Cheapest Car Insurance In Las Vegas, NV 2026
Country Financial offers the cheapest liability-only car insurance in Las Vegas, with an average rate of $50 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Las Vegas, NV, the options can vary greatly.
For those seeking the cheapest liability-only coverage, Country Financial emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that USAA offers the best rates for full coverage policies. While GEICO offers the cheapest car insurance rates for young drivers.
Key Takeaways
Las Vegas’ cheapest liability-only car insurance company is Country Financial.
Car insurance in Las Vegas costs an average of $285 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Las Vegas – Country Financial
Country Financial is the cheapest car insurance company for minimum coverage car insurance in Las Vegas, with an average monthly cost of $50.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $50 | $600 |
| GEICO | $99 | $1,188 |
| Nationwide | $61 | $732 |
| Progressive | $75 | $900 |
| State Farm | $103 | $1,236 |
Cheapest Full Coverage Insurance In Las Vegas – USAA
USAA has the cheapest car insurance rates for full coverage. Their quotes average $261 a month in Las Vegas.
The table below compares average auto insurance quotes from affordable insurers in Las Vegas.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $337 | $4,044 |
| GEICO | $300 | $3,600 |
| Progressive | $314 | $3,768 |
| State Farm | $286 | $3,432 |
| USAA | $261 | $3,132 |
Cheapest Car Insurance For Senior Drivers – GEICO
GEICO offers the cheapest car insurance policy for seniors in Las Vegas, at an average rate of $153 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $180 | $2,160 |
| GEICO | $153 | $1,836 |
| Nationwide | $163 | $1,956 |
| Progressive | $158 | $1,896 |
| State Farm | $170 | $2,040 |
Cheapest Car Insurance In Las Vegas For Teenagers – GEICO
Teenage drivers in Las Vegas can find the cheapest quotes from GEICO, with average monthly premiums of $298.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $312 | $3,744 |
| Farmers Insurance | $304 | $3,648 |
| GEICO | $298 | $3,576 |
| Progressive | $317 | $3,804 |
| State Farm | $310 | $3,720 |
Find Affordable Las Vegas Rates
Cheapest Car Insurance In Las Vegas After A Speeding Ticket – Travelers
Travelers offers the cheapest car insurance in Las Vegas, with average rates of $172 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $184 | $2,208 |
| GEICO | $176 | $2,112 |
| Progressive | $190 | $2,280 |
| State Farm | $181 | $2,172 |
| Travelers | $172 | $2,064 |
Cheapest For Drivers With After At-Fault Accident – GEICO
GEICO offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $214 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $229 | $2,748 |
| GEICO | $214 | $2,568 |
| Progressive | $222 | $2,664 |
| State Farm | $218 | $2,616 |
| Travelers | $233 | $2,796 |
Cheapest Rates In Las Vegas For Drivers After A DUI – State Farm
State Farm offers the cheapest rates for drivers after a DUI in Las Vegas, with average monthly premiums of $214.
Drivers in Las Vegas with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $300 | $3,600 |
| GEICO | $261 | $3,132 |
| Progressive | $282 | $3,384 |
| State Farm | $214 | $2,568 |
| USAA | $228 | $2,736 |
Best Car Insurance Companies In Las Vegas
Drivers in Las Vegas can find the most affordable insurance with Capital Insurance Group for $112 a month. Las Vegas drivers might want to also consider Country Financial at $129 a month, or GEICO at $136 per month.
Shown below are the top 10 car insurance companies in Las Vegas, NV, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $272 |
| American Family | $265 |
| Capital Insurance Group | $112 |
| Country Financial | $129 |
| Farmers | $257 |
| GEICO | $136 |
| Mercury | $155 |
| Nationwide | $233 |
| State Farm | $216 |
| USAA | $181 |
Average Car Insurance Cost In Las Vegas
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Las Vegas is $285 per month, compared to the Nevada state average of $261, and the national average of $186 per month.
| Area | Average Monthly Rate |
| National | $186 |
| Nevada | $261 |
| Las Vegas | $285 |
Average Auto Insurance Rates In Las Vegas – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,095 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,095 |
| 20s | $3,290 |
| 30s | $2,827 |
| 40s | $2,676 |
| 50s | $2,578 |
| 60s | $2,654 |
| 70s | $2,934 |
Average Car Insurance Rates In Las Vegas – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Las Vegas for different vehicles.
| Vehicle | Average Monthly Rate |
| Honda Civic | $258 |
| Nissan Altima | $266 |
| Toyota Camry | $262 |
| Toyota RAV4 | $276 |
| Chevrolet Silverado | $283 |
Find Affordable Las Vegas Rates
Average Cost Of Auto Insurance In Las Vegas – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Las Vegas.
| Zip Code | Average Monthly Rate |
| 89108 | $300 |
| 89110 | $315 |
| 89115 | $307 |
| 89121 | $312 |
| 89129 | $292 |
How Much Is Car Insurance In Other Cities In Nevada?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in North Las Vegas can expect to pay around $224 per month for car insurance, while residents of Sparks pay an average rate of $204 per month.
| City | Average Monthly Rate |
| Boulder City | $208 |
| Henderson | $214 |
| North Las Vegas | $224 |
| Reno | $206 |
| Sparks | $204 |
FAQs
Who has the lowest car insurance rates in Las Vegas?
The lowest car insurance rates in Las Vegas are offered by Country Financial for the minimum coverage required by the State of Nevada and USAA for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Las Vegas?
The average cost of car insurance in Las Vegas is about $285 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Las Vegas, NV.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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