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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Each year, Las Vegas attracts millions of visitors who come to enjoy the city’s famous casinos, entertainment, and nightlife. While tourists gamble at iconic venues like Caesars Palace, the city’s more than 640,000 full-time residents are going “all in” on something else: car insurance payments.
On average, Las Vegas residents pay $274 per month for car insurance, according to our research. Fortunately, Las Vegas residents can find some cheap insurance options if they shop around, including from companies like COUNTRY Financial, State Farm, and GEICO.
Read on to learn how you can find the right policy that fits your budget.
COUNTRY Financial offers the city’s cheapest car insurance rates, at $38 per month.
Nevada law requires all Las Vegas drivers to purchase liability insurance to legally drive in the state.
Las Vegas’ traffic density and high rate of nighttime driving increase average rates.
We already covered that average rates in Las Vegas are $274 per month, but you might be wondering how those rates compare to the rest of Nevada or even the national average for all drivers.
The table below breaks down average rates for popular policy types in Las Vegas, Nevada, and the rest of the U.S., according to Compare.com data.
Location ▲▼ | Average Monthly Premium: Liability Insurance ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Las Vegas | $217 | $332 | $274 |
| Nevada | $181 | $290 | $235 |
| National average | $107 | $197 | $152 |
If you want a bare-bones state-minimum policy, you’re looking at an average rate of $217 per month in Las Vegas. But if you’re in the market for a more robust full-coverage plan, that monthly average jumps to $332, according to our research.
But both of those figures are well above the national average — for a variety of reasons.
“Rates are higher given that Las Vegas has substantially greater traffic density than any other parts of Nevada, as well as many out-of-state drivers who are not familiar with the roads, a 24/7 economy and lifestyle, and greater prevalence of nighttime driving,” says Gennady Stolyarov, property and casualty insurance lead actuary at the Nevada Division of Insurance. Rates can also vary by ZIP code based on local property values and local repair costs.
Compare personalized quotes from Las Vegas' top insurers.
Las Vegas drivers pay an average of $274 per month on car insurance. But just because average rates exceed the national average doesn’t mean you can’t find affordable options.
Below are the cheapest car insurance companies in Las Vegas and their average monthly car insurance premiums, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| COUNTRY Financial | $38 |
| State Farm | $56 |
| GEICO | $66 |
| USAA | $78 |
| Allstate | $100 |
| Farmers | $156 |
| Nationwide | $162 |
| Mercury | $166 |
| Safeco | $166 |
| Direct Auto | $170 |
| Sun Coast | $170 |
| Root | $179 |
| Travelers | $187 |
| American Family | $191 |
| Dairyland | $220 |
| Progressive | $224 |
| Liberty Mutual | $255 |
| Bristol West | $297 |
COUNTRY Financial offers the lowest rates, at $38 per month on average. But while COUNTRY Financial offers competitive rates, it won’t be the cheapest for everyone — plenty of factors affect your car insurance quotes.
Let’s explore how demographic factors like age, marital status, location, and more affect which car insurance company you should choose.
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There’s no single best company for everyone. Certain companies might work for one driver’s specific needs and budget better than others.
Below, we’ll highlight the best auto insurance companies for different demographics of drivers.
Affordable rates for Las Vegas drivers
Highly rated local agents
Strong financial standing
Must manage policy through an agent
Somewhat limited coverage options
Relatively high number of customer complaints
State Farm is a great option if you’re looking for solid coverage at a great price. After all, the company offers some of the city’s lowest average rates, according to Compare.com data. It also boasts a robust repair network and some of the highest customer satisfaction scores in the industry.
That said, you have to work with a local agent to manage your State Farm policy — most insurers give you the option to do so online. And the company doesn’t offer quite as many coverage options as some of its direct competitors.
Affordable rates for young drivers
Several youth-specific discounts
Highly rated mobile app
Spotty customer service scores
No local agent network
Potentially frustrating claims process
Teen drivers pay more than any age group for auto insurance, but GEICO offers plenty of opportunities for young drivers to save. On top of relatively cheap average rates for teens, the company offers several discount programs tailored to new drivers, including a good student discount, a defensive driver discount, and savings for keeping your car at home when you go to college (as long as your school is at least 100 miles from home).
But keep in mind that these great rates and multiple savings opportunities come at a cost. GEICO typically doesn’t rank atop customer satisfaction scores, nor does it have local agents that can help you understand and manage your policy.
Cheaper-than-average rates for full coverage
AM Best financial strength rating of A+ (Superior)
Offers telematics-based Drivewise program
Potentially slow claims processing
Below-average J.D. Power customer satisfaction rating
More NAIC complaints than average
America’s fourth-largest auto insurer by market share, Allstate serves drivers in all 50 states. The company offers all standard car insurance products, as well as optional coverages like rideshare insurance or classic car insurance.
Additionally, you can save more by enrolling in Drivewise, Allstate’s telematics program that rewards safe driving.
Compare personalized quotes from Las Vegas' cheapest companies.
The coverage levels you choose can affect your auto insurance rates. Liability coverage at the state-minimum limits is the cheapest policy available to drivers. Liability insurance only covers medical expenses but won’t cover repairs to your own vehicle after an accident.
The companies in the chart below offer the cheapest liability-only car insurance in Las Vegas.
These companies offer great rates for bare-bones coverage, but, for most drivers, it’s worth considering purchasing additional protection.
“Choosing your coverage level depends on your personal situation,” says Stolyarov. “For many older vehicles, which would only cost several thousand dollars to replace altogether, it would make much more sense to save up the funds to replace the vehicle in the event of a significant accident rather than potentially pay more in full-coverage premiums.”
Now, let’s consider your options if you do opt for a more robust full-coverage insurance policy.
Full coverage is a more robust policy type that includes collision and comprehensive insurance, which covers damage to your own vehicle. On average, full coverage is more expensive than liability-only insurance.
“For newer vehicles with high repair and replacement costs, purchasing full coverage makes significantly more financial sense,” says Stolyarov. “Also, if you have a loan on your vehicle, your lender will often require collision coverage and comprehensive coverage.”
Here are the cheapest full-coverage policies in Las Vegas and their average monthly premiums.
These average rates paint a relatively good picture of what you can expect to pay for full coverage in Las Vegas, but several other factors affect your personal rates. With that in mind, let’s take a look at how things like your age and driving record affect average rates across the city.
Age is one of the most important factors in determining car insurance rates. Young drivers generally pay the most, but rates go down as you age.
The table below highlights the most affordable car insurance option for each age group and the corresponding average rate.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $504 | COUNTRY Financial | $58 |
| 40s | $260 | COUNTRY Financial | $36 |
| Seniors | $207 | COUNTRY Financial | $30 |
Let’s break down the cheapest insurers in Las Vegas for two age groups at the extremes of affordability: teens and seniors.
Teen drivers pay by far the most for car insurance in Las Vegas. Recent data from the CDC shows teens have a fatal crash rate three times higher than that of drivers 20 years old and up. Auto insurance companies manage these risks by charging teens higher monthly premiums.
Teens can save by staying on their parents’ policy, choosing a safe car, and qualifying for good student discounts.
COUNTRY Financial is the cheapest car insurance company for teens in Las Vegas, with an average rate of $58 per month.
Drivers older than 60 pay some of the cheapest rates in Las Vegas. Less commuting and fewer long road trips mean senior drivers spend less time on the roads — making them less of a risk for accidents.
COUNTRY Financial is the cheapest auto insurance company for seniors in Las Vegas, with average rates at just $30 per month for people 60 an older.
Car insurance companies look at your driving record when determining your rates. Drivers with traffic violations and at-fault accidents face higher rates because they’re considered more likely to file claims in the future.
Here are the cheapest car insurance companies in Las Vegas for drivers with a clean record, a speeding ticket, or an at-fault accident.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $274 | COUNTRY Financial | $38 |
| Speeding ticket | $370 | COUNTRY Financial | $50 |
| At-fault accident | $400 | COUNTRY Financial | $54 |
| DUI | $454 | COUNTRY Financial | $63 |
Let’s explore the cheapest car coverage options for drivers with a ticket, an at-fault accident, or a DUI.
Receiving a ticket will raise your rates by an average of 29%, according to Compare.com data. And, in Nevada, a speeding ticket will come with fines of up to $1,000.
But getting a speeding ticket doesn’t mean you’re destined for high auto rates. Customers who choose COUNTRY Financial after a speeding ticket pay just $50 per month on average — which is below Las Vegas’ average car insurance rate.
One at-fault accident can raise your rates by 31%, according to Compare.com data. Of course, this rate hike can vary based on the severity of the crash and the amount of the resulting claim.
COUNTRY Financialis the cheapest option for Las Vegas drivers with a recent accident. Its average rates are just $54 per month for these drivers.
Nothing raises your rates more than a DUI conviction. In fact, our research shows that average rates increase by a whopping 61% if you have a DUI.
That said, you can soften the blow by choosing a company better equipped to serve high-risk drivers, such as people with a DUI.
Our research found that COUNTRY Financial offers the best rates in Las Vegas for people with a DUI, with average rates of just $63 per month.
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Like all states, Nevada requires drivers to have proof of insurance when they’re behind the wheel. Drivers who fail to show proof of insurance pay fines of up to $1,750 depending on the length of the coverage lapse and whether or not it’s a first offense.
Nevada drivers must buy liability insurance that meets the following minimum coverages:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$20,000 in property damage liability per accident
For more information on Nevada’s car insurance requirements, visit the Nevada DMV site.
The following are answers to common questions about car insurance in Las Vegas.
COUNTRY Financial is the cheapest car insurance company in Las Vegas, with an average rate of $38 per month.
Drivers pay an average of $274 per month for car insurance in Las Vegas, according to Compare.com data.
Traffic density and a high rate of nighttime driving affect Las Vegas auto insurance rates.
“Unfortunately, automobile thefts and insurance fraud have been more common in the Las Vegas area than in the rest of Nevada, which contribute to the city’s higher rates,” says Gennady Stolyarov, property and casualty insurance lead actuary at Nevada Division of Insurance.
Drivers must have $25,000 in body injury liability insurance per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability per accident.
Las Vegas drivers caught without auto insurance must pay a fine of up to $1,250 (after a first offense), depending on the length of the lapse in coverage. Drivers also must have SR-22 insurance. Subsequent offenses lead to higher fines and a minimum 30-day license suspension.
Nevada DMV, “Insurance,” accessed January 23, 2025.
J.D. Power “2024 U.S. Auto Insurance Study,” accessed January 23, 2025.
National Association of Insurance Commissioners, “2020/2021 Auto Insurance Database Report,” accessed January 23, 2025.
National Association of Insurance Commissioners, “Market Share Report,” accessed January 23, 2025.
Insurance Information Institute, “What determines the price of my auto insurance rates?”, accessed January 23, 2025.
Insurance Information Institute, “Do auto insurance premiums go up after a claim?”, accessed January 23, 2025.
National Highway Traffic Safety Administration, “Older Drivers,” accessed January 23, 2025.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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