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Best cheap car insurance in Las Vegas for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico tied for a 2024 Bankrate Award for Best Budget Auto Insurance Company, and it’s one of the cheapest car insurance carriers in Las Vegas based on average rate data. But Geico also tied for Best Auto Insurance Company Overall and received a 2024 Bankrate Score of 4.4 for auto insurance in recognition of its low rates, coverage options for high-risk drivers and robust discount list. If you’re looking for the best car insurance in Las Vegas on a tight budget, you may want to get a quote from Geico.
Why Geico may be best for digital policy management: Although Geico maintains a handful of local agents in Las Vegas, most of its business is focused on digital platforms, including its top-rated mobile app, which offers tools from digital insurance cards and claims filing to photo estimates and a gas station locator. In J.D. Power’s 2024 U.S. Digital Experience Study, Geico ranked above-average in the shopping category, suggesting that it may be the ideal fit for drivers who prefer to purchase their insurance on their phone.
| Bankrate Score | 4.3 |
| J.D. Power | 618/1,000 |
| AM Best Rating | A++ |
| States covered | Best for digital policy management |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: Progressive has below-average rates on both full and minimum coverage in Las Vegas, and its 4.4. Bankrate Score makes it a strong pick for many drivers. Like Geico, Progressive offers excellent digital tools that may appeal to younger drivers or anyone who finds online policy management more convenient. It holds the top spot for digital customer service in the J.D. Power study, and ranks above-average for digital shopping. Progressive also tends to price insurance more forgivingly for drivers with accidents and violations on their driving record, which won it a 2024 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers.
Why Progressive may be best for discounts: Progressive offers a long list of discounts, encompassing everything from standard multi-car and multi-policy discounts to continuous insurance discounts, a teen driver discount and a homeowner discount, available even to those who don’t insure their home through Progressive. These discounts, along with Progressive’s Snapshot telematics program, could help to lower the carrier’s already-low premiums even further.
| Bankrate Score | 4.4 |
| J.D. Power | 614/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: Active and retired military members as well as their spouses and children are eligible for auto insurance coverage through USAA — and the premiums provided by this military-focused carrier are typically below the citywide average. In addition to its cheap car insurance rates, USAA received a higher customer satisfaction score than any other carrier in the Southwest region on the 2024 J.D. Power U.S. Auto Insurance Study. It also ranked above-average for auto claims satisfaction and digital shopping and service.
Why USAA may be best for military-focused coverage: USAA may not be the cheapest auto insurer for every military member or military family, but its average rates are below the Las Vegas average, and its services are focused on the needs of military drivers. USAA offers discounts for vehicles garaged on a military installation as well as affordable coverage options during deployment.
| Bankrate Score | 4.3 |
| J.D. Power | 733/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why American Family made our list: Drivers seeking a blend of low rates and strong customer service might find their best offer with American Family. American Family ranked third in the Southwest region for customer satisfaction according to the 2024 J.D. Power U.S. Auto Insurance Study. The company’s average rates for full coverage insurance are below the Las Vegas average, although minimum coverage costs are slightly higher.
Why American Family may be best for working with a local agent: While its digital tools fall behind the competition where customer service is concerned, American Family ranked in the top five for digital shopping experience. It also has a strong network of local agents in the Las Vegas area, making it an ideal potential choice for those who prefer to do insurance business in person rather than through an app.
| Bankrate Score | 4 |
| J.D. Power | 656/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Mercury made our list: Less-common coverage options, local agents and affordable average rates may make Mercury Insurance an appealing option for drivers in Las Vegas. Mercury offers competitive average rates for both full and minimum coverage and works with a network of local agents in addition to digital tools, which get mixed reviews in J.D. Power’s Digital Insurance Study. Ride-hailing coverage is available for policyholders who drive for Uber or Lyft to supplement their personal auto coverage and the insurance provided by their company, and drivers can purchase mechanical protection to help offset repair costs for key vehicle components a car insurance policy typically does not cover.
Why Mercury may be best for bundled policies: In addition to its strong Bankrate Score for auto insurance, Mercury also received a 4.3 Bankrate Score for home insurance and offers discounts to drivers who bundle these products. If you own your home in Las Vegas, it may be worth getting quotes from Mercury for a bundled policy.
| Bankrate Score | 3.5 |
| J.D. Power | |
| AM Best Rating | A |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe carriers recommended in this article were picked by Bankrate’s insurance editorial team, which includes licensed insurance agents with combined decades of industry experience. To ensure that our picks reflect the latest data, we studied the most recent premium data available from Quadrant Information Services along with 2024 analyses of third-party ratings, coverage availability, and other factors that impact Bankrate Scores.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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.
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|---|---|---|
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$432
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$1,691
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|
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$803
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$2,495
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|
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$717
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$2,750
|
|
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$1,223
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$3,103
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|
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$1,154
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$3,414
|
How much is car insurance in Las Vegas, Nevada?
The average cost of car insurance in Las Vegas, Nevada is $4,134 per year for full coverage or $1,357 per year for state minimum coverage. For drivers with full coverage, that’s 14 percent more than the Nevada state average and 55 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 $7,534 per year for full coverage; on a standalone policy, that 18-year-old driver would pay an average of $10,122 per year.
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|
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|---|---|---|
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$1,157
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$1,011
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$2,257
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$1,836
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$2,327
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$1,516
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|
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$2,404
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$2,038
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$2,505
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$2,028
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|---|---|---|
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$3,879
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$3,432
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$6,383
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$4,262
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$6,840
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$5,843
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|
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$7,492
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$6,432
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|
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$7,518
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$6,277
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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 $8,333 per year for full coverage in Las Vegas, while a 25-year-old pays an average of $5,096 per year.
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|---|---|---|
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$1,222
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$498
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$1,719
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$970
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$1,834
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$830
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$2,031
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$1,419
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$2,868
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$1,469
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|---|---|---|
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$4,106
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$1,869
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$5,055
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$2,958
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$5,603
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$2,938
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|
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$6,928
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$5,082
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|
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$7,873
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$4,441
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Las Vegas rates for adults
In adulthood, car insurance rates tend to stabilize, with 30-year-olds in Las Vegas paying an average of $4,416 per year for full coverage and 50-year-olds paying $3,882 per year.
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|---|---|---|---|
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$433
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$432
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$384
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|
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$777
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$717
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$701
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|
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$853
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$803
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$769
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|
|
$1,050
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$908
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$899
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|
|
$1,154
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$1,154
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$984
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|
|
|
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|---|---|---|---|
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$1,682
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$1,691
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$1,530
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|
|
$2,672
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$2,495
|
$2,359
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|
|
$2,859
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$2,750
|
$2,581
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|
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$3,103
|
$3,103
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$2,825
|
|
|
$3,414
|
$3,414
|
$2,967
|
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 $4,199 per year for full coverage, as compared to $3,739 at age 60.
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|---|---|---|
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$393
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$525
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|
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$682
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$864
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|
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$770
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$913
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|
|
$799
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$1,049
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|
|
$984
|
$1,176
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|
|
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|---|---|---|
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$393
|
$1,841
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|
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$770
|
$2,652
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|
|
$682
|
$2,845
|
|
|
$1,093
|
$2,954
|
|
|
$984
|
$3,316
|
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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 $4,946 per year for full coverage — 20 percent more than drivers with clean records.
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|---|---|---|
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$517
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$2,073
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|
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$963
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$3,480
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$1,004
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$3,098
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|
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$1,353
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$3,907
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|
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$1,407
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$5,003
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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 39 percent more for full coverage than drivers with no accidents, for an annual total of $5,750.
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|---|---|---|
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$709
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$2,704
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$1,217
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$4,267
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$1,254
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$3,746
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|
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$1,459
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$4,181
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|
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$1,647
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$5,565
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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 $2,348 per year for state minimum coverage — 73 percent more than drivers with clean records.
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|---|---|---|
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$960
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$3,676
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|
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$1,197
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$4,130
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$1,685
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$5,769
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|
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$1,802
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$5,297
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Mendakota
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$1,813
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$4,614
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Minimum coverage requirements in Las Vegas
All drivers in Las Vegas must carry at least the following coverage limits, as mandated by Nevada law:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
However, only carrying state minimum liability coverage could expose you to significant financial risk. Most insurance professionals recommend raising your liability limits to a higher level, such as 100/300/100, and/or adding comprehensive and collision coverage for a full coverage policy.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 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.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- 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.
