Cheapest Auto Insurance in North Las Vegas, Nevada (2025)

North Las Vegas is the most expensive city for auto insurance rates in Nevada. Monthly average rates for car insurance in North Las Vegas are $251. That’s higher than the state’s monthly average of $203.

North Las Vegas’ population of 280,000 residents and close proximity to Sin City can drive up car insurance rates, despite how residential it is.1 Here’s what you need to know about getting cheap car insurance in North Las Vegas by comparing rates from multiple companies.

Cheapest car insurance companies in North Las Vegas

Searching for the cheapest and best car insurance company for your needs can take time. What’s best for your neighbor may not be the best option for you.

Here are some of the best auto insurers in North Las Vegas to start your search.

Best insurer for discounts: COUNTRY Financial

Best insurer for military members: USAA

Best insurer for coverage options: Safeco

How to get the cheapest car insurance in North Las Vegas

How much you pay for car insurance in North Las Vegas depends on many variables, like your age, gender, vehicle, ZIP code, credit score, and more. And while one of the best ways to find cheap car insurance is to compare quotes from three or more of the best insurance companies, it’s not the only way to lower your rates.

Here are some things to consider as you look for cheap car insurance:

• Reconsider coverage. If you drive an older, paid-off vehicle, you may not need as much car insurance. Comprehensive and collision insurance aren’t as crucial for older vehicles than they are for new vehicles, so you can consider dropping down to liability-only coverage.

• Raise your deductible. The higher your deductible, the lower your premiums. Just make sure you can afford to pay the out-of-pocket deductible if you ever file a claim.

• Look for discounts. Ask your insurance agent if they know of any discounts that can lower your rates. Insurers usually offer savings for safe driving, certain vehicle features, bundling policies, and more.

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

Liability-only car insurance covers the repair and medical bills of the other party after an accident you caused. But it only goes so far. Liability insurance won’t cover your own injuries or vehicle repairs in an at-fault accident. And if you carry only the minimum required amount, you may still be on the hook financially if the other driver’s damage and injury costs exceed your policy limits.

Because liability offers limited coverage, it’s usually cheaper than a full-coverage policy. COUNTRY Financial is the cheapest car insurance company in North Las Vegas, with average rates of $48 a month. The table below shows average monthly rates for top insurers serving North Las Vegas.

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

Full-coverage car insurance provides you the protection that liability coverage does, but it goes further and includes collision and comprehensive coverages, which pay for vehicle repairs, regardless of fault. Full coverage will generally always be more expensive because it covers your vehicle in more situations.

On average, North Las Vegas drivers pay $295 per month for full-coverage car insurance. The table below shows the cheapest full-coverage car insurance companies in North Las Vegas.

Car insurance requirements in Nevada

If you live in North Las Vegas, you need to have automobile liability coverage. It’s also worth noting that you have to have coverage at all times; there’s no grace period. If your insurance lapses for even just one day, the state could suspend your vehicle registration. The minimum penalty for this infraction is a $250 reinstatement fee.3

Here are the minimum car insurance requirements Nevada requires:

But these requirements are the least of what you need to do. Meeting the minimum requirements will keep you from getting in trouble with the law, but minimum coverage doesn’t protect you in every situation.

If you want to keep your car protected in more situations, you may want to also purchase additional coverages:

Cheapest car insurance for drivers with an incident

If you have an incident on your driving record, your insurance premiums will almost certainly increase. Incidents on your record include speeding tickets, at-fault accidents, DUI (driving under the influence) convictions, and other moving violations.

Incidents like these on your record signal to insurers that you’re more at risk for filing a claim and causing losses, so insurers raise rates to offset that risk. Here’s how different incidents can affect your car insurance premiums in North Las Vegas.

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

The average car insurance rate for drivers with a speeding ticket in North Las Vegas is $294 a month. Speed in North Las Vegas, and you may find yourself visiting the North Las Vegas Municipal Court.

If you get a speeding ticket in North Las Vegas, it’s a safe bet that your insurer will raise your rates. Here are the cheapest car insurance companies in the city for drivers with a speeding ticket.

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

If you cause an accident, your premiums will likely increase. The average cost of car insurance for drivers after an at-fault accident in North Las Vegas is $316 a month. You may not see your rates increase if you purchased accident forgiveness, but it depends on the severity of the accident.

Here are the cheapest auto insurers in North Las Vegas after an at-fault accident.

Cheapest car insurance for drivers with a DUI: COUNTRY Financial

Insurers consider a DUI as an extremely serious incident because it can lead to vehicle damages, injuries, and traffic fatalities. So, if you have a DUI on your record, your rates will almost certainly increase. In some cases, your insurer may stop working with you altogether.

The average cost of car insurance with a DUI on your record in North Las Vegas is $404 a month. The table below shows the cheapest car insurance for drivers in North Las Vegas with a DUI on their records.

Cheapest car insurance for seniors: COUNTRY Financial

Auto insurers calculate premiums by looking at many different variables, and age is a significant factor. If you’re age 75 or older, your premiums will generally be higher than those of middle-aged drivers because of age-related higher traffic-fatality risks and impairments.4 Seniors in North Las Vegas pay an average of $205 a month for car insurance, according to Insurify data.

The table below shows the cheapest insurance companies for senior drivers in the city.

Cheapest car insurance for teens: COUNTRY Financial

Insurers tend to charge more expensive premiums for young drivers because of their inexperience behind the wheel and higher risk of filing a claim. Teen drivers have options for getting lower insurance premiums, like staying on their parents’ policies, driving a safe car, and qualifying for student-centric discounts. On average, car insurance for teen drivers in North Las Vegas costs $436 per month.

If you’re a teenager, or you have a teenager driving in North Las Vegas, these are the cheapest auto insurers from which to start your search.

North Las Vegas car insurance quotes by credit tier

Most states, including Nevada, allow insurers to consider credit scores when pricing insurance policies.2 Auto insurers argue that a driver’s credit score is a sign of how likely they are to file a claim. Drivers who have excellent or good credit scores typically pay cheaper insurance premiums than people with poor credit scores.

The table below shows how North Las Vegas drivers’ credit scores can affect their insurance premiums.

Is car insurance more expensive in North Las Vegas?

Car insurance is more expensive in North Las Vegas than in many other parts of the country. The national car insurance average is $184 per month for full coverage, and liability-only costs $104. Meanwhile, North Las Vegas drivers pay an average of $206 for liability-only coverage and $295 for full coverage.

It’s always hard to pinpoint the exact reasons any city or town has high insurance rates. However, property crime in North Las Vegas has increased, which means insurers need to factor in the risk of theft or vandalism.5 North Las Vegas also neighbors Las Vegas, which has more than 600,000 residents — and with a lot of traffic, your odds of an accident increase.

More cities in Nevada

The table below shows how car insurance in North Las Vegas compares to other cities across the Silver State. On average, drivers pay $295 a month for full-coverage car insurance in North Las Vegas.

Here’s how the average cost of car insurance in North Las Vegas compares to other Nevada cities’ average rates.