Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 25, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Full Review

  • GEICO has the cheapest insurance rates in Las Vegas
  • Drivers with good credit can save the most money at State Farm
  • Liability-only auto insurance is the least expensive coverage

Are you seeking affordable car insurance in Las Vegas? Las Vegas insurance is more expensive than Nevada’s average. However, you can acquire cheaper rates with the right company.

But which companies provide the cheapest full coverage auto insurance rates? Don’t worry — we’re here to show you how you can obtain inexpensive insurance in Las Vegas.

Read this guide to learn which insurance companies provide affordable insurance rates in Las Vegas and what factors significantly impact Las Vegas auto insurance.

Where can you find cheap car insurance in Las Vegas, Nevada?

The average full coverage insurance rate in Las Vegas is $275 a month and $146 per month for liability-only insurance. However, you can procure cheaper rates when you shop with the best car insurance companies in Las Vegas.

Let’s examine the cost of insurance from the top Las Vegas insurance companies.

Average Monthly Las Vegas Auto Insurance Rates by Company
CompaniesMonthly Full Coverage Insurance RatesMonthly Liability-Only Insurance Rates
GEICO$99$53
USAA$151$80
Country Financial$162$86
Nationwide$170$90
Progressive$195$103
State Farm$205$109
Hallmark Insurance$235$125
American Family$261$138
Key Insurance$269$142
Mercury$275$146
Las Vegas Average*$275$146
Nevada Average*$207$110
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GEICO offers the cheapest car insurance rates under full coverage and liability insurance. Meanwhile, Mercury carries the highest estimated insurance rates in Las Vegas. However, Mercury auto insurance provides the same average monthly rate as the Las Vegas average.

Auto insurance in Nevada is $68 less per month ($36 less for liability-only coverage). However, you can acquire cheaper rates when you shop for insurance quotes.

Several factors determine whether affordable Las Vegas car insurance is available to you. Continue reading to learn about those variables and how they affect your rates.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Does your Las Vegas ZIP code affect insurance rates?

Yes, it does. Where you live is one of the most significant factors that determines your rates. Let’s consider how auto insurance in Las Vegas varies based on your ZIP code.

Average Auto Insurance Rates in Las Vegas by ZIP Code
ZIP CodesMonthly Full Coverage Insurance RatesMonthly Liability-Only Insurance Rates
89101$371$131
89102$374$133
89104$371$131
89106$375$131
89107$360$131
89108$344$124
89110$355$129
89117$352$130
89122$330$121
89124$288$99
89128$338$123
89129$324$117
89130$326$114
89131$321$116
89134$317$115
89138$314$112
89141$327$122
89143$316$113
89144$315$114
89145$342$122
89146$365$133
89149$304$109
89156$355$127
89158$354$126
89161$322$112
89165$319$114
89166$290$104
89178$324$118
89179$325$120
89199$313$108
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According to the above table, the cheapest area in Las Vegas is Clark County, which is located on the northwest side of Las Vegas. Clark County is home to a few Las Vegas drivers, and the chance of filing claims is lower.

But the most expensive ZIP code is 89106. This is Las Vegas Valley — an area located southwest of North Las Vegas and northwest of Winchester. Las Vegas Valley is a densely populated urban area with a higher risk of insurance claims.

How does age affect Las Vegas car insurance?

Insurance companies use age to determine your risk of filing claims. Younger drivers are less experienced than older drivers. Therefore, car insurance companies issue higher rates to teens and young adults.

So how much is auto insurance based on age? Let’s review the cost of insurance based on different ages.

Monthly Auto Insurance Rates by Age and Company
CompaniesMonthly Full Coverage Rates for 20-Year-Old DriversMonthly Liability Coverage Rates for 20-Year-Old DriversMonthly Full Coverage Rates for 35-Year-Old DriversMonthly Liability Coverage Rates for 35-Year-Old DriversMonthly Full Coverage Rates for 60-Year-Old DriversMonthly Liability Coverage Rates for 60-Year-Old Drivers
GEICO$196$104$99$53$92$49
Nationwide$353$187$170$90$148$79
State Farm$389$206$205$109$197$104
Progressive$447$237$195$103$169$90
Key Insurance$608$322$269$142$243$129
Hallmark Insurance$485$257$235$125$197$104
Country Financial$214$113$162$86$148$79
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Senior drivers pay the least amount per month for auto insurance, but 20-year-old drivers pay the most. However, drivers will see a significant reduction in insurance costs when they turn 25. But if you don’t have any insurance history, you’ll pay expensive car insurance rates.

Can your driving record impact car insurance in Las Vegas?

Yes, it can. Your driving record is another significant factor that determines whether you’ll have affordable insurance rates.

Drivers with a clean driving record can save up to 40% with some car insurance companies. But driving infractions and accidents can increase your rates by hundreds of dollars.

Here are some estimates from the best insurance companies in Las Vegas.

Average Monthly Car Insurance Rates in Las Vegas by Driving Record and Company
CompaniesMonthly Liability Coverage Rates with a Clean Driving RecordMonthly Full Coverage Rates with a Clean Driving RecordMonthly Liability Coverage Rates with an At-Fault AccidentMonthly Full Coverage Rates with an At-Fault AccidentMonthly Liability Coverage Rates with a DUI ConvictionMonthly Full Coverage Rates with a DUI Conviction
GEICO$53$99$89$168$135$255
Country Financial$86$162$107$201$124$235
Nationwide$90$170$133$251$172$324
Progressive$103$195$173$326$144$271
State Farm$109$205$138$260$174$329
Hallmark Insurance$125$235$148$279$148$279
Key Insurance$142$269$162$306$153$288
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DUI convictions have the highest full coverage insurance rates.

Country Financial has the cheapest car insurance in Las Vegas. On the other hand, State Farm has the most expensive auto insurance rates for drivers with DUI convictions.

GEICO is the most affordable for drivers with a clean driving record, followed by Country Financial, Nationwide, and Progressive.

How do speeding tickets affect insurance in Las Vegas, NV?

If you have one speeding violation on your driving record, your auto insurance rates could increase by 15%. However, multiple speeding tickets can raise your rates by 24% or more.

Why does credit affect car insurance in Las Vegas?

Auto insurance companies examine your credit to determine whether you’re at a higher risk of filing claims. According to the Federal Trade Commission, insurance companies issue cheaper rates to drivers who have good credit because they’re less likely to file a claim. But drivers with poor credit have the opposite effect on car insurance.

So what does that look like per month? Let’s examine monthly rates based on credit history.

Average Monthly Las Vegas Auto Insurance Rates by Credit
CompaniesMonthly Liability-Only Insurance Rates Based on Good CreditMonthly Full Coverage Insurance Rates Based on Good CreditMonthly Liability-Only Insurance Rates Based on Poor CreditMonthly Full Coverage Insurance Rates Based on Poor Credit
State Farm$71$134$101$190
Progressive$73$138$105$197
GEICO$92$174$132$249
American Family$109$206$156$294
Farmers$141$266$201$380
Allstate$141$266$201$380
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State Farm has the cheapest auto insurance rates for drivers regardless of credit. Progressive and GEICO are the succeeding companies with the most affordable car insurance.

Farmers and Allstate have the most expensive insurance rates in Las Vegas. Therefore, we recommend that you focus on obtaining discounts to lower your payments.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Car Insurance in Las Vegas: The Bottom Line

Las Vegas insurance is a few hundred dollars more than the Nevada average. But, you can secure cheaper rates if you have factors relative to lower risks of filing claims.

Some of those variables can help you qualify for discounts. For example, a flawless driving record and good credit can help you save 35% or more on car insurance. And if you bundle your auto insurance with another insurance product, you could save approximately 10% more.