Las Vegas, NV Car Insurance

Drivers in Las Vegas pay around $112 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What should residents of Las Vegas expect to pay for their car insurance? How does Las Vegas stack up to the rest of the area, or even Nevada as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Las Vegas?

Area Average Monthly Car Insurance Premium
Las Vegas$112
NV$100
United States$80

Auto insurance policies in Las Vegas are about $12 a month more expensive than the rest of Nevada.

Drivers relocating the Las Vegas should take note of the differences in average rates. The cost of auto coverage in Las Vegas is about $32 more expensive than the national average.

While these numbers represent the average monthly payments for coverage in Las Vegas, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Las Vegas so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$620
18-24$187
25-34$107
35-44$98
45-54$91
55-64$87
65+$95

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Las Vegas drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$114
Female$110

In general, car insurance rates for women are usually cheaper than they are for men. This is true in Las Vegas, where women pay around $4 less a month. As you can see in the chart above, car insurance for women in the area typically costs around $110 each month, while men pay $114 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$150
Multiple Accidents$184
1 Ticket$144
Multiple Tickets$146

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Las Vegas with a single accident on their record will usually see rates around $144 a month. Likewise, drivers with one ticket will be looking at a rate of around $150 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$158
2-3 Years$171
4-5 Years$137
6-7 Years$111
8-10 Years$109
11-14 Years$113
15 Years or Older$103

According to the first table above, the cheapest vehicles to insure in Las Vegas are typically trucks and vans, at $101 per month.

Car owners can expect to pay an average of around $113 a month for their policy, while SUVs usually cost around $119 a month to insure.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Las Vegas, for example, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$121
Married$97
Divorced$93
Widowed$100

On average, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

In Las Vegas, the difference in rates based on relationship status can be as much as $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$103
Rent$111
Live with parents$160

Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Las Vegas can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Las Vegas, NV

Recent trends in car insurance for Las Vegas drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing your car insurance policy.

Auto insurance rates in Las Vegas rose from 2016-2019, but began to decrease from 2020-2021, when they reached a low of $106. Car insurance rates finished down in 2021, at $106 per month.

How does Las Vegas compare to neighboring areas?

Why are car insurance rates in Las Vegas different from other areas?

There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Frequency of car accidents
  • Amount of drivers in the area
  • Off-street parking accessibility
  • Local laws
  • Area crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Las Vegas?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Las Vegas in no time.

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Las Vegas Insurance FAQs

What factors affect car insurance quotes in Las Vegas?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Las Vegas different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Las Vegas?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Las Vegas?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Las Vegas or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes