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With roughly 43 million annual visitors from all over the world coming for a sampling of its casinos, shows, and restaurants, Las Vegas is one of the top tourist destinations in the U.S. Unfortunately for the 650,000 residents who happen to live there, all those visitors help give Las Vegas the highest car insurance rates in Nevada. 

Large numbers of tourists aren’t the only reason car insurance is more expensive in Las Vegas than other parts of the state, however.

As the biggest city in a state of almost 110,000 square miles with just three million residents, Las Vegas is home to almost 22 percent of the state's population. 

Aaron Black / Getty Images

Add in the nearby communities of North Las Vegas and Henderson, and more than one third of the Nevada population lives within a short distance of the famed Las Vegas strip. Combined with tens of thousands of tourists and fleets of rental cars, it becomes easier to understand why car insurance rates in Las Vegas are as much as double those paid by residents of other parts of the state. 

There are other factors beyond packed roads and tourists that will affect how much you pay for car insurance, of course, including your age, driving history, and credit score. Our study found wide variances in costs depending on these and other factors, and we also found you can save a bundle just by shopping around. By examining rates for a wide range of drivers, we’ve made it easy to find the best choice for you.

Cheapest Car Insurance Companies in Las Vegas 

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from the largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

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How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Las Vegas?

See the Cheapest Car Insurance Companies

Las Vegas residents pay the highest average rates in Nevada for car insurance, but our analysis found a huge difference in rates between companies. Shopping around could shave $1,500 or more off of an annual car insurance premium. 

Our study found Las Vegas insurance representative rates that ranged from an average of $1,234.39 with USAA to almost twice that, or $3,073.93 with American Family. We also saw a wide range of study rates depending on the age, driving record, and credit history we assigned to each of our sample driver profiles. 

In addition, the analysis found that some companies charged higher study premiums for certain profile criteria than others. A company with competitive rates for a driver profile with less-than-perfect credit, for example, might charge a higher representative premium than another insurer for a young driver profile. 

All this makes it more important to shop around, and to study our rate charts for the best rate for a driver profile that most closely matches your own. 

Las Vegas Car Insurance Rates by Age

Company

25-year-old female

25-year-old male

35-year-old female

35-year-old male

60-year-old female

60-year-old male

Allstate

$2,854.06

$2,965.31

$2,703.81

$2,670.17

$2,541.01

$2,675.59

American Family

$3,107.15

$3,512.95

$3,107.15

$3,107.15

$2,804.60

$2,804.60

Farmers

$2,763.47

$2,853.67

$2,339.01

$2,358.33

$1,943.51

$2,143.43

Geico

$1,589.12

$1,331.54

$1,621.27

$1,557.09

$1,653.05

$1,699.16

Nationwide

$2,277.25

$2,458.30

$1,747.59

$1,810.15

$1,563.83

$1,720.14

Progressive

$1,910.17

$1,708.54

$1,590.84

$1,305.89

$1,277.15

$1,290.96

State Farm

$2,043.56

$2,251.51

$1,849.22

$1,849.22

$1,717.12

$1,717.12

Travelers

$2,328.69

$2,447.81

$2,221.89

$2,345.81

$1,894.36

$2,009.19

USAA

$1,412.05

$1,490.00

$1,158.60

$1,136.69

$1,110.48

$1,098.52

Younger drivers typically pay more for car insurance than older ones with more experience behind the wheel, but our study found a bigger difference in study rates for our young Las Vegas driver profiles than we’ve seen in some other regions. We also found that shopping around could save a bundle of money for this group. 

A 25-year-old male profile, for example, had a representative rate of $3,513 on average with American Family, compared to about $700 less, or $2,805 for a 60-year-old male profile with the same company. 

Representative rates for a 25-year-old male profile were hundreds less with Geico, where the study found an average annual sample rate of $1,332. Geico was the only insurance company in our study where we saw a higher study rate for an older driver profile, with an average of $1,669 for a 60-year old male profile. 

Representative rates for female driver profiles were generally less across the board, although the difference between rates for women and men diminished with age. 

We found an average representative rate of $3,107 for the 25-year-old female sample driver with American Family, compared to $2,805 for a 60-year old. The young female driver profile's study rate was about $400 less than the one for the 25-year-old male driver profile, but at age 60, the male and female profiles have the same representative rate.

With Geico, the average representative rate for a 25-year-old female was $1,589, or about $1,300 less than we found with American Family. As we saw with males, the representative rate for a 60-year-old female profile with Geico was higher than we found for a 25-year-old, but still almost $1,200 less than the representative rate with American Family. 

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Las Vegas Car Insurance Rates by Mileage

Company

6,000 annual mileage

12,000 annual mileage

Allstate

$2,734.99

$2,734.99

American Family

$2,883.75

$3,073.93

Farmers

$2,400.24

$2,400.24

Geico

$1,523.82

$1,575.21

Nationwide

$1,929.54

$1,929.54

Progressive

$1,513.93

$1,513.93

State Farm

$1,691.48

$1,904.63

Travelers

$2,207.96

$2,207.96

USAA

$1,177.89

$1,234.39

How much our profiles drive annually doesn’t have much of an impact on car insurance study rates in Las Vegas. We saw an average sample rate of $2,007 for driver profiles traveling 6,000 miles per year, a savings of only about $57 compared to profiles driving twice as much per year. 

We found no difference at all between representative rates for low- and high-mileage driver profiles with five of the nine companies in our survey, including Allstate, Farmers, Nationwide, Progressive, and Travelers. With USAA and Geico, the difference amounted to about $57. American Family and State Farm had the biggest increases for high-mileage profiles, at about $190 and $213, respectively. 

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Las Vegas Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$2,235.71

$2,734.99

$3,090.63

American Family

$2,634.42

$3,073.93

$3,060.63

Farmers

$1,911.88

$2,400.24

$2,729.25

Geico

$1,386.00

$1,575.21

$1,920.32

Nationwide

$1,891.47

$1,929.54

$2,090.95

Progressive

$1,347.70

$1,513.93

$1,883.15

State Farm

$1,674.16

$1,904.63

$2,234.20

Travelers

$1,909.58

$2,207.96

$2,589.78

USAA

$1,080.30

$1,234.39

$1,434.98

We found that opting for minimum coverage levels could take a chunk out of annual premiums for driver profiles in Las Vegas, but the amount of savings can vary widely by insurer. Consider your circumstances carefully before going that route, because doing so could dramatically increase out of pocket expenses after a crash.

With Allstate, choosing minimal coverage shaved about $855 off the $3,091 study rate for high coverage limits, bringing our average profile's representative premium down to $2,236. With Travelers, the difference was about $680. The difference was only about $200 with Nationwide. 

Regardless of the savings up front, even the shortest hospital visit could quickly eat up any savings in annual premiums from opting for lower coverage.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Las Vegas Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$2,734.99

$3,266.97

$4,778.46

American Family

$3,073.93

$3,498.06

$4,407.47

Farmers

$2,400.24

$2,707.40

$3,916.94

Geico

$1,575.21

$1,970.30

$2,365.35

Nationwide

$1,929.54

$2,292.67

$2,695.77

Progressive

$1,513.93

$1,915.18

$2,366.13

State Farm

$1,904.63

$2,386.88

$3,831.47

Travelers

$2,207.96

$2,703.01

$3,805.53

USAA

$1,234.39

$1,588.38

$2,451.77

Your credit score can have a big impact on what you pay for car insurance, amounting to just as much or more than your age or your driving record. Our study found that driver profiles with good credit paid representative rates about $2,000 less annually with Allstate than those with poor credit.

Driver profiles with good credit paid $2,735 on average with Allstate, while those with poor credit paid $4,778. Geico proved the most forgiving in our study, but even here we found a difference of about $790. Representative rates for a driver profile with good credit were $1,575 with Geico, compared to $2,365 for those with poor credit. 

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Las Vegas Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,734.99

$3,041.42

$3,488.66

$3,711.67

American Family

$3,073.93

$3,651.65

$5,617.60

$6,025.08

Farmers

$2,400.24

$3,175.39

$3,661.09

$4,097.64

Geico

$1,575.21

$2,021.74

$2,601.15

$2,722.26

Nationwide

$1,929.54

$2,180.38

$2,865.58

$3,786.22

Progressive

$1,513.93

$2,110.51

$2,930.24

$2,391.75

State Farm

$1,904.63

$2,078.51

$2,252.51

$2,078.51

Travelers

$2,207.96

$2,922.22

$3,034.05

$3,498.68

USAA

$1,234.39

$1,442.67

$1,700.96

$2,527.74

Not surprisingly, our study found that car insurance rates for a driver profile with a clean record were less than for one with either a speeding violation, a crash, or a DUI in their past. Our analysis also found that some insurance companies were more forgiving than others for driver profiles with a less-than-stellar record. 

Average study rates for a profile with a clean record were $1,905 with State Farm, for example, rising by about $175 to $2,079 with one speeding violation. With Geico, the difference was $447, going from $1,575 to $2,022. The difference with Progressive was almost $600, jumping from $1,514 for a profile with a clean record to $2,111 for one speeding violation. 

An accident had an even bigger impact on representative insurance rates for our driver profiles. We saw an increase of about $350 with State Farm, bringing average representative rates to $2,253. The increase was almost $900 with Progressive, bringing the representative rate for a profile with one accident to $2,392. With Geico, the study rate went up by more than $1,000, to $2,601. 

Representative rates for a driver profile with a DUI conviction varied widely, with some companies raising study rates far more than others. With American Family, representative rates for a DUI doubled, going from $3,074 to $6,025. With Geico, the increase was about $1,200. 

With State Farm and Progressive, the increase was less for a DUI than for a driver profile with an accident on their record, going up by about $175 and $900 respectively.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Las Vegas Auto Insurance Minimum Coverage Requirements

Residents of Las Vegas are subject to maintain the same minimum insurance requirements as drivers in the rest of Nevada, and proof of insurance is required before any vehicle can be registered. Minimum coverage amounts are as follows: 

  • $25,000 for bodily injury or death of one person in any one accident.
  • $50,000 for bodily injury or death of two or more persons in any one accident. 
  • $20,000 for injury to or destruction of property of others in any one accident.

It is important to note that minimum liability coverage does not protect you or your family members riding with you in the event of injuries sustained in a crash. They also exclude coverage for a crash with an uninsured motorist. The minimum coverage required by the state of Nevada is intended to provide coverage only for occupants of other vehicles involved in a crash with you. 

TerryVine / Getty Images

For your own protection and to cover medical expenses of passengers riding in your car, you need to add optional personal injury protection coverage. To provide coverage in the event of a crash with an uninsured driver or who has insufficient coverage to pay your costs, you need to add uninsured/underinsured motorist coverage. Neither are required by Nevada law. Owners of fleets containing ten or more vehicles do have the option of self insuring their vehicles if they have the financial means to do so.

Remember that minimum coverage requirements in Nevada are more affordable than realistic, and in most cases would not come close to covering the actual costs of injuries or damage caused by a car crash. The minimum $25,000 required for bodily injury doesn’t go very far to pay hospitalization costs these days, and being held responsible for even a relatively minor injury could spell bankruptcy for some drivers.

For your own protection and financial well-being, the best bet is to add additional coverage if you can afford it. Most insurance companies don’t charge much for additional coverage, making the added protection a relative bargain. 

Also note that none of the required coverages will pay for repairs to your own vehicle. That’s normally covered by a collision or comprehensive policy, neither of which are required by Nevada law. This is a non-issue if you’re planning to take out a loan to buy a car, because lenders typically require collision or comprehensive coverage for a financed vehicle.

Residents of Las Vegas are required to provide proof of insurance, either electronically or with a printed insurance card carried in the vehicle. For electronic proof, the state uses a system called LIVE. The system can also confirm a driver’s license number, vehicle identification number, and other policy details. The system does not provide data to validate comprehensive insurance, collision, or other coverages not required by Nevada law. 

Cheapest Car Insurance in Las Vegas 

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Young Adult Drivers

Geico

Married Adult Drivers

Progressive

Senior Drivers

Progressive

Drivers with Good Credit

Progressive

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Progressive

Drivers with One Speeding Violation

Geico

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Progressive

High-mileage Drivers

Progressive

Drivers with Low Coverage

Progressive

Drivers with High Coverage

Progressive

Drivers with Used Cars

Progressive

Drivers with New Cars

Progressive

Even with relatively modest minimum coverage requirements, car insurance isn’t cheap in Nevada. And unfortunately for residents of Las Vegas, rates in Nevada’s largest city are the most expensive in the state. But our study found a tremendous range of rates, and that shopping around could save about $1,800 per year. 

Our study found USAA had the most affordable representative rates for Las Vegas driver profiles on average, at $1,234 annually. But remember that USAA only offers insurance to active military personnel, veterans, and the service member’s spouse and children. For non-military families, our study found Progressive to be the most affordable choice, at $1,514 on average. Next was Geico, at $1,575, followed by State Farm, at $1,905 and Nationwide, at $1,930. Most expensive were American Family, at $3,074 and Allstate, at $2,740. 

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Las Vegas 

Many factors contribute to car insurance rates, based on data that can help insurance companies predict the likelihood drivers will be filing a claim. Your age, driving record, credit history, age, and the type of car you drive are all contributing factors, but where you live will also have an impact on rates. A city like Las Vegas has more cars and traffic than more rural parts of Nevada, and more congested areas tend to have more claims than less densely populated areas. Simply put, more cars in an area generally means a greater chance of a claim, and thus, higher rates. The higher number of tourists and visiting drivers unfamiliar with the area can also contribute to more incidents and claims. 

How To Get the Cheapest Car Insurance in Las Vegas 

There are lots of ways to shave money off your insurance bill, even if your credit score and driving record aren’t the best. Start by having a look at our charts for the insurance companies with the best study rates for driver profiles that match your age, gender, credit history, and driving record. It might be worth making a switch. 

Regardless of which company you choose, most insurers offer discounts for bundling car insurance with another policy such as homeowners or renters insurance. Many insurers offer reduced rates for students who maintain good grades, or for drivers willing to install a device that tracks their behavior behind the wheel. Some companies offer discounts for members of credit unions or other organizations, or who are employed as a teacher or in public service. 

You can also save by opting for a higher deductible, which is the amount you have to pay on a claim before insurance takes over. Ask your agent or check company websites for any discounts you may be eligible for. 

Important Laws Around Auto Insurance in Las Vegas 

Las Vegas drivers are required to secure insurance meeting Nevada state minimum requirements before registering a vehicle or transferring a registration from another state. Proof of such coverage must be presented at the Department of Motor Vehicles along with other registration paperwork. At least one person listed on the policy must also be listed as an owner on the vehicle registration. 

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New residents have 30 days to transfer their car insurance and registration from another state, and Nevada law requires that all car insurance policies are written by a state-licensed insurance agent and company. 

Nevada minimum car insurance coverage limits were raised in 2018, resulting in a rate increase for some drivers. But no change was made to the law that would require more than liability insurance, and the minimum coverage limits remain too low to provide any real protection after all but the most minor accidents. That makes it still a good idea to spring for additional coverage if you can afford it. Minimum insurance requirements in Las Vegas and the rest of the state do not provide coverage to guard against damage from an uninsured driver, or to pay medical expenses for you and your family after a crash. And those expenses can add up fast. 

Las Vegas Driving Laws and Punishments

Below we'll cover some important Nevada driving laws and the potential punishments you may receive for breaking them.

Texting While Driving and Distracted Driver Laws in Las Vegas 

Using a cell phone or any hand-held electronic device for texting, talking, or Internet access is illegal in Las Vegas, as it is in the rest of Nevada. First offenders face a $50 fine. A second offense brings a fine of $100 and four points on your license. Drivers willing to gamble with a third offense and beyond face a $250 fine and four additional points. 

The use of a headset or Bluetooth-enabled device to make hands-free calls is allowed, as is one touch to begin or end a call. Permitted exceptions to the hands-free law include emergency calls, reporting criminal activity, and the use of a hand-held device by police, fire, emergency personnel and utility workers in the line of duty. 

DUI Laws in Las Vegas

Las Vegas drivers caught with a blood alcohol content of .08 or higher face an immediate loss of driving privileges for 185 days, the same as anywhere in the state of Nevada. They’ll also be subject to a fine of $400 to $1,000, and mandatory driving school. On top of that, first offenders face a mandatory penalty of two days to six months in jail or community service, and additional penalties upon conviction. 

Jaromir Chalabala / EyeEm / Getty Images

The legal limit drops to .02 for drivers under the age of 21, and .04 for drivers with a commercial license. Vehicles of drivers charged with a DUI are subject to impound, and drivers convicted of a DUI offense may be required to have an ignition interlock installed in their vehicle. 

Uninsured Motorist Laws in Las Vegas 

Driving without insurance coverage is illegal in Las Vegas, as it is in the rest of Nevada. But minimum car insurance in Nevada does not require coverage for damages caused by a collision with an uninsured motorist. 

It’s a good idea to consider such insurance, because it provides coverage for medical expenses incurred by you and family members following a crash with an uninsured motorist. 

Drivers caught operating a vehicle without uninsured motorist coverage face penalties ranging from $250 for a first offense to $1,750 and a 30-day license suspension for a third offense. 

Las Vegas Car Insurance FAQs

Is Car Insurance Required in Las Vegas?

Yes, car insurance is mandatory in Las Vegas, as it is anywhere in the state of Nevada. Minimum coverage amounts are as follows: 

  • $25,000 for bodily injury or death of one person in any one accident.
  • $50,000 for bodily injury or death of two or more persons on any one accident. 
  • $20,000 for injury to or destruction of property of others in any one accident.

Which Cars Are Required To Be Insured in Las Vegas??

Any vehicle registered in Las Vegas must be insured. Proof of at least the state required minimum insurance coverage is required before any vehicle can be registered in Las Vegas, and drivers must carry such proof in the vehicle and be prepared to show it. License plates must be returned to the state and the vehicle cannot be driven if that coverage is lost for any reason.

When Should I Get Car Insurance in Las Vegas??

You must have proof of insurance in place before going to the Department of Motor Vehicles to register any vehicle in the state of Nevada. New residents have 30 days to transfer their license, registration, and insurance from another state.

What Happens if My Car Is Not Properly Insured in Las Vegas??

Drivers of an uninsured vehicle in Las Vegas face penalties ranging from $250 for a first offense up to $1,750 and a 30-day license suspension for a third offense.

Is Nevada a No-Fault State?

No, Nevada is not a no-fault state. That means that a driver found to be at fault following a crash in Las Vegas is responsible for all damages.

Do I Need Uninsured Motorist Coverage in Las Vegas?

No, Las Vegas and the state of Nevada do not require uninsured or underinsured motorist insurance coverage. It is a good idea to add this coverage to your policy, because without it you might not have medical coverage for you and your passengers after a crash. 

Is Liability Insurance Required in Las Vegas?

Yes, liability insurance is required in Las Vegas as in the rest of Nevada. Minimum coverage amounts are as follows: 

  • $25,000 for bodily injury or death of one person in any one accident.
  • $50,000 for bodily injury or death of two or more persons in any one accident. 
  • $20,000 for injury to or destruction of property of others in any one accident.

Does Las Vegas Accept Digital Insurance Cards?

Yes, electronic proof of insurance is permitted in Las Vegas, as it is in the rest of Nevada. Printed insurance cards are also acceptable. One or the other must be carried in the vehicle at all times, and drivers are required to present proof of insurance to authorities on demand. 

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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