Whether you’re looking for the best — or cheapest — car insurance in Las Vegas, knowing a bit about car insurance rates in the area can be a helpful baseline. The average cost of car insurance in Las Vegas is $2,929 per year for full coverage, while minimum coverage comes in around $1,221 per year. Both are significantly higher than the national average cost of car insurance, which costs $1,674 for full coverage and $565 for minimum coverage.

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While it can be tempting to opt for minimum coverage to save money, most insurance agents caution against this as it may not be enough to cover an at-fault accident. Instead, shopping around and requesting quotes from multiple carriers might reveal that you can find full coverage car insurance without breaking the bank. The cheapest car insurance company in Las Vegas is Geico, according to Bankrate’s 2021 study of quoted annual premiums based on data from Quadrant Information Services. Read on for our full breakdown of the best car insurance companies in Las Vegas.

Best cheap car insurance companies in Las Vegas

The two cheapest car insurance companies on our list in Las Vegas are Geico and USAA. On average, car insurance in Nevada is around $2,245 per year for full coverage car insurance, while minimum coverage is $860 per year.

When looking for the best car insurance, Las Vegas drivers consider more than just price. Each company’s policy offerings and discount opportunities are just as important. On top of this, a company’s financial strength rating, customer service satisfaction and even mobile app and web accessibility are important factors as well. At Bankrate, we analyzed companies based on each of these categories to find the best and cheapest car insurance companies. The higher a company scored in each section, the higher their overall Bankrate Score for a maximum score of 5 out of 5.

Insurance company Bankrate Score J.D. Power score (Southwest region) Average annual premium for full coverage
Geico 4.7 829/1,000 $1,332
USAA 5.0 863/1,000* $1,822
Progressive 4.4 835/1,000 $1,962
Nationwide 4.4 Not available $2,022
State Farm 4.7 847/1,000 $2,267

*USAA is not eligible for official ranking due to eligibility requirements.  


Geico offers some of the cheapest rates for car insurance in Las Vegas on our list for both minimum and full coverage car insurance. Drivers can save even more if they qualify for its long list of car insurance discounts, especially if they belong in an affinity group or hold a certain profession. However, Geico scored the lowest in J.D. Power’s Auto Insurance Study for the Southwest region, indicating that its customer satisfaction for categories such as its claims and interactions was low.

Learn more: Geico Insurance review


USAA has always received a high score from J.D. Power, even though it can’t be ranked due to limitations on who it sells policies to. It also has an A++ rating from AM Best for financial strength. The company is known for having exceptional customer service, great prices and good coverage options. However, USAA exclusively sells car insurance to military members and veterans and their qualifying families. But if you’re eligible, it might be worth checking out.

Learn more: USAA Insurance review


Progressive’s Name Your Price tool puts the cost of insurance in its customers’ hands to help build a car insurance policy centered around their budget. From there, drivers can add other optional coverages, like a deductible savings bank that reduces the collision and comprehensive deductible by $50 for every claim-free policy period (subject to policy terms) and even rideshare coverage. If you prefer a local agent, Progressive works with some independent agencies in the Las Vegas area, though it seems not all offer personal auto insurance.

Learn more: Progressive Insurance review


In addition to its affordable car insurance rates, Nationwide has a variety of coverage options, including some unique add-on policies. Drivers can get gap insurance, accident forgiveness, a total loss deductible waiver and more. In terms of customer satisfaction, Nationwide did not rank in J.D. Power’s Southwest regional Auto Insurance Study and ranked below average in the rating agency’s nationwide Auto Claims Satisfaction study for claims handling.

Learn more: Nationwide Insurance review

State Farm

State Farm tied as one of the best auto insurance companies overall in our annual Bankrate Awards for its excellent customer service and competitive premiums. The company also provides many opportunities for discount savings, including two safe driver rewards programs based on telematics. If you drive a new vehicle and are looking for gap insurance, however, keep in mind that State Farm does not offer this as an option.

Learn more: State Farm Insurance review

How to get and keep the cheapest car insurance in Las Vegas

Looking for cheap car insurance companies in Las Vegas might take some time, but there some tips you can use to find the most competitive rates:

  • Shop around with carriers: The best way to be sure you are finding the most affordable rates is to request quotes from multiple insurance companies. Be sure that all coverage selections are identical (or as close as possible) to be certain that you can compare the quoted premiums accurately.
  • Maintain a clean driving record: Insurance providers are keen to insure drivers with clean driving records, a sign that they maintain safe driving habits. It’s the easiest way to keep the Good Driver discount that most companies offer, which can provide significant savings on your car insurance premium.

Frequently asked questions

What is the best car insurance company?

The best car insurance in Las Vegas depends on what you value most in your car insurance company. Are you looking for a long list of discounts or unique coverage options that can’t be found with any other carrier? Do you need in-person service with a knowledgeable local agent who can build a comprehensive insurance plan for all of your assets? Or would you prefer a self-service model through a mobile app or online web portal to manage your policies? Knowing what’s most important to you can help you find the best car insurance company in Las Vegas.

How much car insurance do I need in Las Vegas?

Figuring out the amount of car insurance you need is the first step in buying car insurance, and the answer is different for everyone. While carrying at least the minimum amount of coverage may help you find cheap car insurance in Nevada, this is only liability coverage and intended to protect the other party in an at-fault accident. This means that you would be responsible for your own damages and medical bills, if any, as well as any costs the other party incurred beyond the liability limits of your car insurance.

For this reason, many drivers choose to have higher liability limits than state requirements and carry additional coverage. This could include collision and comprehensive coverage, medical payments and other add-on options like towing and roadside assistance, rental car coverage and more to protect themselves and their vehicle. When building out your insurance policy, some factors to consider could be your financial situation, budget, vehicles and risk-level, as well as any unique coverage opportunities your car insurance company might offer. You might want to speak with a licensed insurance agent to determine how much coverage is right for you.

How can I lower my car insurance rates in Las Vegas?

Taking advantage of car insurance discounts can be a good way to find the cheapest car insurance in Las Vegas. Consider if you can qualify for a multiple policy discount by bundling your home and auto insurance at the same carrier, or completing a driver safety course if there is a young driver in the policy. If you want to be rewarded directly for safe driving, consider if your car insurance company offers a telematics program that tracks your driving habits and may provide extra discounts and rewards based on how well you drive.

How can I get car insurance online?

Most car insurance companies now allow customers to quote a policy online through their websites. From there, you may be able to upload any supporting documentation, make a payment and activate the policy. In other cases, it may direct you to a company representative or licensed agent who will review the information and make sure it’s all correct before binding.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 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 2019 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.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.