Las Vegas drivers are probably luckier than many of the gamblers in the city's casinos, but they battle the odds to find cheap car insurance. Rates are the highest in all of Nevada.
There are good reasons for it. Of course there is always traffic on the Strip, even at 3 a.m. Pedestrians gawk and wander, with deadly consequences. Tourists watch the pedestrians and the flashing lights and the dancing fountains … but not the cars in front of them.
Even those who avoid that snarl will confront jammed highways and ongoing, annoying road construction. It brings detours and temporary ramp and road closures. The Nevada Department of Transportation reports no less than 19 major construction projects underway in the greater Las Vegas area.
Downtown Las Vegas ZIP codes pay the most, with rates falling a bit in the suburban areas. (You'll find a map comparing sample rates in all neighborhoods below.) But your address is only one component of your insurance premium, and all companies calculate your rates differently -- even if you live in the priciest ZIP in town.
One more reason Las Vegas pays high car insurance rates
Despite its reputation, Las Vegas did not make the No. 1 spot on the March 2010 list of drunkest cities in the U.S. It did, however, come in 11th, according to Las Vegas Weekly, just falling short of the top 10 for deaths, arrests and binges related to alcohol and alcoholism. Why wouldn't there be a city-wide problem with drinking when many bars and clubs never close and "last call!" is never heard?
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Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.