The three cheapest car insurance companies in Las Vegas are Country Financial, Mercury and State Farm. Insurance rates can vary based on your driving history, age and coverage level. The table below breaks down costs by common categories to help you find the most affordable option based on specific factors.
Cheapest Car Insurance in Las Vegas, NV
Updated: December 24, 2024
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Key Takeaways
The five overall cheapest car insurance companies in Las Vegas are Country Financial, Mercury, Nationwide, Capital Insurance Group and Progressive.
The lowest car insurance rates in Las Vegas are $44 per month for state minimum coverage and $77 per month for full coverage.
On average, car insurance in Las Vegas costs $103 per month for minimum coverage and $189 per month for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Nevada Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Las Vegas
| Country Financial | Minimum Coverage | $44 |
| Mercury | Full Coverage | $77 |
| Nationwide | Teens | $221 |
| Country Financial | Young Adults | $62 |
| Country Financial | Senior Drivers | $43 |
| Country Financial | Drivers With Bad Credit | $70 |
| Country Financial | Drivers With a Speeding Ticket | $57 |
| Country Financial | Drivers With a DUI | $82 |
| Country Financial | Drivers With an Accident | $67 |
| Country Financial | Military Affiliated Drivers | $44 |
Cheapest Car Insurance Coverage in Las Vegas
Finding the cheapest car insurance in Las Vegas means comparing rates from various providers. Your age, driving record, type of vehicle and coverage all play a part in determining costs. Remember, the cheapest car insurance in Nevada might not align with Las Vegas prices, but by shopping for car insurance quotes, you can find an affordable plan that will provide enough protection.
Cheapest Minimum Coverage Car Insurance in Las Vegas
Country Financial offers the cheapest minimum coverage car insurance in Las Vegas at $44 per month, followed by Mercury at $52. Check the table below for other providers offering great rates on minimum coverage.
| Country Financial | $44 | $59 |
| Mercury | $52 | $52 |
| Nationwide | $54 | $50 |
| Capital Insurance Group | $61 | $43 |
| Progressive | $73 | $30 |
| Travelers | $78 | $26 |
| GEICO | $95 | $8 |
| American Family | $98 | $5 |
| State Farm | $101 | $3 |
Cheapest Full Coverage Car Insurance in Las Vegas
Mercury offers the cheapest full coverage car insurance in Las Vegas at $921 per year. Check the table below for more providers offering great rates for full coverage insurance.
| Mercury | $77 | $112 |
| Country Financial | $79 | $110 |
| Nationwide | $99 | $89 |
| Capital Insurance Group | $116 | $73 |
| Travelers | $132 | $57 |
| American Family | $148 | $40 |
| Progressive | $170 | $19 |
| State Farm | $177 | $12 |
| GEICO | $188 | $1 |
Cheapest Car Insurance in Las Vegas by Age
In Las Vegas, your age can affect your car insurance costs. Young drivers pay more because they're new on the road. As you get older, price usually goes down, but it can go again up after 70. Below, you will see the most affordable insurance for teens, adults and seniors.
Cheapest Car Insurance in Las Vegas for Teens
The most affordable car insurance for teens in Las Vegas is from Capital Insurance Group, Nationwide and State Farm. Check the table below to find the lowest rates for this age group.
| Nationwide | $221 | $140 | $453 | $237 |
| Capital Insurance Group | $294 | $67 | $362 | $327 |
| State Farm | $298 | $64 | $371 | $319 |
Cheapest Car Insurance in Las Vegas for Young Adults
Country Financial offers the cheapest car insurance for young adults in Las Vegas, with a yearly rate of $744 for minimum coverage. This is 50% less than the city's average cost. Other affordable options include Mercury, Nationwide and Progressive.
| Country Financial | $62 | $61 |
| Mercury | $70 | $53 |
| Nationwide | $75 | $48 |
| Progressive | $84 | $39 |
| Travelers | $89 | $34 |
| Capital Insurance Group | $103 | $20 |
| GEICO | $104 | $19 |
| American Family | $107 | $16 |
| State Farm | $123 | $0 |
Cheapest Car Insurance in Las Vegas for Seniors
Country Financial offers the cheapest car insurance for seniors in Las Vegas, with an annual rate of $518. Explore car insurance for seniors and check the table below for more provider and rate options.
| Country Financial | $43 | $65 |
| Nationwide | $52 | $56 |
| Capital Insurance Group | $53 | $56 |
| Mercury | $57 | $51 |
| Progressive | $75 | $34 |
| Travelers | $82 | $26 |
| GEICO | $94 | $14 |
| State Farm | $95 | $14 |
| American Family | $97 | $12 |
Cheapest Car Insurance in Las Vegas for Drivers With Bad Credit
A low credit-based insurance score can lead to higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit in Las Vegas, Country Financial offers a yearly rate of $834, while Nationwide has a rate of $840 for minimum coverage. Review the table below for more options from other providers.
| Country Financial | $70 | $77 |
| Nationwide | $70 | $77 |
| Mercury | $75 | $72 |
| Capital Insurance Group | $82 | $65 |
| Progressive | $107 | $40 |
| Travelers | $125 | $21 |
| Nevada General Insurance | $129 | $17 |
| GEICO | $138 | $8 |
| Kemper | $143 | $4 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can lower car insurance costs by using common discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Improving your credit over time can also help secure a lower rate.
Cheapest Car Insurance in Las Vegas After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Las Vegas After a DUI
Drivers in Las Vegas with a DUI can still find affordable car insurance. Country Financial offers the cheapest minimum coverage with an annual rate of $979. Check the table below for options from other providers and to find the best rates for drivers with a DUI.
| Country Financial | $82 | $82 |
| Mercury | $94 | $70 |
| Progressive | $104 | $60 |
| State Farm | $112 | $52 |
| Capital Insurance Group | $118 | $46 |
| Nationwide | $119 | $45 |
| Travelers | $137 | $27 |
| Kemper | $143 | $21 |
| Nevada General Insurance | $148 | $16 |
Cheapest Car Insurance in Las Vegas After an Accident
Country Financial offers the most affordable minimum coverage car insurance for drivers with an at-fault accident record in Las Vegas, with an annual rate of $805. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Country Financial | $67 | $96 |
| Capital Insurance Group | $83 | $80 |
| Nationwide | $86 | $77 |
| Mercury | $108 | $56 |
| Travelers | $116 | $47 |
| State Farm | $123 | $41 |
| Progressive | $132 | $32 |
| American Family | $162 | $1 |
Cheapest Car Insurance in Las Vegas After a Ticket
Country Financial offers the most affordable car insurance for drivers with a speeding record in Las Vegas, with an annual rate of $679. Nationwide follows closely with a rate of $752 per year. Check the table below to explore more options and find the best rates for your needs.
| Country Financial | $57 | $76 |
| Nationwide | $63 | $69 |
| Mercury | $71 | $61 |
| Capital Insurance Group | $80 | $53 |
| Progressive | $96 | $36 |
| Travelers | $110 | $22 |
| State Farm | $112 | $20 |
Cheapest Car Insurance in Las Vegas for Military Drivers
Military drivers, including active-duty members, veterans and their families, often find special discounts and competitive rates on car insurance in Las Vegas. The cheapest car insurance providers for military drivers are Country Financial, with an annual rate of $532, and Mercury, at $618, for minimum coverage.
| Country Financial | $44 | $56 |
| Mercury | $52 | $49 |
| Nationwide | $54 | $47 |
| Capital Insurance Group | $61 | $40 |
| USAA | $61 | $40 |
| Progressive | $73 | $28 |
| Travelers | $78 | $23 |
| GEICO | $95 | $6 |
| American Family | $98 | $2 |
| State Farm | $101 | $0 |
Car Insurance Quotes in Las Vegas
The estimated car insurance rates provided above offer Las Vegas drivers a glimpse into potential premiums, serving as a helpful starting point for those seeking affordable options. With Country Financial at $44/month and Mercury at $52/month, these estimates are useful. However, because insurers consider individual factors, obtaining quotes is key for accuracy.
Compare Las Vegas Car Insurance Estimates Online
Since each insurer evaluates personalized factors differently when calculating premiums, comparing quotes is the only way to find affordable car insurance. With MoneyGeek, I can quickly enter my details and receive multiple quotes. Notably, Country Financial offers rates at $44 monthly, while Mercury provides $52, both below the average.
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Rates updated:
Dec 24, 2024
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Car Insurance Agencies in Las Vegas
While comparing car insurance quotes online is swift for finding affordable coverage, residents seeking a personalized touch should contact local agencies. For instance, Country Financial offers a monthly rate of $44, significantly below the city average. The table below lists top agencies with contact details.
How Much Does Car Insurance Cost in Las Vegas?
In Las Vegas, full coverage car insurance averages $2,267 yearly. State minimum coverage is less, averaging $1,241 annually. Keep in mind that these rates are for a 40-year-old driver with good credit and a clean record. Your rate may differ based on your profile.
Las Vegas Auto Insurance Cost by Driver Profile
See how your auto insurance costs compare with our summary table of average rates for different driver profiles to ensure you're getting an affordable plan.
| Teen Drivers | No Data | $689 |
| Young Adults | $123 | $230 |
| Senior Drivers | $108 | $192 |
| Drivers With Bad Credit | $147 | $274 |
| Drivers With a Speeding Ticket | $132 | $245 |
| Drivers With a DUI | $164 | $301 |
| Drivers With an Accident | $163 | $303 |
| Military Affiliated Drivers | $101 | $184 |
How Expensive Is Car Insurance Las Vegas?
Car insurance in Las Vegas costs about 23% more for state minimum coverage and 19% more for full coverage than Nevada's average. Expect to pay around $103 monthly for minimum and $189 for full coverage.
| City Avg Rate | $103 | $189 |
| State Avg Rate | $84 | $158 |
| vs State Avg Rate | $-20 | $-31 |
Car Insurance Requirements in Las Vegas
In Nevada, drivers must have minimum coverage auto insurance that meets state law requirements. This includes coverage for bodily injury liability and property damage liability to ensure financial responsibility on the road.
Nevada's minimum coverage limits are as follows:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $20,000 for property damage liability per accident.
Liability coverage is crucial as it covers costs for damages or injuries you may cause to others if you're at fault in an accident. It's a financial safety net that helps protect you from out-of-pocket expenses.
For example, if you're involved in an accident and found to be at fault, the minimum bodily injury liability per person will cover up to $25,000 for injuries you cause to each individual. This is part of the essential financial protection your insurance provides.
For those in Las Vegas, if you're required to have SR-22 insurance, these minimum coverage limits are the least you must carry to comply with state laws and maintain your driving privileges.
Cheapest Car Insurance in Las Vegas: Bottom Line
Your age, driving history, car type and credit score all affect your car insurance cost in Vegas. Country Financial and Mercury often have the best prices. Always compare quotes to ensure you're saving the most money.
Cheap Las Vegas Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in Las Vegas. We help you find the best minimum coverage for your needs, ensuring you get the right protection without breaking the bank.
What is the cheapest car insurance company in Las Vegas, NV?
The cheapest car insurance companies in Las Vegas, NV, are Mercury and Country Financial. The monthly average rates are $77 for full coverage from Mercury and $44 for Country Financial's minimum coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Las Vegas, NV?
The average cost of car insurance in Las Vegas, NV, is around $2,267 per year for full coverage, while minimum coverage averages $1,241 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Las Vegas, NV, expensive?
Yes, car insurance in Las Vegas, NV, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Las Vegas, NV
To help Las Vegas drivers find the most affordable auto insurance companies, MoneyGeek analyzed Las Vegas auto insurance rates based on data and information from the Nevada Department of Insurance and Quadrant Information Services.
Las Vegas Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Las Vegas with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Las Vegas
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Nevada are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.