Best car insurance in Las Vegas for 2022

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As you are shopping for the best or cheapest car insurance in Nevada, it is beneficial to know how much you should expect to pay. The average cost of full coverage car insurance in Nevada is $2,246 per year, and the average cost of minimum coverage car insurance is $860 per year. It’s significantly more than the national average cost of car insurance, which costs $1,674 for full coverage and $565 for minimum coverage.

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.

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.

Provider Average annual full coverage premium J.D. Power customer satisfaction score
Geico $1,332 834/1000
Nationwide $2,022 786/1000
Progressive $1,962 803/1000
State Farm $2,267 826/1000
USAA $1,822 876/1000


The average Las Vegas driver pays $1,332 per year for a full coverage car insurance policy from Geico and just $518 per year 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 pretty affordable compared to the other providers on our list. The average driver pays $2,022 annually for full coverage insurance and $746 annually 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.


Progressive’s average full coverage car insurance policy in Las Vegas is $1,962 per year. 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.

State Farm

The average Las Vegas driver pays $2,192 per year 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.


USAA always receives 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 families. But if you’re eligible, it might be worth checking out.

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.

How to get the best car insurance

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. It’s important to protect yourself with the best coverage based on your needs.

  • Evaluate your needs: Car insurance premiums are highly personalized for each driver based on a series of rate factors. Car insurance companies look at things like where you live, the kind of car you drive, your driving history and your credit score before formulating a price for your auto insurance policy based on your individual risk as a policyholder.
  • Consider state factors: Car insurance is legally required in Las Vegas. However, most drivers will benefit from purchasing more coverage than what is legally required. Nevada’s minimum coverage insurance may not cover the full cost of an accident.

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 best auto insurance discounts available in Las Vegas.

Discount Geico Nationwide Progressive State Farm USAA
Anti-lock brakes X X
Anti-theft devices X X X X
Automatic payment/paperless billing X X
Defensive driving course X X X X
Early signing X
Full payment
Good student X X X X X
Green vehicle
Loyalty X
Low annual mileage X X X X
Military X X
Multiple policies X X X X X
Multiple vehicles X X X X
Occupational or organizations X
Safe driver/accident free X X X X X
Safety features X X

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.

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 always worth considering purchasing 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 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 coverages that meet 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.