Cheapest Car Insurance Quotes In Las Vegas, NV For 2024

In Las Vegas, State Farm offers the cheapest option, with an average cost of $60 per month.

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Written by Bob Phillips
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In Las Vegas, Nevada, you have various choices for reasonably priced car insurance, with State Farm standing out for its competitive rates. Typically, residents in this area pay around $60 monthly, considerably less than the state’s average of $180.

If you’re after the most economical liability-only insurance, State Farm is the go-to. But if you require broader coverage, State Farm provides comprehensive policies at the best prices, starting at $85 monthly. Conversely, for young drivers in search of affordable rates, State Farm offers coverage at $105 per month.

Cheapest Car Insurance Companies In Las Vegas, NV

Cheapest Car Insurance Companies In Las Vegas, NV

Our Methodology

Having spent over 15 years as a licensed insurance agent, I've delved deep into the world of car insurance in Las Vegas, NV. My expertise comes from thorough research, analyzing aspects such as customer service, insurance options, costs, and extensive online reviews. Over the years, I've interacted with various company representatives, acquiring firsthand insights that have shaped my grasp of the field.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Las Vegas, NV?

State Farm offers low-cost car insurance in Las Vegas, Nevada, starting from $200 monthly. Yet, compared to the average rates in Nevada and nationwide, as depicted in the table below, the prices are considerably higher.

Area Average Monthly Rate
National $152
Nevada $180
Las Vegas, NV $200

It’s crucial to grasp that the national average expense takes into account a variety of states, ranging from expensive ones like New York, New Jersey, and California to more budget-friendly ones like Mississippi, Kentucky, and Wyoming. Costs can vary significantly depending on factors like the type of vehicle, desired coverage level, location, driving history, and other variables, leading to fluctuating rates based on where you reside.

Cheapest Car Insurance Rates In Las Vegas For Full Coverage

State Farm provides the most affordable full car insurance rates in Las Vegas, averaging around $82 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $130 $1,558

Nationwide

$100

$1,198

GEICO

$96

$1,150

State Farm

$82

$982

Capital Insurance Group

$90

$1,078

Full coverage car insurance goes above and beyond the basic legal requirements, offering extensive protection. It typically includes both comprehensive and collision coverage.

Comprehensive coverage protects against things like theft, vandalism, or damage from natural disasters, even if there’s no collision involved. Collision coverage takes care of the costs if your car gets damaged in an accident, regardless of who’s at fault.

Cheapest Car Insurance Rates In Las Vegas For Teenagers

Young drivers living in Las Vegas can get affordable insurance quotes from Nationwide. Typically, they might pay about $231 monthly for their insurance premiums.

Provider Average Monthly Cost Average Annual Cost
Allstate $328 $3,934
State Farm $268 $3,214
Capital Insurance Group $368 $4,414
Nationwide $231 $2,777
GEICO $450 $5,398

Typically, young drivers face higher car insurance fees because they lack experience on the road. Insurance companies see them as more of a risk to cover since research indicates they’re prone to accidents or violating traffic rules.

Cheapest Car Insurance Rates In Las Vegas For Minimum Coverage

State Farm offers the most affordable basic car insurance in Las Vegas. Typically, it comes to about $60 per month on average.

Provider Average Monthly Cost Average Annual Cost

Travelers

$106

$1,270

State Farm $60 $718

Progressive

$108

$1,294

GEICO

$100

$1,198

Nationwide

$70

$838

Your standard car insurance should include these types of coverage at least:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $20,000 for property damage per accident

Having standard car insurance provides limited coverage during your travels, but it lacks protection for collisions or comprehensive incidents. Thus, if your car sustains damage from accidents, theft, or natural disasters, you won’t be protected.

Moreover, driving uninsured is against the law in Nevada. Failure to provide proof of insurance when stopped could lead to penalties such as fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Las Vegas For Young Adults

Residents in their twenties who reside in Las Vegas can get affordable insurance rates from State Farm, usually around $105 per month on average.

Provider Average Monthly Cost Average Annual Cost
Farmers $166 $1,994
Country Financial $190 $2,279
State Farm $105 $1,258
Mercury $145 $1,734
Geico $147 $1,762

In Nevada, typically, young adults receive more affordable car insurance compared to teenagers. This variance in pricing stems from the fact that as individuals age, they often adopt safer driving behaviors and engage in fewer risky maneuvers while driving.

Analyzing the statistics reveals that young adults have lower rates of insurance claims, indicating they are involved in fewer accidents. Consequently, insurance providers decrease their rates for these older drivers due to their superior safety track records and reduced likelihood of needing to make a claim.

Cheapest Car Insurance Rates In Las Vegas For Seniors

State Farm provides the most affordable auto insurance rates for senior citizens in Las Vegas, with average monthly costs around $72.

Provider Average Monthly Cost Average Annual Cost

State Farm

$72

$862

Progressive

$100

$1,198

Nationwide

$95

$1,138

Farmers

$137

$1,642

Allstate

$165

$1,978

In Nevada, senior citizens might find more affordable car insurance rates for a few reasons. Even though age typically affects insurance prices, it’s not accurate to assume that older drivers are consistently worse behind the wheel.

Cheapest Car Insurance Rates In Las Vegas For Good Drivers

People living in Las Vegas who drive safely can get cheap car insurance estimates from State Farm, usually averaging about $60 per month.

Provider Average Monthly Cost Average Annual Cost

Travelers

$106

$1,270

State Farm $60 $718

Progressive

$108

$1,294

GEICO

$100

$1,198

Nationwide

$70

$838

In Las Vegas, drivers with clean driving records usually qualify for cheaper car insurance. This is because they’re considered less likely to have accidents or violate traffic laws, which makes them lower-risk clients. Insurance companies review driving histories to determine how safely someone drives. If a driver hasn’t been in any accidents or gotten any tickets, it shows they’re cautious and probably won’t need to file a claim.

Insurers determine their prices based on the likelihood of a driver filing a claim. Therefore, if you maintain a clean driving record, you can save a significant amount on your insurance premiums. It all boils down to evaluating risk – the better your record, the lower the risk you present, and the less you’ll need to pay for insurance.

 

Cheapest Car Insurance Rates In Las Vegas For Drivers With Prior Incidents

Getting affordable car insurance in Las Vegas can be tough for folks who’ve had accidents, speeding tickets, or DUI charges. These slip-ups label them as risky drivers in the eyes of insurance companies. As a result, insurers hike up their rates to anticipate potential future claims.

Cheapest Car Insurance Rates In Las Vegas For Drivers With A Speeding Ticket

State Farm is known for its competitive pricing compared to other insurance companies. On average, customers pay around $138 per month, which is a pretty good deal compared to what other insurers charge.

Provider Average Monthly Cost Average Annual Cost
State Farm $138 $1,654
Geico $300 $3,598
Travelers $268 $3,214
Allstate $315 $3,778
Farmers $525 $6,298

Cheapest Car Insurance Rates In Las Vegas For Drivers With An At-Fault Accident

State Farm offers cheap car insurance estimates for drivers who’ve been involved in accidents. Typically, these estimates come out to around $150 each month.

Provider Average Monthly Cost Average Annual Cost
Progressive $370 $4,438
State Farm $150 $1,798
GEICO $368 $4,414
Allstate $400 $4,798
American Family $570 $6,838

Cheapest Car Insurance Rates In Las Vegas For Drivers After A DUI

Progressive offers the most affordable rates for Las Vegas drivers who’ve had a DUI, with average monthly costs around $322.

Provider Average Monthly Cost Average Annual Cost
Allstate $380 $4,558
GEICO $460 $5,518
Travelers $330 $3,958
Progressive $322 $3,862
State Farm $318 $3,814

Best Car Insurance Companies In Las Vegas

For people driving around Las Vegas, finding the right car insurance goes beyond snagging a bargain; it’s about having dependable coverage for your time on the road. Take a look at the top 10 car insurance providers in Las Vegas, Nevada, ranked by their average monthly prices.

Company Monthly Premium
Esurance $136
Country $140
State Farm $164
California Capital $175
Hartford $210
Travelers $220
Capital Insurance Group $144
USAA $168
Grange $216
Auto Club $220

Average Car Insurance Rates By Age In Las Vegas

Age Average Yearly Rate
Teenagers $5,250
20s $3,838
30s $2,730
40s $2,904
50s $2,760
60s $2,856
70s $2,940

Your age significantly influences the cost of car insurance. If you’re young, such as a teenager or in your early twenties, expect to pay more due to your limited driving experience. Insurance providers view younger drivers as riskier because they’re prone to accidents and traffic violations.

However, once you reach 25 and have maintained a safe driving record, you may notice a decrease in your insurance premiums. The most favorable insurance rates are typically offered to individuals in their fifties and early sixties. Insurance companies use age as a factor in determining rates because it reflects driving experience and the likelihood of filing a claim.

Average Car Insurance Rates By Vehicle Type In Las Vegas

Vehicle Average Monthly Rate
Dodge Charger $790
Ford Edge $458
Nissan Sentra $172
Volkswagen Jetta $100

The type of vehicle you own significantly influences your car insurance premiums. Insurance providers consider factors such as the make, model, year, and body type of your vehicle. Typically, newer and more luxurious cars equipped with advanced technology and costly components incur higher insurance expenses.

Conversely, if you own an older or more affordable car that is easier and cheaper to repair or replace, your insurance rates may be lower. Insurers take these factors into account as they impact the potential payout for claims; repairing a luxury vehicle generally costs more than repairing a standard one. Additionally, certain car models known for their safety features may qualify for insurance discounts due to their lower likelihood of accidents or injuries.

 

How Much Is Car Insurance For Other Cities In Nevada?

City Average Monthly Rate
Indian springs $185
Jean $164
Las Vegas $265
Mesquite $129
Carson City $122
Elko $135
Fallon $125
Gardnerville $110
Henderson $225
Incline Village $122

Where you reside has a significant impact on your car insurance costs. Insurance providers consider various factors about your location, such as the frequency of accidents, car theft rates, and incidents of vandalism. Typically, urban areas experience higher occurrences of these events, resulting in higher insurance premiums for residents.

FAQs

Who has the lowest car insurance rates in Las Vegas?

State Farm offers the cheapest car insurance rates in Las Vegas for the basic coverage required by Nevada state law. Additionally, State Farm provides comprehensive coverage, including both comprehensive and collision protection, at competitive prices.

What is the average cost of car insurance in Las Vegas?

In Las Vegas, people usually spend about $200 every month on car insurance. The amount can vary based on where you reside, the type and age of your car, your driving record, and other important aspects.

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