Where to Get Cheap Car Insurance in Las Vegas
Best cheap Las Vegas car insurance
Cheapest full coverage car insurance in Las Vegas: Travelers
Travelers has the cheapest full coverage car insurance in Las Vegas at $2,588 a year, or $216 a month. This is 42% less than the average cost of full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. in Las Vegas of $4,464 a year, or $372 a month.
USAA has the cheapest overall rate. However, USAA is only available to the military community and their families.
Full coverage car insurance rates
| Company | Annual rate | LendingTree Score | |
|---|---|---|---|
 | Travelers | $2,588 |  |
 | State Farm | $3,120 | |
 | Progressive | $3,397 |  |
 | Geico | $4,616 |  |
 | Allstate | $4,934 |  |
 | American Family | $5,312 | |
 | AAA | $6,680 |  |
 | Farmers | $7,260 | |
 | USAA* | $2,267 | |
Each company’s rates vary by customer. Comparing car insurance quotes from a few companies helps you find the most affordable rate.
Best cheap auto liability insurance in Las Vegas: Travelers
At $108 a month, Travelers has the cheapest liability insurance for most Las Vegas drivers. Progressive has the next-cheapest liability insurance Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. at $126 a month.
Both companies offer discounts for things like bundling multiple policies and setting up automatic payments. Travelers’ discount for hybrid and electric vehicles is one that you can’t get from Progressive.
Cheap auto liability rates
| Company | Annual rate |
|---|---|
| Travelers | $1,295 |
| Progressive | $1,513 |
| State Farm | $1,620 |
| Geico | $1,815 |
| AAA | $2,735 |
| Allstate | $2,782 |
| American Family | $2,903 |
| Farmers | $3,545 |
| USAA* | $1,056 |
Best cheap auto insurance for Las Vegas teens: Travelers
Travelers has the cheapest car insurance for teens in Las Vegas. Its liability rates average $355 a month, which is 16% less than Progressive’s rate.
At $635 a month, Travelers also has the cheapest full coverage for young drivers. This is 20% less than State Farm’s rate of $796 a month.
Young driver car insurance rates
| Company | Annual rate liability | Annual rate full coverage |
|---|---|---|
| Travelers | $4,262 | $7,624 |
| Progressive | $5,080 | $11,047 |
| Geico | $5,507 | $11,251 |
| State Farm | $5,574 | $9,556 |
| American Family | $8,232 | $13,146 |
| AAA | $8,814 | $16,982 |
| Allstate | $12,741 | $20,651 |
| Farmers | $13,641 | $27,448 |
| USAA* | $3,002 | $5,817 |
Teens’ lack of driving experience makes them more likely to get into accidents than older drivers. This is the main reason why they have such high auto insurance rates.
Young drivers usually get cheaper rates on a parent’s policy than they do on their own. Several companies give teens a discount for getting good grades. Travelers and State Farm also give teens a discount for completing a driver training program.
Cheap Las Vegas car insurance after a ticket: Travelers
Most Las Vegas drivers with a speeding ticket on their records get the cheapest car insurance from Travelers. The company’s rates average $270 a month after a ticket.
At $284 a month, State Farm charges 5% more than Travelers after a ticket. However, State Farm has a better overall satisfaction rating from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. . This means it tends to have happier customers than Travelers.
Best car insurance rates after ticket
| Company | Annual rate |
|---|---|
| Travelers | $3,244 |
| State Farm | $3,409 |
| Progressive | $4,520 |
| Allstate | $5,528 |
| Geico | $5,595 |
| American Family | $6,968 |
| AAA | $8,854 |
| Farmers | $9,058 |
| USAA* | $2,662 |
Cheapest Las Vegas car insurance after an accident: State Farm
At $260 a month, State Farm has the cheapest car insurance for most Las Vegas drivers with an at-fault accident on their records. This is 13% less than the next-cheapest rate of $300 a month from Travelers.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $3,120 |
| Travelers | $3,598 |
| Progressive | $5,124 |
| Allstate | $7,000 |
| Geico | $7,454 |
| American Family | $9,427 |
| Farmers | $11,024 |
| AAA | $12,000 |
| USAA* | $3,090 |
Car insurance with a ticket or accident
A speeding ticket bumps up the average cost of Las Vegas auto insurance by 24%, while an at-fault accident makes rates go up by 54%. However, the size of the rate increase varies by company. You can often find cheaper car insurance with a bad driving record by shopping around.
Best car insurance rates for teens with bad driving records
Travelers, Progressive and State Farm have the cheapest car insurance for most Las Vegas teens with a ticket or accident.
Travelers has the cheapest liability for young drivers with a ticket at $455 a month. This is only 3% less than Progressive’s rate of $471 a month.
At $464 a month, State Farm has the cheapest liability insurance for teens with an at-fault accident on their records. This is 12% less than Travelers’ rate of $492 a month.
Rates for bad teen drivers
| Company | Ticket annual rate | Accident annual rate |
|---|---|---|
| Travelers | $5,465 | $6,248 |
| Progressive | $5,649 | $5,903 |
| Geico | $6,115 | $8,224 |
| State Farm | $6,193 | $5,574 |
| American Family | $10,058 | $14,117 |
| AAA | $12,060 | $17,104 |
| Allstate | $14,711 | $16,057 |
| Farmers | $15,595 | $18,588 |
| USAA* | $3,249 | $3,455 |
Best Las Vegas auto insurance rates after a DUI: Travelers
At $322 a month, Travelers has Las Vegas’s cheapest car insurance after a DUI (driving under the influence) conviction. Progressive has the next-best DUI insurance for most drivers at $466 a month.
A DUI raises the average price of car insurance in Las Vegas to $628 a month, or $7,537 a year. Travelers, Progressive, Allstate and USAA all charge less than this average.
Car insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $3,860 |
| Progressive | $5,593 |
| Allstate | $6,825 |
| State Farm | $8,143 |
| Geico | $8,931 |
| American Family | $9,070 |
| AAA | $9,495 |
| Farmers | $11,204 |
| USAA* | $4,708 |
Cheap Las Vegas car insurance for bad credit: Travelers
Travelers has Las Vegas’s cheapest bad credit car insurance, at $359 a month. This is 22% less than Progressive’s rate of $458 a month.
Insurance companies check your credit for things like your payment history and borrowing amounts. Avoiding late payments and paying down debts can help make your future rates more affordable.
Auto insurance rates with bad credit
| Company | Annual rate |
|---|---|
| Travelers | $4,308 |
| Progressive | $5,498 |
| Geico | $7,171 |
| American Family | $8,496 |
| Allstate | $9,035 |
| AAA | $9,903 |
| Farmers | $11,581 |
| State Farm | $14,121 |
| USAA* | $4,796 |
Best Las Vegas car insurance companies
Travelers, State Farm and USAA stand out as the best car insurance companies in Las Vegas.
Travelers’ low rates and flexible coverage options make it the best choice for most drivers. Along with the cheapest prices, it offers accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. and gap insurance Gap insurance covers the difference between your car’s value and your loan balance, if you total the vehicle. . Neither is required by law, but both can be handy for certain situations.
State Farm has a better satisfaction rating than Travelers, Progressive and Geico. A good satisfaction score means customers like the prices, coverage and service they get from State Farm.
USAA has the best car insurance for current and former service members and their families. USAA has cheaper rates than most other insurance companies. It also has a better satisfaction score than every other car insurance company. This shows that it doesn’t sacrifice service to keep its prices affordable
Car insurance company ratings
| Company | J.D. Power Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher scores are better. | AM Best | LendingTree Score |
|---|---|---|---|
| AAA | 658 | A | |
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | 4 |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
Las Vegas car insurance rates by neighborhood
At $308 a month, the Providence community’s 89166 ZIP has the Las Vegas area’s cheapest car insurance. Mount Charleston’s 89124 ZIP has the next-cheapest average rate at $311 a month.
Bonanza Village’s 89106 ZIP has the area’s most expensive car insurance, at $422 a month. Drivers in the downtown Arts District’s 89101 ZIP pay only slightly less at $412 a month.
Car insurance rates by ZIP code
| ZIP code | Annual rate | Difference from city average |
|---|---|---|
| 89101 | $4,943 | 11% |
| 89102 | $4,890 | 10% |
| 89103 | $4,790 | 7% |
| 89104 | $4,916 | 10% |
| 89106 | $5,062 | 13% |
| 89107 | $4,834 | 8% |
| 89108 | $4,664 | 4% |
| 89109 | $4,787 | 7% |
| 89110 | $4,898 | 10% |
| 89113 | $4,386 | -2% |
| 89115 | $4,620 | 3% |
| 89117 | $4,534 | 2% |
| 89118 | $4,463 | 0% |
| 89119 | $4,654 | 4% |
| 89120 | $4,574 | 2% |
| 89121 | $4,661 | 4% |
| 89122 | $4,434 | -1% |
| 89123 | $4,163 | -7% |
| 89124 | $3,730 | -16% |
| 89128 | $4,314 | -3% |
| 89129 | $4,132 | -7% |
| 89130 | $4,244 | -5% |
| 89131 | $4,043 | -9% |
| 89134 | $4,053 | -9% |
| 89135 | $4,082 | -9% |
| 89138 | $3,957 | -11% |
| 89139 | $4,372 | -2% |
| 89141 | $4,240 | -5% |
| 89142 | $4,643 | 4% |
| 89143 | $3,883 | -13% |
| 89144 | $4,082 | -9% |
| 89145 | $4,474 | 0% |
| 89146 | $4,825 | 8% |
| 89147 | $4,535 | 2% |
| 89148 | $4,311 | -3% |
| 89149 | $3,916 | -12% |
| 89156 | $4,677 | 5% |
| 89158 | $4,745 | 6% |
| 89161 | $4,221 | -5% |
| 89165 | $4,236 | -5% |
| 89166 | $3,702 | -17% |
| 89169 | $4,800 | 8% |
| 89178 | $4,312 | -3% |
| 89179 | $4,186 | -6% |
| 89183 | $4,165 | -7% |
| 89199 | $4,231 | -5% |
Car insurance requirements in Las Vegas
You have to meet Nevada’s minimum car insurance requirements to drive legally in Las Vegas. The required coverages and limits are:
- Bodily injury liability Bodily injury liability helps cover the medical bills of anyone you injure in a car accident. : $25,000 per injured person, $50,000 per accident
- Property damage liability Property damage liability covers damage you cause to property like fences, toll booths and light posts. : $20,000
If you have a car loan, your lender will make you add collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. to your policy. Both coverages are also usually worth having for any car worth more than a few thousand dollars.