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How much is car insurance in North Las Vegas?
|Area||Average Monthly Car Insurance Premium|
|North Las Vegas||$121|
Looking at the chart above, you can see that it is around $21 a month more expensive to insure your vehicle in North Las Vegas than it is in the rest of Nevada.
Likewise, drivers in North Las Vegas may pay higher rates than the rest of the country. You can expect to pay about $41 more for your policy in North Las Vegas.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't worry, we've done the work for you and broken down the average rates for North Las Vegas to help you understand what your monthly premium might be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $94 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. North Las Vegas drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In North Las Vegas, this difference shakes out to about $20 per 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 $130 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in North Las Vegas with a single accident on their record will usually see rates around $138 a month. Likewise, drivers with one ticket will be looking at a rate of around $116 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$174|
|15 Years or Older||$108|
As you can see in the first table above, the cheapest vehicles to insure in North Las Vegas are typically trucks and vans, which run about $104 per month.
Car owners can expect to pay an average of around $124 a month for their policy, while SUVs usually cost around $114 a month to insure.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In North Las Vegas, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$131|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in North Las Vegas can be as much as $31 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$189|
One other element taken into consideration is your housing status. Renters can expect to pay around $3 a month more than those who own their own home in North Las Vegas. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in North Las Vegas, NV
Recent trends in car insurance for North Las Vegas drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In North Las Vegas, the rates for car insurance increased from 2016-2019, before steadying out in 2020. Policy premiums finished up in 2021, at $155 a month
How does North Las Vegas compare to neighboring areas?
Why are car insurance rates in North Las Vegas different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Rate of car accidents
- Rate of crime
- Off-street parking accessibility
- Area laws
- Total amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in North 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.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in North Las Vegas.
North Las Vegas Insurance FAQs
What factors affect car insurance quotes in North Las Vegas?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in North Las Vegas different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in North Las Vegas?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to North Las Vegas?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to North Las Vegas or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.