Best car insurance in Las Vegas


It is helpful to know the approximate cost of Nevada car insurance. The annual average cost for full-coverage car insurance is $2,246. Minimum coverage car insurance costs an average of $860 per annum. This is significantly higher than the national average car insurance cost, which is $1,674 for full coverage, and $565 for minimal coverage.

We compared the largest providers to find the best car insurance in Las Vegas. Each company was evaluated based on customer service, discounts, and coverage options.

Las Vegas’s best car insurance companies

Geico, USAA Progressive, Nationwide, Nationwide, and State Farm are the best Las Vegas car insurance companies. These carriers were chosen for their average policy rates and third-party ratings. They also have financial strength, coverage options, discounts, customer service reviews, and financial strength.

ProviderAverage premium for full coverage annuallyJ.D. J.D.
State Farm$2,267826/1000


An average Las Vegas driver spends $1,332 annually for full coverage car insurance from Geico. A minimum coverage policy costs $518 per annum. J.D. Power’s 2020 U.S. Car Insurance Study to assess customer satisfaction in the Southwest region (which includes Nevada). Geico offers a variety of discounts and affordable coverage, despite having very limited options.

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All over the country

Nationwide has the most affordable car insurance policies. They are much less expensive than other providers. Average drivers pay $2,022 annually to get full coverage insurance. Minimum coverage insurance costs $746 annually. Nationwide has a wide range of coverage options and some exclusive add-on policies. Drivers have the option to purchase gap insurance, accident forgiveness, and a total loss waiver.


Progressive has an average car insurance policy that covers full coverage in Las Vegas at $1,962 per annual. Progressive offers a range of online resources and tools for first-time buyers. In addition to offering customizable coverage options, they also offer a variety ot online tools and resources. To find policies that fit your budget and compare rates, you can use the Name Your price(r) tool on Progressive’s site.

State Farm

An average Las Vegas driver will pay $2,192 annually for full coverage. However, if you’re confident in your driving skills, you may be able to get a lower premium with State Farm. You can save money by following safe driving habits (including one for young driver).

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USAA receives an unqualified high score from J.D. Although it cannot be ranked because of restrictions on the people it sells policies too, Power is still a strong ranking. It also holds an A++ rating by AM Best to demonstrate financial strength. It is well-known for its exceptional customer service, low prices, and wide range of coverage options. USAA only sells car insurance to veterans, and their families. It might be worth looking into if you are eligible.

Las Vegas insurance requirements

In Las Vegas, car insurance is required. Nevada law requires that all Nevada drivers have minimum coverage for their car. This includes:

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

Minimum coverage drivers pay the lowest rates. Most drivers will be able to purchase more coverage than is necessary. Nevada’s minimum coverage insurance does not cover all costs of an accident. Drivers who lease or finance a car must have full coverage until the vehicle is paid off.

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How to get the best car coverage

Las Vegas has a large population. Millions of tourists visit the city every year. This means that there is a high chance of an accident. You should make sure you have the right coverage for your needs.

  • Assess your needs. Car insurance premiums can be highly customized for each driver using a number of rate elements. Before determining the price of your auto insurance policy, car insurance companies consider factors such as where you live, what kind of car and driving record, credit score, and other information.
  • Take into account state factors. In Las Vegas, car insurance is required. Most drivers will be able to purchase more coverage than is required by law. Nevada’s minimum coverage insurance might not cover all costs of an accident.

Questions frequently asked

Which is the best auto insurance company?

Every driver will have a different experience with the best car insurance company. It is important to evaluate your needs before choosing an insurance company.

Las Vegas: How much do I need to insure my car?

According to state law, Las Vegas drivers must have minimum coverage car insurance. It is worth looking into full coverage car insurance. This will provide greater protection. Most car insurance companies in Las Vegas sell full coverage insurance, which includes collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.

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