Cheap Car Insurance in Las Vegas (2022)

Cheapest car insurance companies in Las Vegas: State Farm, $164 a month; and USAA, $263 a month.

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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.

Cheapest minimum-coverage car insurance in Las Vegas
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.

Cheapest full-coverage car insurance in Las Vegas
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.

Cheapest car insurance for drivers with an accident history
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.

Cheapest car insurance for drivers with a speeding ticket
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.

Cheapest car insurance for Las Vegas drivers with a DUI
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.

Cheapest minimum-coverage car insurance for 18-year-olds in Las Vegas
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.

Cheapest full-coverage car insurance for 18-year-olds in Las Vegas
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.

Cheapest minimum-coverage car insurance for Las Vegas 65-year-olds
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.
Cheapest full-coverage car insurance for Las Vegas 65-year-olds
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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