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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
Country Financial offers Las Vegas drivers the cheapest car insurance, with an average monthly rate of $69.
Las Vegas drivers pay an average of $200 per month for liability coverage and $286 per month for full coverage.
State Farm, GEICO, and Allstate are our top picks for auto insurance in Las Vegas.
Car insurance rates in Las Vegas vary widely based on factors like the coverage you choose, your age, and your driving history. That’s why it’s important to compare average rates for drivers with a profile similar to yours — not just citywide averages.
Take a look at the table below to see the cheapest insurers in Las Vegas for different coverages, drivers, and driving records, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | Country Financial |
| Full coverage | Country Financial |
| Teens | Country Financial |
| Seniors | Country Financial |
| Drivers with a speeding ticket | Country Financial |
| Drivers with an at-fault accident | Country Financial |
| Drivers with a DUI | Country Financial |
| Drivers with excellent credit | Country Financial |
| Drivers with poor credit | Country Financial |
Las Vegas drivers pay an average of $243 per month for car insurance. But just because average rates exceed the national average doesn’t mean you can’t find affordable options.
Below are the cheapest car insurance companies in Las Vegas and each insurer’s average monthly car insurance premiums, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $69 |
| State Farm | $101 |
| Just Pay-Per-Mile | $132 |
| USAA | $141 |
| Allstate | $181 |
| Sun Coast | $183 |
| Mercury | $191 |
| Mendota | $220 |
| Safeco | $226 |
| GEICO | $232 |
| Direct Auto | $236 |
| Trexis | $236 |
| Root | $237 |
| Progressive | $244 |
| Just Unlimited | $252 |
| Farmers | $282 |
| Liberty Mutual | $288 |
| Nationwide | $292 |
| Bristol West | $307 |
| Travelers | $338 |
| American Family | $345 |
Category | Price |
|---|---|
| $78 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.9% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
The coverage levels you choose can affect your auto insurance rates. Liability coverage at the state-minimum limits is the cheapest policy available to drivers. Liability insurance only covers medical expenses for the other party and won’t cover repairs to your own vehicle after an at-fault accident.
In Las Vegas, liability coverage averages $200 per month. You can find great rates for bare-bones coverage, but for most drivers, it’s worth considering additional protection for financial peace of mind.
The companies in the chart below offer the cheapest liability coverage in Las Vegas, according to our data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $69 |
| State Farm | $101 |
| Just Pay-Per-Mile | $132 |
| USAA | $141 |
| Allstate | $181 |
| Sun Coast | $183 |
| Mercury | $191 |
| Mendota | $220 |
| Safeco | $226 |
| GEICO | $232 |
| Direct Auto | $236 |
| Trexis | $236 |
| Root | $237 |
| Progressive | $244 |
| Just Unlimited | $252 |
| Farmers | $282 |
| Liberty Mutual | $288 |
| Nationwide | $292 |
| Bristol West | $307 |
| Travelers | $338 |
| American Family | $345 |
Nevada law requires drivers to have proof of insurance when they’re behind the wheel. Drivers who fail to show proof of insurance pay fines of up to $1,750, depending on the length of the coverage lapse and whether or not it’s their first offense.
Nevada drivers must buy liability insurance that meets the following minimum coverages:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$20,000 in property damage liability per accident
For more information on Nevada’s auto insurance requirements, visit the Nevada DMV site.[1]
Full coverage is a more robust policy type that includes collision and comprehensive coverage, which covers damage to your own vehicle. On average, full coverage is more expensive than liability insurance.
Las Vegas drivers pay an average of $286 per month for full coverage.
Here are the cheapest full-coverage policies in Las Vegas, along with their average monthly premiums, according to our data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $97 |
| State Farm | $142 |
| Just Pay-Per-Mile | $190 |
| USAA | $198 |
| Safeco | $244 |
| Allstate | $254 |
| Mercury | $278 |
| Progressive | $283 |
| GEICO | $301 |
| Sun Coast | $311 |
| Root | $328 |
| Liberty Mutual | $345 |
| Mendota | $367 |
| Just Unlimited | $374 |
| Direct Auto | $392 |
| Farmers | $397 |
| Nationwide | $409 |
| Trexis | $458 |
| Travelers | $475 |
| American Family | $486 |
| Bristol West | $487 |
Teen drivers pay by far the most for car insurance in Las Vegas. Recent data from the Centers for Disease Control and Prevention (CDC) shows teens have a fatal crash rate three times higher than that of drivers aged 20 and older.[2] Auto insurance companies manage these risks by charging teens higher monthly premiums.
The average monthly car insurance rate for Las Vegas teens is $406 for a standalone policy. But teens can save by staying on their parents’ policy, choosing a safe car, and qualifying for good student discounts.
Let’s take a look at the cheapest companies for teen drivers in Las Vegas, according to our data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $106 |
| State Farm | $189 |
| Just Pay-Per-Mile | $221 |
| USAA | $250 |
| Sun Coast | $306 |
| Mercury | $336 |
| Root | $341 |
| Allstate | $345 |
| Mendota | $368 |
| Trexis | $395 |
| GEICO | $402 |
| Progressive | $408 |
| Just Unlimited | $421 |
| Direct Auto | $442 |
| Safeco | $442 |
| Liberty Mutual | $484 |
| Bristol West | $522 |
| Farmers | $544 |
| Nationwide | $548 |
| American Family | $628 |
| Travelers | $680 |
Rates in Las Vegas start at $58 per month.
Drivers older than 60 pay some of the cheapest average rates in Las Vegas. Less commuting and fewer long road trips mean senior drivers spend less time on the roads — making them less of a risk for accidents.[3]
In Las Vegas, seniors pay around $206 per month for coverage. But you can find an even better deal if you know where to look. Start your search with the cheapest insurers for Las Vegas drivers in the chart below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $54 |
| State Farm | $79 |
| Just Pay-Per-Mile | $112 |
| USAA | $113 |
| Allstate | $145 |
| Mercury | $150 |
| Sun Coast | $155 |
| GEICO | $182 |
| Mendota | $187 |
| Direct Auto | $192 |
| Safeco | $195 |
| Trexis | $200 |
| Progressive | $207 |
| Just Unlimited | $214 |
| Root | $216 |
| Nationwide | $221 |
| Farmers | $221 |
| Liberty Mutual | $237 |
| Bristol West | $254 |
| Travelers | $267 |
| American Family | $273 |
Car insurance companies look at your driving record when determining your rates. Drivers with traffic violations and at-fault accidents face higher rates because they’re considered more likely to file claims in the future.[4]
The table below compares the cheapest car insurance companies in Las Vegas for drivers with a recent speeding ticket, at-fault accident, or driving under the influence (DUI) conviction, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $92 |
| State Farm | $127 |
| Just Pay-Per-Mile | $162 |
| USAA | $180 |
| Sun Coast | $224 |
| Allstate | $233 |
| Mercury | $261 |
| Mendota | $269 |
| Root | $280 |
| Trexis | $289 |
| Direct Auto | $293 |
| Safeco | $294 |
| Progressive | $299 |
| GEICO | $301 |
| Just Unlimited | $309 |
| Farmers | $358 |
| Liberty Mutual | $363 |
| Nationwide | $374 |
| Bristol West | $383 |
| Travelers | $434 |
| American Family | $442 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $92 |
| State Farm | $131 |
| Just Pay-Per-Mile | $165 |
| USAA | $185 |
| Sun Coast | $229 |
| Allstate | $237 |
| Mendota | $276 |
| Mercury | $279 |
| Root | $290 |
| Trexis | $296 |
| GEICO | $298 |
| Progressive | $306 |
| Safeco | $307 |
| Direct Auto | $314 |
| Just Unlimited | $316 |
| Farmers | $368 |
| Liberty Mutual | $373 |
| Nationwide | $384 |
| Bristol West | $395 |
| Travelers | $445 |
| American Family | $453 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $92 |
| State Farm | $137 |
| Just Pay-Per-Mile | $168 |
| USAA | $192 |
| Sun Coast | $233 |
| Allstate | $246 |
| Mercury | $277 |
| Mendota | $281 |
| Trexis | $301 |
| Progressive | $311 |
| GEICO | $313 |
| Direct Auto | $321 |
| Just Unlimited | $321 |
| Root | $322 |
| Safeco | $327 |
| Farmers | $383 |
| Liberty Mutual | $391 |
| Nationwide | $397 |
| Bristol West | $417 |
| American Family | $447 |
| Travelers | $459 |
Car insurance rates aren’t based on your driving record alone. Many insurers consider your credit history by using a credit-based insurance score to help predict your likelihood of filing a claim. That’s why drivers with good credit usually pay less than those with poor credit.
Las Vegas drivers with good credit pay an average of $207 per month compared to $280 per month for drivers with poor credit.
While Nevada allows companies to use credit when setting rates, not all insurers do — and some offer affordable rates regardless.[5]
Check out the table below to see the cheapest companies for Las Vegas drivers with excellent and poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $61 |
| State Farm | $83 |
| Just Pay-Per-Mile | $112 |
| USAA | $122 |
| Allstate | $155 |
| Sun Coast | $156 |
| Mercury | $160 |
| Mendota | $187 |
| GEICO | $189 |
| Safeco | $199 |
| Trexis | $201 |
| Direct Auto | $205 |
| Progressive | $208 |
| Root | $209 |
| Just Unlimited | $215 |
| Liberty Mutual | $232 |
| Farmers | $239 |
| Nationwide | $253 |
| Bristol West | $268 |
| Travelers | $290 |
| American Family | $291 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $80 |
| State Farm | $140 |
| Just Pay-Per-Mile | $152 |
| USAA | $166 |
| Sun Coast | $211 |
| Allstate | $215 |
| Mercury | $224 |
| Mendota | $253 |
| Safeco | $268 |
| Trexis | $271 |
| GEICO | $275 |
| Direct Auto | $280 |
| Progressive | $281 |
| Root | $281 |
| Just Unlimited | $290 |
| Liberty Mutual | $330 |
| Farmers | $335 |
| Nationwide | $347 |
| Bristol West | $365 |
| American Family | $398 |
| Travelers | $401 |
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Getting cheap car insurance in Las Vegas starts with understanding that insurers don’t all charge the same rates, even for the same coverage. Small differences in how insurers assess risk can lead to big price differences for Las Vegas drivers.
Here are a few strategies to get lower rates.
Choose the right coverage. If you’re driving an older vehicle, paying for full coverage (comprehensive or collision coverage) may not make financial sense.
Ask insurers about discounts. Some companies offer savings for bundling policies, tracking driving habits through usage-based programs, or maintaining a safe driving record.
Practice safe driving. Keeping a clean driving record by avoiding accidents and speeding tickets — especially in high-traffic areas — can help keep your rates down.
Review your policy before renewal. Insurance pricing changes often, and getting new quotes before your policy renews could save you money.
There’s no single best company for everyone. Certain companies might work for one driver’s specific needs and budget better than others.
Below, we’ll highlight the best auto insurance companies for different demographics of drivers.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great option if you’re looking for solid coverage at a great price. After all, the company offers some of the city’s lowest average rates, according to Compare.com data. It also boasts a robust repair network and some of the highest customer satisfaction scores in the industry.
That said, you have to work with a local agent to manage your State Farm policy — most insurers give you the option to do so online.
Affordable average rates for Las Vegas drivers
Highly rated local agents
Strong financial standing
Must manage policy through an agent
Doesn't offer accident forgiveness coverage
Gap coverage restricted to customers who originate an auto loan through State Farm Bank
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $191/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $247/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Teen drivers pay more than any age group for auto insurance, but GEICO offers plenty of opportunities for young drivers to save. On top of relatively cheap average rates for teens, the company offers several discount programs tailored to new drivers, including a good student discount, a defensive driver discount, and savings for keeping your car at home when you go to college (as long as your school is at least 100 miles from home).
But keep in mind that these great rates and multiple savings opportunities come at a cost. GEICO typically doesn’t rank atop customer satisfaction scores, nor does it have local agents that can help you understand and manage your policy.
Affordable rates for young drivers
Several youth-specific discounts
Highly rated mobile app
Spotty customer service scores
No local agent network
Potentially frustrating claims process
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $153/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $212/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
America’s fourth-largest auto insurer by market share, Allstate serves drivers in all 50 states. The company offers all standard car insurance products, as well as optional coverages like rideshare insurance or classic car insurance.
Additionally, you can save more by enrolling in Drivewise, Allstate’s telematics program that rewards safe driving.
Cheaper-than-average rates for full coverage
AM Best financial strength rating of A+ (Superior)
Offers telematics-based Drivewise program
Potentially slow claims processing
Below-average J.D. Power customer satisfaction rating
More NAIC complaints than average
Compare personalized quotes from Las Vegas' cheapest companies.
The following are answers to common questions about auto insurance in Las Vegas.
Drivers pay an average of $243 per month for auto insurance in Las Vegas, according to Compare.com data.
Country Financial is the cheapest auto insurance company in Las Vegas, with an average rate of $69 per month.
Auto insurance pricing in Las Vegas varies, so there isn’t one company that works best for everyone. Different insurers may stand out depending on the driver and coverage needs. Our research found that State Farm, GEICO, and Allstate are among the most competitive options for Las Vegas drivers.
Car insurance in Las Vegas can be expensive, depending on factors like your driving history, vehicle, location, age, and coverage choices. Las Vegas drivers pay an average of $243 per month. That’s higher than both the statewide and national average of $202 per month and $140 per month, respectively.
Not always. Nevada’s minimum liability insurance requirements only cover damage you cause to others. So if you cause a serious crash with costs that exceed the state’s 25/50/20 limits, you could still be on the hook for the rest.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.