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.
Based on a detailed data analysis, Travelers, GEICO, and American Family are the insurers that offer cheap full coverage car insurance rates for drivers in Las Vegas, Nevada.
Car insurance in Las Vegas for an adult with a clean driving record and good insurance score costs $1,323 a year for a state minimum policy and $4,472 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Las Vegas.
Who offers the cheapest car insurance rates in Las Vegas, Nevada?
GEICO offers cheap car insurance rates in Las Vegas at an average annual cost of $787 or $66 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $242 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to 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:
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, Travelers, State Farm and American Family offer lower rates for high-risk drivers in Las Vegas.
The table below shows car insurance providers in Las Vegas that offer affordable coverage after a DUI conviction.
| 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
Dealing with an at-fault accident on your record in Las Vegas can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Las Vegas, Travelers offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Las Vegas if you have an at-fault accident on your record.
| 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% |
How you can save on your car insurance policy
You can save an average of $5,177 annually or $431 monthly on a full coverage policy in Las Vegas, Nevada, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Las Vegas, Nevada
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed February 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed February 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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