Cheapest Auto Insurance in Las Vegas, Nevada (2025)

If you live in Las Vegas and are in the market for car insurance, you should know premiums average $247 per month overall, which is more than Nevada’s overall monthly average of $201. The city’s population density and high volume of visitors from its many casinos and entertainment venues likely contribute to Las Vegas’ comparatively high car insurance costs.

But insurers like COUNTRY Financial, State Farm, and USAA all offer affordable rates for Sin City drivers.

Here’s what you should know about finding the cheapest car insurance in Las Vegas.

Best car insurance companies in Las Vegas

When shopping for car insurance, cost is important. But car insurance premiums are unique to each driver, and not all the rating criteria affecting the quotes you receive are within your control.

For instance, the cheapest insurer for a driver with a clean record might not be the cheapest insurer for a driver with an at-fault accident. Similarly, a young person may pay a higher premium than an older driver simply because their age group has a higher statistical likelihood of an accident.

As you begin your search for your next car insurance policy, start with some of the state’s most affordable auto insurers, like COUNTRY Financial, USAA (if eligible), and Allstate.

Best insurer for low rates: COUNTRY Financial

Best insurer for military and veterans: USAA

Best insurer for discounts: Allstate

How to get the cheapest car insurance in Las Vegas

Car insurance premiums are personalized to each driver. Factors like your age, vehicle type, coverage limits, credit record, claims history, and deductibles can all affect your rate.

Here are some tips for getting the cheapest car insurance in Las Vegas for your situation:

• Look for discounts. Many Nevada car insurance companies offer discounts that can reduce your premium. For example, you can often get savings for having safety features in your vehicle, enrolling in automatic payments, insuring multiple vehicles, and taking an approved defensive driving course.

• Choose higher deductibles. For policies that require a deductible, like collision or comprehensive insurance, choosing a higher deductible will lower your monthly premium.

• Pay in full. Most car insurance companies offer a small discount to drivers who pay their annual premium up front in a lump sum.

• Bundle your policies. Bundling two or more insurance policies with the same company, like auto insurance and home insurance, usually generates a significant discount.

Cheapest liability-only car insurance in Las Vegas: COUNTRY Financial

Liability-only car insurance covers your financial responsibilities when you cause an accident. Specifically, it pays for another driver’s medical expenses if they get injured. It also covers property damage, like vehicle repairs.

The cheapest insurer for liability-only car insurance in Las Vegas is COUNTRY Financial, with rates that start at $48 per month.

The companies below have the cheapest liability-only insurance in Las Vegas:

Cheapest full-coverage car insurance in Las Vegas: COUNTRY Financial

A full-coverage car insurance policy provides more protection than a liability-only policy. Full-coverage policies typically include liability insurance plus collision, comprehensive, and medical payments insurance. If you lease or finance your vehicle, your leasing company or lender will require you to have full coverage.

Full-coverage car insurance is typically more expensive than liability-only coverage because it provides more financial protection from at-fault accidents. But rates vary by insurer.

COUNTRY Financial is the cheapest car insurance company in Las Vegas, with full-coverage rates starting at $69 per month.

The companies featured below have the cheapest full-coverage car insurance in Las Vegas.

Car insurance requirements in Nevada

Car insurance is a legal requirement in Nevada, and vehicle owners must carry at least 25/50/20 in liability coverage.4 Nevada is also a tort state, meaning it’s an at-fault state. In the event of an accident, the at-fault driver is responsible for compensating the other person for their expenses.

Here are the minimum 25/50/20 car insurance coverage requirements in Nevada:

You can also benefit from raising your liability insurance policy limits or adding optional coverages to your basic policy. Here are several optional coverages to consider:

Cheapest car insurance for drivers with an incident

Your driving record is one of the biggest factors that can affect your car insurance rates. If you have any incidents on your record — like speeding tickets, at-fault accidents, DUIs, or other violations — you’ll probably pay a higher rate. This is because insurers consider drivers with a history of these violations as riskier to insure than drivers with a clean record.

Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial

Car insurance rates are typically more expensive for drivers who have gotten a speeding ticket. If you’ve received multiple speeding tickets over the last year, you might see an even bigger rate increase.

But the rate increase after a speeding ticket depends on your car insurance company. The cheapest insurer for drivers in Las Vegas with a speeding ticket is COUNTRY Financial, with liability-only rates starting at $58 per month.

Here, you can see which car insurance companies have the cheapest rates for drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: COUNTRY Financial

Drivers with an at-fault accident on their record usually pay higher car insurance rates as well. From the perspective of an insurance company, causing an accident makes you riskier to insure. The rate increase after an at-fault accident can be significant and could last for several years, but it depends on your insurer.

Las Vegas drivers with an accident on their motor vehicle record will find the cheapest rates with COUNTRY Financial, which offers monthly liability-only rates as low as $60.

These companies have the cheapest car insurance rates in Las Vegas for drivers with an at-fault accident on their record.

Cheapest car insurance for drivers with a DUI: COUNTRY Financial

A DUI is one of the most serious traffic violations you can get. As a result, it generally has the biggest effect on your car insurance premium. After being convicted of a DUI, you can expect your car insurance premium to increase significantly for many years. In Nevada, a DUI stays on your record permanently and can't be expunged.

Drivers in Las Vegas with a DUI pay an average of $472 per month for full coverage and $324 per month for liability-only coverage.

But some car insurance companies have lower rates for drivers with a DUI. In the table below, you can see which car insurance companies have the cheapest rates for Las Vegas drivers with a DUI on their record.

Cheapest car insurance for seniors: COUNTRY Financial

As you get older, your car insurance rates generally decrease in cost until you enter your 70s, when rates often become more expensive due to an increased risk of accidents.

Senior drivers in Las Vegas pay an average of $240 per month for full-coverage insurance.

Below, you can see which car insurance companies have the cheapest rates for seniors living in Las Vegas:

Cheapest car insurance for teens: COUNTRY Financial

Teen drivers pay some of the highest car insurance rates due to their lack of experience on the road. This is because the rate of car accidents is higher for teens between the ages of 16 and 19 than among any other age group.5

A liability-only policy costs teen drivers in Las Vegas $347 per month, on average, while full-coverage insurance costs an average of $506 per month.

Not surprisingly, then, staying on your parents’ car insurance policy is cheaper than getting your own policy. And minor teens can’t legally purchase their own policies without the written consent of a parent or guardian. But you have a few ways to save money on car insurance. For example, you can often get a discount for getting good grades in school. Insuring a vehicle with safety features, like an anti-theft device, can also help you get a cheaper rate.

In the table below, you can see which car insurance companies are the cheapest for teen drivers in Las Vegas.

Is car insurance more expensive in Las Vegas?

Yes. Car insurance in Las Vegas is much more expensive than the national average rate.

In Las Vegas, the average premium is $293 per month for full coverage and $201 per month for minimum coverage. To compare, the U.S. national average rate is $182 per month for full coverage and $103 per month for liability-only coverage.

While car insurance quotes are different in every state, your city and ZIP code within Nevada can also affect your premium. For example, the average rate in Henderson is $244 per month for full coverage. This city has a lower population than Las Vegas and may have lower accident frequency and less vehicle theft or vandalism, which contribute to cheaper rates.

More cities in Nevada

In the table below, you can see how the average car insurance rates in other Nevada cities compare to the average rates in Las Vegas.

Las Vegas car insurance FAQs