Compare Car Insurance in North Las Vegas
North Las Vegas is quieter than Sin City and it likes it that way. If you’re a North Las Vegas driver looking for car insurance, QuoteWizard can help.
Average North Las Vegas Insurance Rates
How much is car insurance in North Las Vegas? Due in part to high auto theft rates and poor credit ratings, average car insurance rates in North Las Vegas hit $1,569.67 per year. The average cost for auto insurance in Nevada is $985.39. The national average price is $889.01.
Prices may vary based on your zip code, driving history, and previous claims.
| Coverage | Rates |
|---|---|
| Liability | $681.56 |
| Collision | $303.86 |
| Comprehensive | $117.63 |
| Total Cost Per Year | $985.39 |
| Price Per Month | $82.11 |
| Source: Facts + Statistics: Auto insurance | |
The graph below shows the average Nevada’s insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Nevada’s car insurance increased from $904.00 in 2011 to $985.00 in 2015. This is a jump of $80 dollars, or 8.89 percent.
Buying car insurance in North Las Vegas takes work. Let QuoteWizard help you. We’ll connect you to the top insurers so you can compare quotes.
Last year, 11,185 people used QuoteWizard to compare car insurance quotes in North Las Vegas, NV from multiple companies to find the cheapest rates. Of those drivers, 2,048 were uninsured
Best Car Insurance Companies in North Las Vegas, NV
These are the most popular car insurers reported by QuoteWizard users in North Las Vegas, Nevada last year.
Top 10 Vehicles in North Las Vegas
These are the most popular car makes and models owned by North Las Vegas, NV QuoteWizard users last year.
- Nissan Altima 2.5/S
- Nissan Sentra S
- Toyota Camry LE
- Nissan Versa S
- Ford Mustang
- Honda Accord EX/LX
- Honda Civic LX/EX
- Ford F-150
- Hyundai Sonata GLS
- Kia Soul
Minimum Car Insurance Requirements in North Las Vegas, NV
Nevada law requires all drivers carry minimum liability coverage. The minimum is 25/50/20. This means all North Las Vegas, NV car insurance policies must include:
- $25,000 Individual Bodily Injury Liability (BIL):
The max amount paid for a person injured in a car accident. - $50,000 Total Bodily Injury Liability:
The total amount paid for every person injured in a car accident. - $20,000 Property Damage Liability (PDL):
The max amount paid for property damage caused by a car accident.
Recommended Coverage Levels
Relying only on minimum coverage can lead to big problems later. The minimum doesn’t cover collision or comprehensive damages. It only pays for damages to other people and their property. That means you have to pay for any damages to you and your property. Collision insurance covers damages after an accident. Comprehensive coverage pays for damage that only involve your car.
To make sure you have good coverage, we recommend the following:
- Individual Body Injury Liability: $100,000
- Total Bodily Injury Liability: $300,000
- Property Damage Liability: $100,000
North Las Vegas Drivers
Insurance is more expensive in areas with a history of accidents. How does North Las Vegas fare?
QuoteWizard ranked state and city drivers from best to worst. North Las Vegas did not enter into our rankings.But Las Vegas is ranked the 66th worst driving city. And Nevada is ranked 45th worst driving state..
Driving Conditions
Factors such as weather, road conditions, and traffic can affect your premium. The riskier your driving conditions, the higher your premium can be.
Weather
North Las Vegas weather can be dangerous for driving – whether it's dry or wet out. North Las Vegas can get up to the triple digits on a hot day. That heat can force your engine to take in more air. This can cause malfunctions and breakdowns.
Monsoon season in North Las Vegas can be dangerous too. Not only does road visibility suffer, but water levels can hide problems on the road.
Road Conditions
TRIP reports that 24% of Nevada’s roads are in poor condition. Driving on bad roads costs drivers $452 a year in extra car operating costs.
Traffic Congestion
According to TRIP, Las Vegas area commuters spent an extra 46 hours driving last year.
Moving Violations
Citations and at-fault accidents affect driving record and raise your rates. The more tickets and accidents you have, the higher your insurance. If you have too many tickets, you may need to buy high-risk auto insurance. In some cases, companies may refuse to cover you.
Traffic Tickets
If you get a speeding ticket in North Las Vegas, the DMV is notified. A demerit is put on your driving record. If you get 12 demerits within a 12-month period, your license will be suspended for six months.
These points are removed after a twelve-month period, but the conviction stays on your record. Tickets can cost you time and money with insurance rate increases.
DUI and DWAI Arrests
If you are arrested for a DUI in North Las Vegas, penalties for a first time DUI include two days to six months in jail, alcohol awareness counseling, and a 90-day license suspension.
Penalties for further DUIs can include up to six years in prison, $5,000 in fines, and the installing of a Breath Interlock Device in your car. Furthermore, our data shows drivers with DUI’s can expect to pay an average of $830 more per year for car insurance.
SR-22 DUI/DWAI Insurance
If you need to reinstate a Nevada driver’s license after a DUI, you will need to get an SR-22. North Las Vegas drivers with an SR-22 need to have the following minimum liability coverage:
- $15,000 for the bodily injury or death of one person
- $30,000 for the bodily injury or death of two or more people
- $10,000 for damage to others’ property
North Las Vegas drivers with an SR-22 are required to keep the SR-22 for three years after the license suspension.
Car Accident Statistics
North Las Vegas is taking part in Nevada’s Zero Fatalities program in an effort to reduce deaths on the road. In 2016, the state of Nevada reported 303 fatal crashes.
Vehicle Theft Rates
Drivers in high car theft areas pay more for car insurance. In 2016, North Las Vegas Police reported 211 vehicle thefts. That’s a 69 percent increase over 125 auto thefts in 2015.
Car Insurance Discounts in North Las Vegas
Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts North Las Vegas drivers can use. Get a quote and find out which discounts you qualify for.
Looking for ways to get a discount? North Las Vegas drivers have many options:
- Have more than one car? Look into a multiple car discount.
- If you live in a safe neighborhood in North las Vegas, you could save money
- If you’re a safe driver with a clean record, that can add up to lower rates.
- Make sure your car as up-to-date safety features and anti-theft devices.
- Drop your comprehensive coverage.
- There are discount rates for active and retired members of the Military, National Guard, or Reserves
- If you’re 55 or over, see if a senior citizens discount is available
- Take a certified defensive driving course
- Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill
- Shop around and compare car insurance rates in North Las Vegas
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