Table of contents
How much is car insurance in North Las Vegas?
|Area||Average Monthly Car Insurance Premium|
|North Las Vegas||$120|
As you can see, car insurance policies across the rest of Nevada are about $21 a month cheaper than the rates drivers pay in North Las Vegas.
Similarly, North Las Vegas residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $39 cheaper than it is in North Las Vegas.
While these are the average car insurance rates for North Las Vegas, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for North Las Vegas residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally speaking, the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $92 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement in North Las Vegas.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in average rates in North Las Vegas totals about $20 a month. Based on the chart above, you can see that male drivers pay $130 on average, while female drivers typically pay $110 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in North Las Vegas with one accident will pay around $134 a month. Similarly, drivers with one ticket will typically pay around $128 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$167|
|15 Years or Older||$108|
The cheapest vehicles to insure in North Las Vegas are typically trucks and vans, with each type typically costing about $105 per month.
Car owners will see a monthly bill of about $123, while SUV owners usually pay around $115 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in North Las Vegas are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$130|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in North Las Vegas can be as much as $30 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|
Another factor that comes into play is your living situation. If you rent your home or apartment in North Las Vegas, expect to pay around $3 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in North Las Vegas, NV
Recent trends in car insurance for North Las Vegas drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance in North Las Vegas increased from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $99 a month
How does North Las Vegas compare to neighboring areas?
Why are car insurance rates in North Las Vegas different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking access
- Number of car accidents
- Crime levels
- 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 influence them) as you shop for a new policy or consider relocating. With the knowledge 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 North Las Vegas?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in North Las Vegas.
North Las Vegas Insurance FAQs
What factors affect car insurance quotes in North Las Vegas?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in North Las Vegas different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 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 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to North Las Vegas or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?