CarInsurance.com Insights
- According to a CarInsurance.com study, GEICO and Mercury Insurance rank among the cheapest car insurance providers in Las Vegas, offering insurance for $787 and $967, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $5,177 per year on your car insurance policy.
- For drivers with a speeding violation, Travelers offers the most affordable full coverage car insurance in Las Vegas, averaging $4,268 per year.
- Travelers is among the most affordable car insurance providers for drivers with a DUI in Las Vegas, with an average annual full coverage cost of $4,488.
Travelers, GEICO and American Family are the top insurers with the most affordable car insurance rates for drivers in Las Vegas, Nevada for a full coverage policy.
In Las Vegas, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $1,323. If you upgrade to full coverage, the cost increases to $4,472.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Las Vegas.
Who offers the cheapest car insurance rates in Las Vegas, Nevada?
Our data shows that GEICO has the cheapest state minimum car insurance in Las Vegas at $787 per year or $66 per month. Whereas, Travelers offers the cheapest rates for a full coverage policy, with an average annual cost of $242 for coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Below, we mentioned the insurers that offer affordable car insurance for Las Vegas drivers.
| Insurance company | Annual premium |
|---|---|
| Travelers | $2,902 |
| GEICO | $3,446 |
| American Family | $3,641 |
| Mercury Insurance | $4,426 |
| Progressive | $5,033 |
| State Farm | $5,372 |
| Farmers | $5,426 |
| Allstate | $5,592 |
| CSAA Insurance (AAA) | $8,079 |
| USAA | $2,268 |
Average car insurance rates in Las Vegas
According to our rate analysis, the average cost of car insurance for state minimum coverage in Las Vegas is $1,323. For liability-only coverage with limits of 50/100/50, you would pay $82 more a month or $989 more a year.
You can get full coverage (100/300/100) by paying $262 more a month or an additional $3,149 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $1,323 |
| Liability only (50/100/50) | $2,312 |
| Full coverage (100/300/100, $500 ded.) | $4,472 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $4,759 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $4,179 |
| Non-owners | $802 |
Cheapest rates for drivers in Las Vegas, Nevada, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Travelers | $9,745 |
| Young adults (20-24) | Travelers | $4,409 |
| Adults (25-60) | Travelers | $2,964 |
| Seniors (65-75) | Travelers | $3,141 |
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Cheapest car insurance rates for Las Vegas drivers after a speeding ticket
Travelers offers the most affordable car insurance rates for drivers in Las Vegas following a speeding ticket, at an average annual cost of $4,268 or $356 per month for full coverage.
American Family and State Farm also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Las Vegas drivers with a speeding ticket.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,902 | $4,268 | 47% |
| American Family | $3,641 | $4,654 | 28% |
| State Farm | $5,372 | $5,747 | 7% |
| Allstate | $5,592 | $6,222 | 11% |
| Mercury Insurance | $4,426 | $6,229 | 41% |
| Progressive | $5,033 | $6,473 | 29% |
| Farmers | $5,426 | $7,032 | 30% |
| GEICO | $3,446 | $8,203 | 138% |
| CSAA Insurance (AAA) | $8,079 | $10,592 | 31% |
| USAA | $2,268 | $2,665 | 18% |
Cheap car insurance for drivers with a DUI in Las Vegas
If you’re a driver with a DUI in Las Vegas, finding affordable car insurance can be challenging. However, Travelers, State Farm and American Family offer cheap car insurance rates for drivers in Las Vegas after a DUI conviction.
The table below lists affordable car insurance companies in Las Vegas that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,902 | $4,488 | 55% |
| State Farm | $5,372 | $5,747 | 7% |
| American Family | $3,641 | $5,998 | 65% |
| Progressive | $5,033 | $7,078 | 41% |
| Allstate | $5,592 | $7,599 | 36% |
| Mercury Insurance | $4,426 | $7,849 | 77% |
| GEICO | $3,446 | $8,514 | 147% |
| Farmers | $5,426 | $10,523 | 94% |
| CSAA Insurance (AAA) | $8,079 | $11,320 | 40% |
| USAA | $2,268 | $4,595 | 103% |
Affordable car insurers for Las Vegas drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Las Vegas for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Las Vegas, Travelers offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are American Family and State Farm.
See the table below to see which insurers offer cheap auto insurance premiums for Las Vegas drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,902 | $4,080 | 41% |
| American Family | $3,641 | $6,100 | 68% |
| State Farm | $5,372 | $6,199 | 15% |
| GEICO | $3,446 | $7,073 | 105% |
| Progressive | $5,033 | $7,655 | 52% |
| Allstate | $5,592 | $7,681 | 37% |
| Mercury Insurance | $4,426 | $8,250 | 86% |
| Farmers | $5,426 | $8,472 | 56% |
| CSAA Insurance (AAA) | $8,079 | $13,566 | 68% |
| USAA | $2,268 | $3,174 | 40% |
Compare car insurance quotes in Las Vegas: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $5,177 per year or $431 per month on a full coverage policy in Las Vegas, Nevada, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Expert’s take on getting car insurance in Las Vegas
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Las Vegas, Nevada. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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