Cheapest Car Insurance Quotes in Las Vegas, NV (2023)

While 32 million people visited Las Vegas, Nevada, between January and October 2022, only 646,000 people call Sin City home. If you live in Las Vegas, car insurance costs might be high enough for your budget to feel the pinch. Minimum-coverage car insurance in Las Vegas costs an average of $368 per month, approximately 15% less than the average cost of car insurance for drivers in Nevada.

The exact reasons behind your car insurance costs vary. But as a Las Vegas driver, the high-volume tourist industry and a relatively high rate of DUIs contribute to higher premiums.

How much does car insurance cost in Las Vegas?

Based on an analysis of the latest insurance rates, Insurify data scientists nailed down some average costs. The average cost of full-coverage auto insurance in Las Vegas is $413 per month, while the average cost of a minimum-coverage car insurance policy in the city is $368 per month.

Keep in mind that these are average costs. Your unique situation will affect how much you pay. When an insurance company determines premiums, it takes a variety of factors into account, including your driving history, age, vehicle, policy type, and more. Since companies weigh these factors differently, you’ll likely find a wide range of costs across insurance companies.

Some insurance companies tend to charge less than others. We tracked down the cheapest car insurance in Las Vegas:

• Cheapest liability-only insurance: Sun Coast offers drivers the cheapest liability-only policies. On average, Las Vegas drivers pay $125 per month for a liability-only policy with Sun Coast.

• Cheapest full-coverage policy: Sun Coast offers drivers an average monthly premium of $266 for a full-coverage policy.

• Cheapest insurance for young drivers: Sun Coast earns the prestige of being the cheapest car insurance option for young drivers in Las Vegas.

On average, Sun Coast wins out as the cheapest option. But as a driver, the only way to find the most cost-effective premiums is to shop around. When you get quotes from multiple car insurance companies, you’ll have the power to choose the policy that best suits your needs.

Want to see how Las Vegas car insurance costs stack up to the rest of the state? Explore the details of Nevada car insurance costs.

Cheapest car insurance in Las Vegas: Sun Coast

On average, Sun Coast offers the cheapest car insurance option for both liability-only and full-coverage insurance. But your exact premium costs will vary based on your location, driving record, age, vehicle type, ZIP code, and more.

If you’re looking for the most cost-effective car insurance policy, shopping around can pay off. Although average rates are the cheapest with Sun Coast, it’s helpful to get quotes from multiple insurance companies.

Here’s a closer look at the breakdown of average costs across multiple insurance companies.

Check Out: Cheap Car Insurance for 2022

How much car insurance do you need in Las Vegas?

It’s illegal to drive without insurance in Las Vegas. The Nevada Division of Insurance sets a minimum amount of car insurance that you must carry. You’ll need 25/50/20 car insurance.^[1] Here’s how that breaks down:

• $25,000 in bodily injury liability coverage per person

• $50,000 in bodily injury liability coverage per accident

• $20,000 in property damage liability coverage

Not only do you need to pay for this minimum coverage, but you’ll need to carry some proof of insurance with you, too. Some insurance companies offer digital proof of insurance cards. But you might also decide to put a physical copy of this card in your wallet. A law enforcement officer can request this document at any time.

Keep in mind that these minimum insurance requirements are a bare-bones option. Depending on your situation, it might make sense to choose more coverage. For example, you might opt for comprehensive insurance to cover you in case your vehicle is vandalized.

Nevada DMV information

The Nevada Department of Motor Vehicles (DMV) offers services to help you get on the road. A handful of offices operate in Las Vegas, and you may need to make an appointment before driving over.

If you’re hoping to skip a physical trip, it’s possible to tackle a lot of your DMV needs online. A few of the services you can handle online include updating your policy information, checking your registration status, and canceling your registration.^[2]

Tips for getting cheap car insurance in Las Vegas

Las Vegas drivers pay an average of $395 per month for car insurance, which is more than $4,700 a year. Since the relatively high costs can take a big bite out of anyone’s monthly budget, finding cheap car insurance may be a priority for you.

Some of the best ways to lower your car insurance costs include:

• Be a safe driver. Drivers with a clean driving record tend to find lower auto insurance costs.

• Tap into discounts. Many insurance companies offer a suite of discount opportunities. For example, military members, students, and infrequent drivers may find savings available.

• Bundle with your homeowners or renters insurance. Many insurers will give you a discount when you buy multiple policies.

• Choose a higher deductible. A higher deductible often leads to lower insurance premiums. But don’t raise your deductible higher than what you can reasonably afford if you need to file a claim.

In addition to all the strategies above, shopping around offers one of the most effective ways of finding cheap car insurance. When you shop around, you can determine which insurance companies offer the lowest rates.

If you’re envisioning an afternoon of painful phone calls, don’t worry. An online quote-comparison tool can help you track down quotes from multiple companies within minutes. From there, you can opt to move forward with the cheapest rates.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Las Vegas

Drivers with more experience on the road tend to have fewer accidents than less experienced drivers.^[3] Teenage drivers pay the most for car insurance in Las Vegas. Rates start to drop off significantly after age 25.

Learn More: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Las Vegas

On average, young drivers in Las Vegas find the cheapest premiums with Sun Coast. If possible, maintain a clean driving record and shop around to lock in the best rates for your situation. Below are the average rates for full-coverage policies for young drivers.

Cheapest car insurance for middle-aged drivers in Las Vegas

Middle-aged drivers in Las Vegas will likely find more affordable premium options than young drivers. On average, drivers find the most affordable premiums through Sun Coast. But taking a few minutes to shop around can help you find the best rates. Middle-aged drivers can find the average rates below for full-coverage policies in Las Vegas.

Cheapest car insurance for senior drivers in Las Vegas

In Las Vegas, senior drivers can find some of the lowest car insurance rates. On average, seniors find the lowest rates through Mercury. Before diving into any insurance policy, shop around to confirm you’re getting the cheapest rate. Here are the average rates for full-coverage policies for seniors.

How credit scores affect cheap car insurance in Las Vegas

Many insurance companies look at credit score information when determining insurance premiums. In Las Vegas, drivers with good credit scores tend to pay less for insurance than drivers with bad credit scores.

FICO scores fall on a scale between 300 and 850. A good credit score falls between 670 and 739, while a fair credit score falls between 580 and 699. FICO scores below 579 are considered poor. If you want to improve your credit score, consider making on-time payments and keeping your credit utilization ratio low.

Here’s how average monthly quotes for full-coverage policies break down by credit score:

Learn More: Car Insurance Rates by Credit Tier

How driving habits affect car insurance in Las Vegas

Insurance companies look at your driving record when determining premiums. In general, drivers with a clean record pay less for car insurance than drivers with a bad track record.

Cheapest car insurance with an accident in Las Vegas: Nationwide

Nationwide offers drivers with an accident the cheapest car insurance, at $243 per month. No one wants to get into a car accident. Beyond the headache of repairing your vehicle and potential liability, your car insurance costs will likely increase. But even with this risk factor, some insurance companies offer affordable options.

Cheapest car insurance with a DUI in Las Vegas: Sun Coast

A DUI is a serious red mark on your driving record, which makes you a high-risk driver. Insurance companies compensate for this higher risk with higher premiums. In general, drivers will find higher rates for car insurance after a DUI. But shopping around can help you avoid overpaying. For example, Sun Coast offers drivers with a DUI average monthly premiums of $253.

Cheapest car insurance with a speeding ticket in Las Vegas: Travelers

As you cruise through the streets of Las Vegas, it’s easy to get a speeding ticket. Unfortunately, a speeding ticket is a red flag for insurance companies. If you get a speeding ticket, you’ll likely see your car insurance costs increase. But Travelers offers drivers with a speeding ticket the cheapest option, with an average of $326 per month.

Car insurance in other Nevada cities

Car insurance rates can vary greatly from city to city, even within the same state. Las Vegas drivers tend to pay more than drivers living elsewhere in the Silver State.

Nevada drivers living in cities with a slower pace, like Reno or Henderson, can expect to pay lower premiums.  

Here’s a look at car insurance in other Nevada cities.

• Cheap Auto Insurance Quotes in Carson City, NV

• Cheap Auto Insurance Quotes in Reno, NV

• Cheap Auto Insurance Quotes in North Las Vegas, NV

• Cheap Auto Insurance Quotes in Boulder City, NV

• Cheap Auto Insurance Quotes in Henderson, NV

Find local Las Vegas agents

Las Vegas car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Las Vegas.