Car Insurance Las Vegas

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Las Vegas, the entertainment capital of the U.S., is open 24/7 for good food, exciting shows, and a few wagers if you’re feeling lucky. That being said, there are a lot of people out on the roads, creating potential traffic problems and accidents, so finding the best Las Vegas car insurance is important if you’re a resident. Whether you’re a resident or a tourist, you should know what the traffic laws are there and what’s required in terms of auto insurance, so we’ve compiled some important information for you to help keep you safe.

At-a-Glance: Auto Insurance in Las Vegas, Nevada

  • Average number of vehicles per household: 1
  • Average cost of insurance for drivers with clean driving records
    • $1,570 for men 
    • $1,680 for women
  • Minimum motor vehicle liability insurance cover requirements:
    • $25,000 in bodily injury per person
    • $50,000 in bodily injury per accident
    • $20,000 in property damage (25/50/20)

Other types of insurance you can buy in Las Vegas include:

  • Collision: Covers the cost of collision damage regardless of who’s at fault.
  • Comprehensive: Covers the cost of theft or damage for reasons other than collisions such as theft, vandalism, or a natural disaster.

Compare Car Insurance Quotes in Las Vegas

Compare Quotes securely through Allstate’s website
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Allstate is one of the largest insurance companies in the country, and it’s been around for 90 years. That means it’s secure and able to pay your car insurance claims. That doesn’t mean it’s stodgy, though. It has introduced innovations like Drivewise, which allows you to save on your insurance based on your driving habits, and Milewise, which is pay-per-mile insurance. 

You can purchase insurance online or through an Allstate agent. Allstate offers several options for discounts that can bring down your policy costs significantly. It also offers several types of insurance so you can have all or most of your policies with 1 insurer. 

Overall, Allstate is a good choice and worth comparing with other insurers to see if it’s right for you. It’s available in all 50 states and has an A+ rating from AM Best. 

Best For
  • Personalized service
  • Pay-per-mile insurance from an established company
  • Buying multiple types of insurance
Pros
  • Extensive agent network
  • Easy sign-up process
  • Many customer service options
Cons
  • Drivewise and Milewise aren’t available in all states
Get a Quote securely through The AARP Auto Insurance Program from The Hartford’s website
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The AARP Auto Insurance Program from The Hartford is designed exclusively for AARP members who are at least 50 years old. Some of the unique features of the program can help you save money on your policy over time, especially if you have and maintain a clean driving record.

Other stand-out features include new car replacement (rather than the depreciated value), reimbursements for expenses incurred if you get injured in an accident and lifetime repairs guarantees. 

The AARP Auto Insurance from The Hartford is rated #1 by J.D. Power and Associates for customer satisfaction in handling auto insurance claims.

Best For
  • Safe drivers who are looking to save money
  • AARP members at least 50 years old
Pros
  • Offers unique coverages and benefits that can be added to a standard auto insurance policy
  • Allows drivers to save for safe driving
  • Rated #1 by J.D. Power for customer satisfaction in auto claims handling
Cons
  • Only available for AARP members
  • Must be at least 50 years old to qualify
SR-22 Insurance
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Progressive auto insurance is among the first of the larger insurers to actively embrace usage-based insurance via electronic monitoring of driving habits. Often a refuge for younger drivers and drivers who have been refused insurance elsewhere, progressive markets and supports its insurance products through its website and a network of independent agents.

Best For
  • Young and less-experienced drivers
  • Drivers with consistently good driving habits
  • Rates for good drivers
  • RV drivers
Pros
  • More welcoming to less-experienced drivers
  • Great website and mobile app functionality
  • Driving based discounts can be generous
Cons
  • Relatively smaller agent network may leave some without a local agent
  • Rates can increase at renewal based on driving data from Progressive’s Snapshot.
compare quotes securely through AAA’s website
Best For
Roadside assistance
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The American Automobile Association (AAA) is a federation of auto clubs, and it offers a wide range of insurance options, including car insurance. It is the most trusted and familiar name in auto-related services. The company has come a long way since its founding, but the mission remains the same. 

Safe and efficient transportation is exactly what AAA commits to per the company’s core statement. AAA is probably best known for its roadside assistance, but the company offers a variety of insurance coverage and memberships as well. AAA strives to make your life easier with its insurance coverage for you and your family. Your safety and security is AAA’s priority.

 

Best For
  • AAA Members
  • Roadside Assistance
  • Extra insurance perks
  • Anyone looking for unique insurance carriers
Pros
  • Serves all states
  • Mobile app
  • Emergency roadside assistance
Cons
  • Have to be an AAA member
  • Policies not available in every area

Nevada Auto Insurance Laws

The State of Nevada requires drivers to carry at least the minimum motor vehicle liability insurance. Here’s a breakdown of what’s required.

Drivers must carry a minimum of 25/50/20 in insurance coverage, which breaks down to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage. Other insurance tips worth noting include:

  • If you move to Nevada, out-of-state insurance will not be accepted. You must switch your carrier to a Nevada policy.
  • Evidence of insurance can be presented in card form or electronic form displayed on a mobile device.
  • If you drop the liability insurance on any vehicle for any reason, you must cancel the registration and surrender the license plate.

If you’re caught driving in Nevada without insurance, you could face fines ranging from $250 to $1,000 as well as license reinstatement fees from $250 to $750. If you’re stopped three or more times with no insurance, you’ll be labeled a habitual offender and could lose your license for a substantial period of time depending on what the court decides.

Auto Insurance Rates by Vehicle

The type of vehicle you drive may impact auto insurance in Last Vegas. Insurance companies collect data on which makes and models of vehicles are involved in accidents and thefts and use this information when setting insurance rates.

You might think fancy sports cars are the most stolen, but in fact, they are not. According to the National Insurance Crime Bureau, the top three most stolen cars in the US include Honda Accords, Honda Civics and Ford Pickup trucks.

If you’re looking into how to lower your car insurance, it pays to do some research before you purchase a car to make sure it’s not a target for car thieves.

Auto Insurance Rates by Insurance Credit Score

Your insurance credit score plays a key role in how much you’ll pay for insurance. Drivers with higher credit scores will pay lower insurance rates. California, Massachusetts, and Hawaii are the only states that do not use insurance credit score as a factor in setting insurance rates, however, many states are considering passing legislation to follow suit.

The takeaway? If you raise your insurance credit score, you’ll pay less in car insurance. Check out these comparisons below.

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300-579Nationwide$4,107
Fair 580-669USAA$2,648
Good 670-739USAA$2,167
Excellent 740+Country Preferred Insurance Company$1,644

Insurance for Drivers With a Clean Record

In addition to the make and model of the car you drive, as well as your credit score, your driving record plays a major factor when insurance companies determine your rates. If you have an exceptional driving record with no tickets or accidents, you will be rewarded with the best possible insurance rates and discounts, so being a good driver pays off.

Here are some sample insurance rates for good drivers in Las Vegas:

Insurance AgencyState Minimum InsuranceStandard CoverageFull Coverage
USAA$1,721$2,037$2,449
Progressive$1,519$1,905$2,764
Nationwide$1,399$1,475$1,758
GEICO$2,255$2,571$3,161
Allstate$2,661 $3,458$3,996

Insurance Rates with Driving Infractions

If you’re a driver with a less than perfect driving record, expect to pay more for car insurance. Driving infractions such as speeding violations, drunk driving arrests, as well as traffic accidents are all considered by insurance agencies when they determine your rates.

Non-moving violations such as parking tickets or citations for broken tail lights won’t likely impact your rates. Here are a few insurance rate comparisons for drivers with infractions: 

Insurance Agency At Fault Accident Speed Violation DUI
USAA$2,949$2,644$4,343
Nationwide$3,588$3,050$4,479
GEICO$4,084$3,106$4,933
Travelers$5,716$4,614$7,277
State Farm$6,327$5,796$5,796

Best Auto Insurance Providers Las Vegas, NV

Cost is not the only factor when considering auto insurance rates, however, it is important to most people. Another consideration is customer service. An insurance company that provides excellent customer service will be ranked high in customer satisfaction surveys.

When people are involved in auto accidents or have their car stolen, they want to know their insurance company will respond immediately and handle the claim effectively. We considered cost, customer satisfaction, and other factors in determining our list of best insurance companies:  

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Extensive agent network
  • Easy sign-up process
  • Many customer service options
Cons
  • Drivewise and Milewise aren’t available in all states

1. Best Overall:  Allstate

According to the J.D. Power 2018 Auto Insurance Study, Allstate received the highest customer ratings in the Las Vegas, Nevada area, so it’s our number one pick.

Allstate offers an accident forgiveness program that protects drivers from having their rates increased following an accident, as well as a bonus check for safe drivers.

Allstate was also chosen for Benzinga’s picks for one of the best high-risk auto insurance companies and the best sports car insurance companies.

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Offers rv and personal watercraft insurance
  • Usage-based car insurance
Cons
  • No mobile app

2. Cheapest Auto Insurance in Las Vegas: Nationwide

Is the best option if you want cheap car insurance in Las Vegas, Nevada, we recommend Nationwide. They’re cheaper for people with good driving records.

They also offer reasonable rates if you have less than perfect credit or your driving record isn’t spotless.

Like Allstate, Nationwide offers an accident forgiveness program, as well as discounted rates for safe drivers and good students. 

Based on our research and findings, Nationwide is the best choice if your driving record isn’t great. You’ll pay between $500-$2,000 less than other competitors. 

Drivers with infractions can have peace of mind that they are covered by one of the largest auto insurance companies in the U.S in case of an accident.

While you will pay a higher premium for a few years, Nationwide will monitor your driving record and update your premium when you are eligible for a lower rate.

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

3. Best for Military Personnel: USAA

USAA is offered exclusively to military members and their families, and their rates are very reasonable.

If you fall into this category, USAA is your best bet.

USAA also offers special discounts on home and life insurance, banking services, and credit cards. USAA has a strong financial backing and is consistently regarded for the service it provides its members.

SR-22 Insurance
No
Online Purchase
Yes
Pros
  • Many coverage types available
  • Comprehensive mobile app
  • Free roadside assistance included with every policy
  • User-based insurance model means safe and infrequent drivers save more.
Cons
  • Opaque customer service hours
  • No clearly defined discounts
  • Must complete a “test drive,” which lasts up to a month before you get a quote
  • No policies available for “high-risk” drivers
  • Not available in all states

4. Best for Safe Drivers: Root

Root is a unique new car insurance provider that offers policies based on your driving habits. You’ll install an app on your phone that monitors your speed, how often you make sudden turns and stops and mileage.

Then, the app creates a custom quote for you based on how well you drive.

Root doesn’t offer policies to everyone — the company avoids reckless drivers and those who have a long history of driving infractions so the company can keep premiums low. You may be able to save more when you switch to Root.

Drive Safe in Las Vegas 

It’s easy to get distracted in Las Vegas amidst all the hustle and bustle. By focusing on staying safe, you’ll keep your driving record clean and won’t have to worry about paying sky-high insurance rates. 

Want to learn more about finding affordable insurance? Check out Benzinga’s guides to finding the best cheap health insurance, the best travel trailer insurance and the best home appliance insurance.