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Best cheap car insurance in Las Vegas for 2024

Updated May 03, 2024
Geico, Progressive and American Family are three of the best cheap auto insurers in Las Vegas, Nevada.
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The best car insurance companies in Las Vegas

Finding the best car insurance company in Las Vegas can be complicated due to the city's high average coverage costs. To help, Bankrate’s insurance editorial team reviewed the best Nevada auto insurers to see which companies offer the lowest premiums along with the best customer service, coverage options, discounts and third-party rankings. To distill all those factors into a single snapshot of how well each insurer meets the needs of Las Vegas drivers, we assigned a Bankrate Score on a five-point scale to every company.

Best for digital tools

Bankrate Score

Rating: 4.4 stars out of 5
4.4

Avg. min coverage premium

$407

Min. coverage

Avg. full coverage premium

$1,557

Full coverage

Why Geico made our list: Geico tied for a 2024 Bankrate Award for Best Budget Auto Insurance Company, and it’s one of the cheapest car insurance carriers in Las Vegas based on average rate data. But Geico also tied for Best Auto Insurance Company Overall and received a 2024 Bankrate Score of 4.4 for auto insurance in recognition of its low rates, coverage options for high-risk drivers and robust discount list. If you’re looking for the best car insurance in Las Vegas on a tight budget, you may want to get a quote from Geico.

Why Geico may be best for digital policy management: Although Geico maintains a handful of local agents in Las Vegas, most of its business is focused on digital platforms, including its top-rated mobile app, which offers tools from digital insurance cards and claims filing to photo estimates and a gas station locator. In J.D. Power’s 2023 U.S. Digital Experience Study, Geico ranked second in the service category, suggesting that it may be the ideal fit for drivers who prefer to manage their insurance on their phone.

Scores and Ratings
Bankrate Score 4.4
J.D. Power 804/1,000
AM Best score A++
States covered Best for digital policy management
Read full review
Plus Collapse
Best for discounts

Bankrate Score

Rating: 4.4 stars out of 5
4.4

Avg. min coverage premium

$708

Min. coverage

Avg. full coverage premium

$2,441

Full coverage

Why Progressive made our list: Progressive has below-average rates on both full and minimum coverage in Las Vegas, and its 4.4. Bankrate Score makes it a strong pick for many drivers. Like Geico, Progressive offers excellent digital tools that may appeal to younger drivers or anyone who finds online policy management more convenient. Progressive also tends to price insurance more generously for drivers with accidents and violations on their driving record, which won it a 2024 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers.

Why Progressive may be best for discounts: Progressive offers a long list of discounts, encompassing everything from standard multi-car and multi-policy discounts to continuous insurance discounts, a teen driver discount and a homeowner discount, available even to those who don’t insure their home through Progressive. These discounts, along with Progressive’s Snapshot telematics program, could help to lower the carrier’s already-low premiums even further.

Scores and Ratings
Bankrate Score 4.4
J.D. Power 809/1,000
AM Best score A+
Read full review
Plus Collapse
Best for military-focused coverage

Bankrate Score

Rating: 4.2 stars out of 5
4.2

Avg. min coverage premium

$778

Min. coverage

Avg. full coverage premium

$2,502

Full coverage

Why USAA made our list: Active and retired military members as well as their spouses and children are eligible for auto insurance coverage through USAA — and the premiums provided by this military-focused carrier are typically below the citywide average. In addition to its cheap car insurance rates, USAA received a higher customer satisfaction score than any other carrier in the Southwest region on the 2023 J.D. Power U.S. Auto Insurance Study.

Why USAA may be best for military-focused coverage: USAA may not be the cheapest auto insurer for every military member or military family, but its average rates are below the Las Vegas average, and its services are focused on the needs of military drivers. USAA offers discounts for vehicles garaged on a military installation as well as affordable coverage options during deployment.

Scores and Ratings
Bankrate Score 4.2
J.D. Power 879/1,000
AM Best score A++
Read full review
Plus Collapse
Best for local agents

Bankrate Score

Rating: 4.2 stars out of 5
4.2

Avg. min coverage premium

$1,174

Min. coverage

Avg. full coverage premium

$2,924

Full coverage

Why American Family made our list: Drivers seeking a blend of low rates and strong customer service might find their best offer with American Family. American Family ranked second in the Southwest region for customer satisfaction according to the 2023 J.D. Power U.S. Auto Insurance Study. The company’s average rates for full coverage insurance are below the Las Vegas average, although minimum coverage costs are slightly higher.

Why American Family may be best for working with a local agent: While its digital tools fall behind the competition where customer service is concerned, American Family has a strong network of local agents in the Las Vegas area, making an ideal potential choice for those who prefer to do insurance business in person rather than through an app.

Scores and Ratings
Bankrate Score 4.2
J.D. Power 828
AM Best score A
Read full review
Plus Collapse
Best for bundles policies

Bankrate Score

Rating: 3.8 stars out of 5
3.8

Avg. min coverage premium

$986

Min. coverage

Avg. full coverage premium

$3,126

Full coverage

Why Mercury made our list: Less-common coverage options, local agents and affordable average prices put Mercury Insurance on the map for drivers in Las Vegas. Mercury offers competitive average rates for both full and minimum coverage and works with a network of local agents in addition to digital tools, which get mixed reviews in J.D. Power’s digital insurance study. Ride-hailing coverage is available for policyholders who drive for Uber or Lyft to supplement their personal auto coverage and the insurance provided by their company, and drivers can purchase mechanical protection to help offset repair costs for key vehicle components.

Why Mercury may be best for bundled policies: In addition to its strong Bankrate Score for auto insurance, Mercury also received a 4.3 Bankrate Score for home insurance and offers discounts to drivers who bundle these products. If you own your home in Las Vegas, it may be worth getting quotes from Mercury for a bundled policy.

Scores and Ratings
Bankrate Score 3.8
AM Best score A
Read full review
Plus Collapse
Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

The carriers recommended in this article were picked by Bankrate’s insurance editorial team, which includes licensed insurance agents with combined decades of industry experience. To ensure that our picks reflect the latest data, we studied the most recent premium data available from Quadrant Information Services along with 2024 analyses of third-party ratings, coverage availability, and other factors that impact Bankrate Scores.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The cheapest car insurance companies in Las Vegas

According to Bankrate’s research, Geico, Country Financial and Progressive are the cheapest Nevada auto insurers for most drivers in Las Vegas seeking state minimum coverage. Keep in mind, however, that these are average rates, and a different insurance company could offer you a cheaper rate based on your risk profile. Comparing personalized quotes is the only way to determine which provider is the cheapest car insurance company for you.

Insurance company Average annual min coverage premium Average annual full coverage premium
$407
$1,557
$708
$2,441
$778
$2,502
$1,174
$2,924
$986
$3,126

How much is car insurance in Las Vegas, Nevada?

The average cost of car insurance in Las Vegas, Nevada is $3,641 per year for full coverage or $1,209 per year for state minimum coverage. For drivers with full coverage, that’s 19 percent more than the Nevada state average and $58 percent more than the national average.

But average rates for middle-aged drivers with clean records — like those shown above — only tell part of the story. Age and driving experience play a major role in shaping car insurance costs in Las Vegas.

Las Vegas rates for teens

Teen drivers cost considerably more to insure than adults due to their lack of experience on the road. Because inexperienced teen drivers have much higher rates of accidents and violations, insurers price a policy higher if a teen is included — and for teens 18 and older with standalone policies, rates can be even higher. On average, a married couple with an 18-year-old on their policy in Las Vegas pay $7,135 per year for full coverage; on a standalone policy, that 18-year-old driver would pay an average of $9,646 per year.

Coverage type
Insurance company 16-year-old* 18-year-old*
$1,063
$931
$1,661
$1,310
$2,249
$1,466
$2,696
$2,165
$2,854
$2,419
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Insurance company 16-year-old* 18-year-old*
$3,496
$3,101
$5,734
$4,806
$6,398
$4,269
$6,865
$5,898
$7,039
$5,902
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Las Vegas rates for young drivers

In early adulthood, standalone policies tend to become more affordable just as many drivers move away from home permanently. Insurers also typically charge less as a driver approaches age 25 and gains experience behind the wheel. A 20-year-old driver with a standalone policy pays an average of $7,583 per year for full coverage in Las Vegas, while a 25-year-old pays an average of $4,538 per year.

Coverage type
Insurance company 20-year-old 25-year-old
$1,131
$469
$1,482
$959
$1,660
$1,018
$1,908
$835
$2,716
$1,433
Insurance company 20-year-old 25-year-old
$3,703
$1,711
$5,061
$3,230
$5,341
$3,950
$5,553
$2,695
$7,166
$4,361

Las Vegas rates for adults

In adulthood, car insurance rates tend to stabilize, with 30-year-olds in Las Vegas paying an average of $3,894 per year for full coverage and 50-year-olds paying $3,363 per year.

Coverage type
Insurance company 30-year-old 40-year-old 50-year-old
$409
$407
$362
$763
$689
$666
$766
$708
$702
$826
$778
$763
$1,112
$986
$961
Insurance company 30-year-old 40-year-old 50-year-old
$1,547
$1,557
$1,414
$2,567
$2,441
$2,299
$2,681
$2,502
$2,367
$2,925
$2,924
$2,691
$3,138
$3,137
$2,753

Las Vegas rates for senior drivers

Senior drivers often pay the lowest auto insurance premiums of any age group, thanks to a lifetime of experience behind the wheel. However, insurers may begin to raise prices again as drivers reach their 70s, since reduced reaction time and increased medical fragility can lead to a higher risk of serious accidents. On average, 70-year-old drivers in Las Vegas pay $3,778 per year for full coverage, as compared to $3,321 at age 60.

Coverage type
Insurance company 60-year-old 70-year-old
$369
$494
$651
$736
$679
$893
$746
$878
$851
$1,110
Insurance company 60-year-old 70-year-old
$369
$1,692
$679
$2,702
$746
$2,659
$1,048
$2,739
$851
$3,396

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The cheapest car insurance in Las Vegas by driving record

When you apply for a car insurance policy, insurance companies analyze your motor vehicle report (MVR), a record of any moving violations or accidents. In Las Vegas, drivers with recent speeding tickets, at-fault accidents or DUI convictions generally pay significantly more for auto insurance than drivers with clean records.

Car insurance with a speeding ticket in Las Vegas

A Nevada speeding ticket could raise your insurance rates considerably. In Las Vegas, drivers with a single speeding ticket conviction pay $4,348 per year for full coverage — 19 percent more than drivers with clean records.

Insurance company Average min coverage rate Average full coverage rate
$484
$1,895
$911
$2,944
$911
$3,836
$983
$3,246
$1,352
$4,411

Car insurance after an accident in Las Vegas

An at-fault accident on your driving record signals to insurers that you may be more likely to generate costly claims. Drivers with one at-fault accident on their record pay 39 percent more for full coverage than drivers with no accidents, for an annual total of $5,046.

Insurance company Average min coverage rate Average full coverage rate
$668
$2,478
$1,087
$4,074
$1,102
$3,511
$1,266
$4,054
$1,459
$3,835

Car insurance after a DUI in Las Vegas

Penalties for a DUI in Las Vegas include vehicle impoundment, license suspension, fines from $400 to $1,000 and anywhere from two days to six months in jail. You may also need to retake your DMV tests and attend DUI school — and you’ll need to have an SR-22 certificate of liability insurance for three years following conviction.

That liability insurance will cost more than average after DUI conviction. On average, Las Vegas drivers with a single DUI conviction pay $2,124 per year for state minimum coverage — 76 percent more than drivers with clean records.

Insurance company Average min coverage rate Average full coverage rate
$995
$3,476
$1,135
$3,814
$1,214
$4,573
$1,742
$5,298
$1,755
$5,527
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Minimum coverage requirements in Las Vegas

All drivers in Las Vegas must carry at least the following coverage limits, as mandated by Nevada law:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

However, only carrying state minimum liability coverage could expose you to significant financial risk. Most insurance professionals recommend raising your liability limits to a higher level, such as $100k/$300k/$100k, and/or adding comprehensive and collision coverage for a full coverage policy.

Frequently asked questions

Methodology 

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Written by
R.E. Hawley
Senior Writer, Insurance

R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license in the state of New York.

Edited by Editor, Insurance