Best cheap car insurance in Las Vegas

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As you are shopping for car insurance in Las Vegas, it is beneficial to know how much you should expect to pay. The average cost of full coverage car insurance is $2,759 per year, and the average cost of minimum coverage car insurance is $1,030 per year. Not only does Las Vegas have a large population, but there are millions of tourists that visit the city each year, which means the chance of an accident occurring is high.

To find the cheapest car insurance companies in Las Vegas, we looked at the biggest providers and evaluated each company based on discounts, coverage options, customer service and more. Keep reading to see our list of the most affordable insurance companies in Las Vegas.

Best car insurance companies in Las Vegas

The best car insurance companies in Las Vegas are Geico, USAA, Progressive, Nationwide and State Farm. We selected these carriers because of their average policy rates, third-party ratings, financial strength, coverage options, discounts and customer service reviews.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 834 / 100 $475 $1,289
Nationwide 786 / 100 $814 $2,127
Progressive 803 / 100 $654 $1,914
State Farm 826 / 100 $779 $2,192
USAA 876 / 100 $716 $1,853


The average Las Vegas driver pays $1,289 for a full coverage car insurance policy from Geico and just $475 for a minimum coverage policy. Geico tied for first place in J.D. Power’s 2020 U.S. Car Insurance Study for overall customer satisfaction in the Southwest region, which includes Nevada. Despite having limited coverage options, Geico offers extremely affordable policies and a wide range of discounts.


Nationwide’s average car insurance policies are slightly more expensive than the other providers on our list. The average driver pays $2,127 for full coverage insurance and $814 for minimum coverage insurance. However, Nationwide offers 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.

State Farm

Like Nationwide, State Farm’s car insurance policies are on the higher end in terms of price. The average Las Vegas driver pays $2,192 for a full coverage policy. But if you are confident in your safe driving skills, you could get a cheaper premium with State Farm. The company offers two safe driver rewards programs (including one for young drivers) that can help you save money for practicing safe on-road behaviors.


Progressive’s average full coverage car insurance policy in Las Vegas is $1,914, which is pretty affordable. In addition to customizable coverage options, Progressive also offers a variety of online tools and resources for first-time insurance buyers. You can use the Name Your Price® Tool to find policies within your price range, and compare car insurance rates on Progressive’s website.


USAA is consistently rated as one of the best car insurance providers by J.D. Power and other rating organizations. 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. We recommend USAA to any Las Vegas driver that is eligible for coverage.

Cheapest car insurance in Las Vegas

On average, car insurance in Las Vegas is more expensive than in Nevada. The average Nevada driver pays $2,058 per year for full coverage insurance, which is about $700 less than Las Vegas’ average rate. However, Geico, USAA and Progressive sell car insurance policies in Las Vegas that are cheaper than the statewide average.

The table below includes the cheapest car insurance rates from the most popular carriers based on market share. These companies happen to also be the cheapest providers for drivers in Las Vegas.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $475 $1,289
Nationwide $814 $2,127
Progressive $654 $1,914
State Farm $779 $2,192
Nationwide $814 $2,127
USAA $716 $1,853

If you are searching for cheap car insurance, looking into these five providers is a good place to start. However, each company has its strengths and weaknesses and is best suited for certain types of drivers.

For example, Geico and State Farm offer great discounts but few additional coverage options. Progressive, Nationwide and State Farm offer safe driver rewards programs, but Geico and USAA do not. Also, USAA only sells coverage to military families, so not every Las Vegas driver will qualify.

Las Vegas insurance requirements

Car insurance is legally required in Las Vegas. According to Nevada law, all drivers in the state must carry minimum car insurance coverage, which includes:

  • $25,000 in bodily injury liability coverage per person
  • $59,000 in bodily injury liability coverage per accident
  • $20,000 in property damage liability coverage per accident

Drivers that carry minimum coverage insurance pay the lowest rate. However, most drivers will benefit from purchasing more coverage than what is required. Nevada’s minimum coverage insurance may not cover the full cost of an accident. Additionally, drivers who have a leased or financed car are usually required to carry full coverage insurance until their vehicle is paid off.

Car insurance discounts in Las Vegas

Most car insurance companies in Las Vegas, including the five carriers we reviewed, offer discounts that can help drivers lower their insurance premiums. Here are some of the most popular car insurance discounts available in Las Vegas:

  • Policy bundling: Nearly every insurance company in Las Vegas offers a bundling discount, which means you can save money on your premium by purchasing an auto and home insurance policy from the same company. Some companies also have discounts for bundling an auto, renters, condo or life insurance policy.
  • Car safety features: If your car has advanced safety features, like an anti-theft device, anti-lock brakes, airbags or daytime running lights, most insurance companies will lower your premium. Safer cars tend to have fewer claims.
  • Claims-free: Drivers who have no accidents or insurance claims on their record typically qualify for a claims-free discount. Some insurance companies do not advertise this discount, but they will consider your claims-history when you get a quote.
  • Good student: In Nevada, good students who maintain a certain GPA can sometimes qualify for a lower insurance premium. This discount usually applies to high school students and college-aged students.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. Before choosing an insurance company, it is important to consider what you value, like customizable coverage or good customer service. Based on our research, some of the best car insurance companies are State Farm, Geico, Progressive, Erie, The Hartford and USAA.

How much does car insurance in Las Vegas cost?

In Las Vegas, the average cost of full coverage car insurance is $2,759 per year, and the average cost of minimum coverage car insurance is $1,030 per year. Car insurance in Las Vegas is more expensive than the Nevada statewide average.

How much car insurance do I need in Las Vegas?

Drivers in Las Vegas must carry minimum coverage car insurance, per state law. However, it is recommended that drivers purchase full coverage car insurance, which offers more protection. Most car insurance companies in Las Vegas sell full coverage insurance, which includes collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.


Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.