CarInsurance.com Insights
- CarInsurance.com’s research shows that GEICO and Mercury Insurance offer the lowest state minimum car insurance rates in Las Vegas, with yearly premiums of $787 and $967, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Las Vegas can save an average of $5,177 per year on full coverage car insurance.
- Drivers in Las Vegas with a speeding ticket can find the cheapest full coverage car insurance with Travelers, at an average annual cost of $4,268.
- Travelers stands out as an affordable option for drivers with a DUI in Las Vegas, with average full coverage cost of $4,488 per year.
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, an adult with a clean driving record and good insurance score typically pays $1,323 per year for a state minimum car insurance policy and expect to pay $4,472 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Las Vegas.
Who offers the cheapest car insurance rates in Las Vegas, Nevada?
GEICO offers the cheapest state minimum car insurance in Las Vegas, with an average annual cost of $787 or $66 per month. For full coverage, Travelers provides the most affordable rates, averaging $242 per year for 100/300/100 limits and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Las Vegas.
| 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, state minimum coverage in Las Vegas costs an average of $1,323 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $82 and your yearly premium by $989.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $262 more per month or $3,149 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| 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 a key factor in determining car insurance rates in most cities, including Las Vegas. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
According to our data analysis, Travelers offers the cheapest car insurance rates for drivers in Las Vegas with speeding tickets, at an average annual cost of $4,268 or $356 per month. American Family and State Farm also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Las Vegas drivers with speeding tickets.
| 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 have a DUI on your record in Las Vegas, finding affordable car insurance can be challenging. However, Travelers, State Farm and American Family offer affordable insurance rates for drivers in Las Vegas after a DUI conviction.
The table below lists car insurance companies in Las Vegas that offer affordable coverage for drivers with DUIs.
| 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
An at-fault accident in Las Vegas can lead to higher car insurance rates, but don’t worry – some insurers offer affordable car insurance rates. In Las Vegas, Travelers offers the cheapest car insurance rates for drivers with an accident on their records. Other insurers that offer affordable premiums include American Family and State Farm.
The table below shows affordable auto insurance options for drivers in Las Vegas with a history of at-fault accidents.
| 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.
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 March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 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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