las Vegas drivers with a DUI
State Farm has the cheapest rates for Las Vegas drivers with a DUI on their record, at an average $164 a month. Allstate has the next-cheapest rate, although it's more than twice that, at $377 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $164 |
| Allstate | $377 |
| Progressive | $380 |
| USAA | $388 |
| GEICO | $403 |
| CSAA | $414 |
| American Family | $516 |
| Farmers | $601 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In Las Vegas, a DUI stays on your driving record up to ten years. Penalties in Nevada for a first-time DUI include:
- Two days in jail or 48 to 96 hours community service, up to 180 days in jail.
- Minimum $400 fine.
- Minimum 185 days license suspension.
If your license is suspended, you will need to file an SR-22 to get it reinstated. An SR-22 is a form that proves you carry Nevada's minimum car insurance limits. Nevada state law requires you to carry an SR-22 for three years.
Who has the cheapest car insurance for Las Vegas teens?
State Farm offers the cheapest auto insurance rates for teens in Las Vegas for both minimum and full coverage. State Farm's average rate for minimum-coverage car insurance for Las Vegas 18-year-olds is $255 a month. GEICO offers the next-lowest rate, at $356 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $255 |
| GEICO | $356 |
| Allstate | $366 |
| USAA | $369 |
| Progressive | $397 |
| Farmers | $508 |
| CSAA | $591 |
| American Family | $673 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Las Vegas teens looking for full-coverage auto insurance can find the best rate with State Farm, at $435 a month. GEICO has the next-cheapest rate, at $600 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $435 |
| GEICO | $600 |
| USAA | $653 |
| Allstate | $718 |
| Farmers | $749 |
| Progressive | $760 |
| American Family | $946 |
| CSAA | $1,140 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers pay the highest rates for auto insurance of any age demographic. This is because carriers consider teens to be high risk due to their inexperience behind the wheel. If possible, consider getting added to a parent's car insurance policy. This will save you a considerable amount of money on your annual premium.
Find cheap car insurance no matter your age
Where can Las Vegas seniors get cheap car insurance?
Senior drivers in Las Vegas can find the most affordable minimum and full-coverage auto insurance with State Farm. Its average monthly rate comes out to $95 for minimum-coverage and $152 for full coverage.
| Company | Average monthly rate |
|---|---|
| State Farm | $95 |
| Progressive | $168 |
| USAA | $169 |
| Allstate | $193 |
| GEICO | $208 |
| American Family | $221 |
| CSAA | $227 |
| Farmers | $278 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Average monthly rate |
|---|---|
| State Farm | $152 |
| USAA | $284 |
| American Family | $303 |
| Progressive | $304 |
| GEICO | $317 |
| Allstate | $326 |
| Farmers | $395 |
| CSAA | $427 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What are the car insurance requirements in Las Vegas?
Nevada law requires drivers to carry the following minimum liability insurance limits:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $20,000
In addition to these liability limits, Nevada requires drivers to carry the following limits of uninsured motorist insurance, unless rejected in writing:
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
Keep in mind that these limits are required, not recommended. While the required limits may seem adequate, they can quickly be exhausted if your insurance provider has to pay for a long hospital stay or court case. Any expenses over your coverage limits will come out of your pocket. To avoid this, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Las Vegas ZIP code to find the cheapest auto insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting Nevada's minimum requirements for liability and uninsured motorist coverage.
Full-coverage policies include the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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