Las Vegas, NV Car Insurance

Residents of Las Vegas pay, on average, about $111 per month for car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Las Vegas measure up compared to neighboring areas, including Nevada as a whole? What should residents of Las Vegas expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Las Vegas?

Area Average Monthly Car Insurance Premium
Las Vegas$111
NV$99
United States$81

As you can see in the chart above, it is around $12 a month more expensive to insure your vehicle in Las Vegas than it is in the rest of Nevada.

Similarly, drivers in Las Vegas may pay higher rates than the rest of the country. The cost of insuring a vehicle in Las Vegas is about $30 more expensive than the average rate for the rest of the U.S.

These may be the average auto insurance rates for Las Vegas, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But worry not, we've done the heavy lifting and broken down the average rate for Las Vegas to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$620
18-24$185
25-34$104
35-44$97
45-54$91
55-64$87
65+$96

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $89 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates start to rise again in Las Vegas.

Average Car Insurance Rates by Gender

Gender Average
Male$113
Female$108

In general, women pay slightly less for car insurance than men. The difference in Las Vegas is about $5 a month. As you can see in the table above, male drivers in the area typically pay $113 on average, while female drivers typically pay $108 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$141
Multiple Accidents$168
1 Ticket$128
Multiple Tickets$163

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Las Vegas, drivers with one accident on their record will experience rates around $141 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $128.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$152
2-3 Years$160
4-5 Years$131
6-7 Years$109
8-10 Years$108
11-14 Years$111
15 Years or Older$102

The most affordable vehicles to insure in Las Vegas are typically trucks and vans, which run about $103 per month.

Car owners can expect to pay an average of around $112 a month for their policy, while SUVs usually cost around $115 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Las Vegas, 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)$118
Married$97
Divorced$93
Widowed$100

Generally, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Las Vegas is no exception, with the difference totaling to around $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$102
Rent$109
Live with parents$159

One other element taken into consideration is your housing status. Those who own their own home in Las Vegas can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Las Vegas, NV

Recent trends in car insurance for Las Vegas drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for auto insurance in Las Vegas rose from 2017-2019, but began to decrease in 2020. This trend has continued through 2022 when rates have most recently reached $98.

How does Las Vegas compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Off-street parking accessibility
  • Community laws
  • Prevalence of crime
  • Total amount of drivers in the community
  • Rate of car accidents

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. Realizing 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 corner of the world.

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.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Las Vegas.

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Las Vegas Insurance FAQs

What factors affect car insurance quotes in Las Vegas?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Las Vegas or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes