Best Auto Insurance Rates in Las Vegas, Nevada

On average your neighbors pay $135 a month.

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Compare Auto Insurance in Las Vegas

Thursday, May 31 2018 By Larry Canonica

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
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers. They rent in Las Vegas and own a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Nevada state liability minimum of $15,000/$30,000/$10,000 and 15/30/10 underinsured motorist coverage. Plus a $500 comprehensive and collision deductible.

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, NV for QuoteWizard users last year.

  1. GEICO
  2. State Farm
  3. Progressive
  4. Allstate
  5. Farmers
  6. Liberty Mutual
  7. Esurance
  8. AAA
  9. American Family
  10. Nationwide
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

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

Top 10 Vehicles in Las Vegas

These are the most common car makes and models owned by Las Vegas 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

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.

Las Vegas drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

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

Weather

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 11% of the major roads in Las Vegas are in poor condition and 43% are mediocre. These poorly maintained streets costs drivers $440 a year in extra vehicle operating costs.

Traffic Congestion

TomTom's annual traffic index ranks Las Vegas as having the 22nd worst traffic congestion in the United States. An average commuter spends an extra 19 minutes per hour stuck in traffic during rush hour commutes. Drivers with 30-minute commutes waste an extra 74 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, and failure to yield can give you a bad driving record and raise your insurance rates.

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 local 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.

Save With Car Insurance Discounts

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

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. Install anti-theft devices or a car alarm system
  3. Remove full comprehensive coverage from your policy
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  7. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  8. 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
  9. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  10. Shop around and compare low-cost Las Vegas car insurance quotes

Sources:

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