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Car Insurance Quotes in Las Vegas, NV

Full coverage / year
$3,488
State minimum / year
$1,181
Typical quote range
$2,477 – $4,814

Full coverage car insurance in Las Vegas, NV runs an estimated $3,488 per year — roughly $291 monthly. That sits about 16% above the Nevada average, which is what you would expect from city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Las Vegas, NV

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$291/ month
$3,488 per year · carriers in Las Vegas, NV typically quote $2,477 – $4,814
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Las Vegas, NV

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,651$221-24%Military members and families only
Geico$2,860$238-18%Usually cheapest for clean records
State Farm$3,069$256-12%Strong for young and student drivers
Progressive$3,314$276-5%Competitive after a ticket or accident
Travelers$3,383$282-3%Good multi-policy discounts
Nationwide$3,488$2910%Mid-market, wide availability
Allstate$3,976$331+14%Higher base rate, heavy discount stacking
Farmers$4,220$352+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Las Vegas, NV. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Las Vegas

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$9,422$3,191$785
18 years old$7,947$2,692$662
20 years old$6,581$2,229$548
22 years old$5,466$1,851$455
25 years old$4,171$1,413$348
30 years old$3,596$1,218$300
40 years old$3,380$1,145$282
50 years old$3,236$1,096$270
60 years old$3,200$1,084$267
65 years old$3,344$1,133$279
70 years old$3,668$1,242$306
75 years old$4,279$1,449$357

Estimated premiums by age in Las Vegas, NV, clean record, sedan.

What a ticket, accident or DUI costs in Las Vegas

Driving recordEst. annualIncrease
Clean record$3,488—
1 speeding ticket$4,290+23%
1 at-fault accident$5,128+47%
DUI / DWI$6,593+89%

What a violation costs a 35-year-old in Las Vegas, NV. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Nevada

Every driver registering a vehicle in Nevada must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Nevada Department of Insurance.

Required coverage in NevadaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$20,000
Insurance systemAt-fault (tort)

Coverage levels compared in Las Vegas

Coverage levelEst. annualEst. monthly
State minimum liability$1,181$98
Full coverage (100/300/100 + comp & collision)$3,488$291
Full coverage, high limits + low deductible$4,151$346

Coverage level comparison for Las Vegas, NV.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Las Vegas

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Las Vegas covers 89101, 89102, 89103, 89104, 89106, 89107 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Las Vegas, NV?
Full coverage in Las Vegas is estimated at $3,488 a year ($291 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,181 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Nevada?
Nevada requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage. Nevada is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Las Vegas?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Las Vegas for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Las Vegas?
An 18-year-old in Las Vegas is estimated at $7,947 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Las Vegas?
A DUI takes the estimate from $3,488 to about $6,593 a year in Las Vegas, an increase of roughly 89%. Nevada drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Las Vegas?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

North Las VegasWinchesterSunrise ManorParadiseSpring ValleyWhitneySummerlin SouthEnterprise

Comparing more of Nevada? See every Nevada city we price or read the cheap car insurance guide for Las Vegas.