Key Takeaways
- State Farm is the cheapest car insurance provider in Las Vegas, offering minimum coverage for $80 a month and full coverage for $128 a month.
- Car insurance is cheaper in Las Vegas than elsewhere in Nevada — the city’s average rate for full coverage is $277 a month, while statewide it’s $511.
- Nationwide, drivers pay $369 a month for full-coverage car insurance, so Las Vegas’s rate is cheaper than average.
In this article
The cheapest car insurance companies in Las Vegas, NV
In Las Vegas, State Farm is the cheapest car insurance company for essentially all drivers. State Farm offers the lowest rates for:
- Minimum and full coverage
- Drivers with prior incidents
- Senior drivers
- Young drivers
- Married drivers
State Farm may or may not be the cheapest car insurance company for you as a driver in Las Vegas. This is because rates are based on several factors, including the car you drive, your driving record, the deductible you choose for your car insurance policy and more.
The best way to get your cheapest rate is to compare car insurance quotes from a number of companies.
Nevada car insurance state minimums
Nevada drivers are required to hold liability car insurance that meets the state-mandated minimums. Those coverages must follow what’s known as the 25/50/20 rule:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
Cheapest minimum-coverage auto insurance rates in Las Vegas: State Farm
Las Vegas’ cheapest minimum-coverage auto insurance comes from State Farm, where drivers pay an average of $80 a month.
Citywide, Las Vegas drivers pay an average of $166 a month for minimum coverage. That means State Farm offers a discount of over 50%.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $80 |
| Progressive | $124 |
| GEICO | $161 |
| American Family | $168 |
| Allstate | $229 |
| Farmers | $234 |
| CSAA | $248 |
| USAA | $84 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Get cheap car insurance in Las Vegas
Cheapest full-coverage auto insurance rates in Las Vegas: State Farm
State Farm offers the most affordable full-coverage auto insurance rates in Las Vegas. On average, the company charges $128 a month for a full-coverage policy.
The average cost of full-coverage car insurance is $277 a month in Las Vegas, meaning State Farm customers can save over 50%.
Full-coverage car insurance typically includes collision and comprehensive coverages, in addition to state-required liability coverage. It’s a good idea in particular for drivers with new or expensive vehicles.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $128 |
| American Family | $232 |
| Progressive | $239 |
| GEICO | $306 |
| Farmers | $330 |
| Allstate | $367 |
| CSAA | $469 |
| USAA | $146 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance in Las Vegas for drivers with bad credit: State Farm
Drivers with bad credit should head to State Farm for cheap car insurance. It offers an average monthly rate of $162 for full coverage.
Perhaps surprisingly, your credit score can greatly affect your monthly premium. This is because, as shown in data from government groups like the Federal Trade Commission, drivers with lower credit have proven to be less reliable.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $162 |
| American Family | $266 |
| Progressive | $288 |
| GEICO | $385 |
| Farmers | $408 |
| Allstate | $447 |
| CSAA | $529 |
| USAA | $196 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
Las Vegas drivers with a prior incident on their record will find the cheapest car insurance rates from State Farm. The company leads the way in rates for drivers with speeding tickets, DUIs and at-fault accidents.
Cheapest for drivers with a speeding ticket: State Farm
State Farm is the best source for cheap car insurance for drivers with a speeding ticket. On average, the company charges $138 a month for full coverage.
Speeding tickets have been shown to have a significant impact on car insurance premiums. In fact, our data shows that a speeding ticket increases a driver’s rate by an average of 20%.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $138 |
| American Family | $278 |
| Progressive | $333 |
| GEICO | $386 |
| Allstate | $412 |
| Farmers | $419 |
| CSAA | $625 |
| USAA | $171 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: State Farm
State Farm leads the way for drivers with an accident, too. The company’s monthly rate of $151 is well below the next-best option — Progressive, which charges $412.
An accident can increase a driver’s car insurance rate even more than a speeding ticket. On average, one at-fault accident will increase your rate by around 45%, according to our research.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $151 |
| Progressive | $412 |
| American Family | $427 |
| GEICO | $476 |
| Farmers | $511 |
| Allstate | $529 |
| CSAA | $796 |
| USAA | $202 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: State Farm
Drivers with a DUI should head to State Farm for cheap auto insurance, where they’ll find an average monthly rate of $138.
Compared to accidents and speeding tickets, DUIs are shown to increase car insurance premiums greatly. A DUI will cause a driver’s insurance rate to go up by 74%, on average.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $138 |
| Progressive | $311 |
| American Family | $460 |
| Allstate | $498 |
| Farmers | $533 |
| CSS | $637 |
| GEICO | $735 |
| USAA | $260 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: State Farm
State Farm has the most affordable auto insurance coverage for senior drivers in Las Vegas, charging $122 a month, on average.
That’s slightly cheaper than the company’s average rate for a 35-year-old, which is $128 a month. Generally, seniors are considered low-risk drivers and often enjoy lower car insurance rates.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $122 |
| American Family | $208 |
| GEICO | $231 |
| Progressive | $245 |
| Farmers | $343 |
| CSAA | $388 |
| Allstate | $416 |
| USAA | $142 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Find cheap auto insurance in Las Vegas at any age
Cheapest car insurance for young drivers: State Farm
State Farm also has the lowest car insurance rates for young drivers in Las Vegas. The provider charges $238 a month for minimum coverage and $400 for full coverage.
Young drivers are typically considered riskier, and therefore are more costly to insure. That’s evident in our data, which shows that several companies charge over $1,000 a month for full coverage.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $238 | $400 |
| GEICO | $343 | $713 |
| CSAA | $712 | $1,296 |
| Progressive | $713 | $1,571 |
| Allstate | $884 | $1,566 |
| American Family | $914 | $1,306 |
| Farmers | $977 | $1,391 |
| USAA | $233 | $397 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: State Farm
State Farm is the cheapest car insurance company for married drivers in Las Vegas. For full coverage, the company charges $128 a month.
In this case, State Farm offers the same average rate for both married and single drivers — but that’s not always the case. Often, married couples enjoy lower car insurance premiums.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $128 |
| Progressive | $202 |
| American Family | $232 |
| Farmers | $324 |
| Allstate | $360 |
| GEICO | $370 |
| CSAA | $448 |
| USAA | $125 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in Nevada
No-fault car insurance
Nevada is an “at-fault” car insurance state, which means that the victim of an accident can sue the person responsible for damages. If the case is successful, their medical bills and damages can be paid for by the at-fault driver’s insurance.
Financial Responsibility Insurance Certificate (SR-22)
In Nevada, an SR-22 (also called a “certificate of financial responsibility”) is required for drivers who want to reinstate their license after it is suspended due to a DUI or certain other violations.
Las Vegas car insurance: FAQs
State Farm is the cheapest car insurance provider in Las Vegas. The company charges an average of $80 a month for minimum coverage and $128 a month for full coverage.
The average full-coverage policy in Las Vegas costs $277 a month. For minimum coverage, the average is $166.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Las Vegas, Nevada.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Car insurance by city
- Las Vegas
- North Las Vegas
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