Best cheap car insurance in Las Vegas for 2025

The best car insurance companies in Las Vegas

Finding the best car insurance company in Las Vegas can be complicated due to the city's high average coverage costs. To help, Bankrate’s insurance editorial team reviewed the best Nevada auto insurers to see which companies offer the lowest premiums along with the best customer service, coverage options, discounts and third-party rankings. To distill all those factors into a single snapshot of how well each insurer meets the needs of Las Vegas drivers, we assigned a Bankrate Score on a five-point scale to every company.

The cheapest car insurance companies in Las Vegas

According to Bankrate’s research, Geico, Progressive and USAA are the cheapest Nevada auto insurers for most drivers in Las Vegas seeking state minimum coverage. Keep in mind, however, that these are average rates and a different insurance company could offer you a cheaper rate based on your risk profile. Comparing personalized quotes is the only way to determine which provider is the cheapest car insurance company for you.

How much is car insurance in Las Vegas, Nevada?

The average cost of car insurance in Las Vegas, Nevada is $4,109 per year for full coverage or $1,256 per year for state minimum coverage. For drivers with full coverage, that’s 15 percent more than the Nevada state average and 53 percent more than the national average.

But average rates for middle-aged drivers with clean records — like those shown above — only tell part of the story. Age and driving experience play a major role in shaping car insurance costs in Las Vegas.

Las Vegas rates for teens

Teen drivers cost considerably more to insure than adults due to their lack of experience on the road. Because inexperienced teen drivers have much higher rates of accidents and violations, insurers price a policy higher if a teen is included — and for teens 18 and older with standalone policies, rates can be even higher. On average, a married couple with an 18-year-old on their policy in Las Vegas pay $7,470 per year for full coverage; on a standalone policy, that 18-year-old driver would pay an average of $10,190 per year.

Las Vegas rates for young drivers

In early adulthood, standalone policies tend to become more affordable just as many drivers move away from home permanently. Insurers also typically charge less as a driver approaches age 25 and gains experience behind the wheel. A 20-year-old driver with a standalone policy pays an average of $8,362 per year for full coverage in Las Vegas, while a 25-year-old pays an average of $5,058 per year.

Las Vegas rates for adults

In adulthood, car insurance rates tend to stabilize, with 30-year-olds in Las Vegas paying an average of $4,379 per year for full coverage and 50-year-olds paying $3,864 per year.

Las Vegas rates for senior drivers

Senior drivers often pay the lowest auto insurance premiums of any age group, thanks to a lifetime of experience behind the wheel. However, insurers may begin to raise prices again as drivers reach their 70s, since reduced reaction time and increased medical fragility can lead to a higher risk of serious accidents. On average, 70-year-old drivers in Las Vegas pay $4,078 per year for full coverage, as compared to $3,680 at age 60.

The cheapest car insurance in Las Vegas by driving record

When you apply for a car insurance policy, insurance companies analyze your motor vehicle report (MVR), a record of any moving violations or accidents. In Las Vegas, drivers with recent speeding tickets, at-fault accidents or DUI convictions generally pay significantly more for auto insurance than drivers with clean records.

Car insurance with a speeding ticket in Las Vegas

A Nevada speeding ticket could raise your insurance rates considerably. In Las Vegas, drivers with a single speeding ticket conviction pay $5,019 per year for full coverage — 22 percent more than drivers with clean records.

Car insurance after an accident in Las Vegas

An at-fault accident on your driving record signals to insurers that you may be more likely to file costly claims. Drivers with one at-fault accident on their record pay 42 percent more for full coverage than drivers with no accidents, for an annual total of $5,823.

Car insurance after a DUI in Las Vegas

Penalties for a DUI in Las Vegas include vehicle impoundment, license suspension, fines from $400 to $1,000 and anywhere from two days to six months in jail. You may also need to retake your DMV tests and attend DUI school — and you’ll need to have an SR-22 certificate of liability insurance for three years following conviction.

That liability insurance will cost more than average after DUI conviction. On average, Las Vegas drivers with a single DUI conviction pay $2,126 per year for state minimum coverage — 69 percent more than drivers with clean records.

Frequently asked questions

Methodology 

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.