If you’re researching car insurance quotes in Las Vegas or trying to find cheap auto insurance in Las Vegas while shopping for a policy, here you’ll find average car insurance rates for Las Vegas listed by ZIP code and company. That way you can get a reference point for how much you can expect to pay. We’ll also explain how coverage works, and how much car insurance you need. To see rates for your ZIP code, age group and coverage level, enter your ZIP in the average rates tools below.
Drivers in Las Vegas pay the most for car insurance in the state, but regardless of where you live, you can save a considerable amount if you compare rates. This is why:
Your age, your driving history, your credit and the type of car you drive, among other factors, are all used by insurance companies to calculate how much you pay. But where you live is typically used by insurers as a base line for the process, with other variables either increasing or decreasing that amount. Insurance companies assess ZIP codes’ risk levels based on the number and severity of car insurance claims within the area.
They also use different formulas when deciding what you pay, which is why the price for the same policy varies by hundreds, or thousands, from one insurer to the next.
For example, Las Vegas ZIP code 89101, with an average rate of $2,705, is the most expensive in the city and the state, according to a CarInsurance.com analysis. The highest rate from insurers surveyed for that neighborhood ($3,386) was $1,600 more than the lowest ($1,786), according our rate analysis.
The wide range in rates from different insurers shows why it's wise to compare car insurance rates. Enter your ZIP code in the average rate tool below to see the price for a policy in your neighborhood, as well as the highest and lowest cost fielded from six insurance companies.
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.
Las Vegas Car Insurance Rates by ZIP Code
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.
Here's how Las Vegas’s highest average rate ($2,705) compares to others, for a full coverage policy:
$1,530 more than the least expensive average rate ($1,175) in the state, Winnemucca ZIP 89445
$959 more than the state average ($1,746)
$317 more than the average rate for all of Las Vegas ($2,388)
$1,350 more than the national average rate ($1,355)
Average car insurance rates in Las Vegas by ZIP code
Here are the 5 most and least expensive ZIP codes for car insurance in Las Vegas. You'll see in the chart below that you can save over $1,000 just by comparing car insurance quotes, no matter which address you call home.
Average annual rate
Average annual rate
*Methodology for rates by ZIP code:
CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 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. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Las Vegas car insurance requirements
Nevada state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Cheap auto insurance: Las Vegas
Minimum liability coverage limits of 15/30/10 are required to drive in Nevada. That means your insurance company will pay up to $15,000 per person injured in an accident you cause, up to $30,000 per accident, and up to $10,000 for damage you cause to another car or other property. Buying the state required limits is definitely the cheapest way to go. But your assets and savings aren’t shielded from lawsuits and you won’t be covered for damage to your own car. Additionally, the cost to pay for damages from even a minor accident can easily exceed these limits, leaving you responsible to pay out-of-pocket for repair and medical bills.
It does cost more to buy more protection, but as you’ll see below, additional coverage is typically affordable. Based on an analysis outlined below of rate fielded from six major insurers for Las Vegas ZIP codes, increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $867 more, or $72 a month. Just hiking to higher liability costs just $227 yearly, or $19 a month.
Average Las Vegas rates for three coverage levels:
State minimum average annual rate: $879
Liability only; 100/50/100 average annual rate: $1,106
Full coverage of 100/300/100, with comprehensive and collision: $1,746
Getting a traffic ticket doesn’t just result in a fine. Your car insurance rates may also go up.
The increase can stay on your auto insurance for five years. DUIs and other serious charges often remain on your driving record longer than a minor offense, such as speeding.
Here’s how much more you’ll pay, on average, for the following traffic violations.
Annual average rate
Rate after violation
DUI/DWI third offense
DUI/DWI second offense
Operating a vehicle in a race (highway racing)
DUI/DWI first offense
2 speeding tickets 11 mph or over
Speeding 30+ over limit
Failure to stop or yield
Following too closely
Talking on cellphone
Speeding ticket 16-29 MPH over limit
Speeding ticket 1-15 MPH over limit
Driving without a license or permit
Driving without insurance
CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.
How much will my insurance increase after an accident in Las Vegas?
Being at-fault in a car accident usually leads to higher rates. Some insurers may give you a pass for one accident. However, you’d see much higher rates if you get into a second crash.
Here’s how accidents will increase your rates on average.
Rate after claim
2 At-fault property damage accident over $2k
Hit and run - injury or property damage
1 At-fault property damage accident
At-fault bodily injury accident
CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We then averaged rates by company for each city for the following coverage level: 100/300/50, with comprehensive and collision and a $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.
How bad credit affects car insurance rates in Las Vegas
Credit history is a factor in how much you pay for car insurance. Insurers view people with poor or fair credit as a bigger risk. They’re more apt to file claims, insurance companies believe.
Las Vegas drivers with poor credit pay more on average for car insurance than people involved a car accident or charged with DUI.
Las Vegas drivers with poor credit pay $1,315 more on average than other drivers. Drivers with fair credit pay $382 more on average than other drivers.
Putting a 16-year-old driver on your auto insurance policy in Las Vegas increases your rates more than if you were at fault in an accident or charged with a DUI.
Adding a 16-year-old male driver increases car insurance rates in Las Vegas by an average of $3,999. Putting a 16-year-old female driver adds $3,256 on average. Those additions would well more than double your rates.
Teen drivers are considered higher risk. There are more claims associated with teen drivers.
So, parents pay much more when they add teens to their policies. Make sure to talk to your insurer about any possible discounts to help you reduce your rates. That includes good student discounts, which many insurers offer.
How much more do you pay for gap insurance in Las Vegas?
Gap insurance pays the difference between a vehicle’s actual cash value (ACV) and the current outstanding balance. The coverage is for people who purchase a new car and then take a large loan or lease on the vehicle.
Gap insurance doesn’t consider what you paid for the car. Instead, it’s about the loan and what the car is actually worth.
Gap insurance would add on average $47 or 2% to your annual car insurance costs in Las Vegas.
How much SR-22 insurance costs you in Las Vegas
SR-22 is an option for drivers if you’re convicted for a serious moving violation. Those violations include a DUI, reckless driving or driving without insurance.
With an SR-22, an insurer guarantees that you’re carrying legally mandated coverage.
If you have an SR-22 and a DUI conviction, the average car insurance increases by $1,141.