The Cheapest Car Insurance in Las Vegas

Cate Deventer
Cate Deventer
Insurance Editor

Las Vegas is a popular destination, welcoming over 32 million visitors in 2021. With so many visitors on the road plus the residents’ vehicles who live in the area, Sin City’s congested roads can lead to more accidents and higher car insurance rates. So, is it possible to find cheap car insurance rates in Las Vegas? can help. We analyzed Bankrate’s 2021 premium data from Quadrant Information Services to help you learn how to find cheap car insurance in Las Vegas. Our investigation could help you learn strategies to find cheap car insurance and lower your current car insurance bill.

Cheapest Car Insurance in Las Vegas

According to 2021 premium data from, the average cost of full coverage car insurance in Las Vegas is $2,929 per year, while minimum coverage costs an average of $1,221 per year. Compared to Nevada’s annual averages, which are $2,245 for full coverage and $860 for minimum coverage, Las Vegas drivers pay quite a bit more.

That doesn’t mean you can’t find cheaper coverage, though. One of the best ways to find the most affordable premium for your situation is to shop around and compare quotes. While you’re comparing rates, you can also compare third-party satisfaction and financial strength scores, coverage offerings, and digital policy features. You can also take advantage of car insurance discounts to save on your premium.

Average Annual Premium in Las Vegas

  • Full Coverage: $2,929
  • Minimum Coverage: $1,221

Car Insurance in Las Vegas

Due to Vegas being a vacation destination, the roads can get busy and crowded, which means accidents may be more common. Also, in Vegas, drunk driving isn’t only a night-time issue — many drunk driving accidents occur between 9 a.m. and 3 p.m., labeling the state and city as the “Booziest Brunch” spot in the country.

Additionally, Las Vegas isn’t prone to the same weather threats other parts of the country suffer from, such as hurricanes, ice and snowstorms. But that doesn’t mean Las Vegas is hazard-free. Flash flooding can be dangerous, especially for Vegas drivers.

Las Vegas minimum insurance requirements

Nearly all states require drivers to carry at least a minimum level of auto insurance to drive legally. If you’re caught without insurance in Las Vegas, you could face stiff penalties. The fine can cost between $250 and $1,000, and your license may be suspended.

Drivers in Nevada, including those in Las Vegas, must carry at last the following minimum car insurance limits

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

However, most insurance professionals recommend that you buy higher liability limits to better protect your finances in case of an accident. Additionally, liability insurance doesn’t cover damage to your vehicle in case of an accident. Finding the right level of coverage for your needs can be tricky, and if you aren’t sure what limits you should consider, talk to an insurance agent.

Las Vegas Car Insurance FAQs

Methodology reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers. 

As for average pricing, we used’s data of car insurance in Las Vegas, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

  • $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.

About the Authors

Cate Deventer

Cate Deventer Insurance Editor

Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on and, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

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