Las Vegas Auto Insurance Rates, Quotes, Agents & Reviews in NV

Las Vegas, NV Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Las Vegas, NV, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Las Vegas, NV are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Las Vegas, NV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Las Vegas, NV with that of other cities in and around Las Vegas.

Las Vegas Spring Valley Whitney Nellis AFB Sunrise Manor Winchester
Average Insurance Rates $1,953 $1,968 $1,899 $1,816 $1,895 $1,892

Las Vegas, NV Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Las Vegas, NV based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Las Vegas $2,262 $1,911
Winchester $2,178 $1,840
Paradise $1,296 $1,094
Whitney $1,063 $898
Sunrise Manor $929 $785
Spring Valley $1,146 $968
Nellis AFB $2,652 $2,240
Henderson $1,434 $1,211

Las Vegas, NV Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Las Vegas, NV usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,337
20 Years $2,509
30 Years $1,933
40 Years $1,860
50 Years $1,722
60 Years $1,746
70 Years $2,032

Las Vegas, NV Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Las Vegas, NV can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,320 $586
3 Vehicles $4,980 $879
4 Vehicles $6,640 $1,172

Savings on 2 Vehicles bundle:$586

Savings on 3 Vehicles bundle:$879

Savings on 4 Vehicles bundle:$1,172


Las Vegas, NV Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Las Vegas, NV.

Location Average Insurance Cost Post DUI Insurance Rate
Las Vegas $1,953 $3,101
Winchester $1,892 $3,004
Paradise $1,944 $3,087
Whitney $1,899 $3,016
Sunrise Manor $1,895 $3,009
Spring Valley $1,968 $3,125
Nellis AFB $1,816 $2,884
Henderson $1,553 $2,466

Las Vegas, NV Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,676
Excellent (740-799) $1,913
Good (670-739) $2,035
Average (580-669) $2,655
Poor (300-579) $3,186

Las Vegas, NV Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$86 $2,039
Driver's Failure In Showing Documents +$189 $2,142
Driving With An Expired Registration +$201 $2,154
Driving At A Considerably Slow Pace +$424 $2,377
Using A Cellphone While Driving +$447 $2,400
Running A Red Light +$455 $2,408
Speeding +$478 $2,431
Driving A Vehicle Without The Required Permission +$607 $2,560
Driving With An Expired/Suspended License +$1,316 $3,269

Las Vegas, NV Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,875
Active Disabling Device $1,875
Tracking Device $1,836
Passive Disabling Device $1,816

Latest Auto Insurance Reviews in Las Vegas, NV | Back to Top

Progressive
I'm very impressed by Progressive, there are other car insurance companies that are out to get customers and take all their money but not this one.
Progressive
Their customer service is willing to help with problems, and are very friendly
Allstate
I think I would recommend this company to anyone out there looking there is a lot of competition out there but they are the best
Progressive
I have only had to get in touch a few times, but I haven't had to wait, and the people I've spoken with have been courteous and helpful.
Allstate
Besides actually paying premiums, do not think there is a reason we would be dissatisfied with our insurance coverage.
Aaa
The main thing I do not like about the insurance company is that I have to wait a long time on hold to talk to someone.
American Family Insurance
They are well known and they are someone to trust. They are experts in the auto insurance and I really appreciate the company. I feel adequately covered and I have all the confidence in the world for them.
Encompass Insurance
Am satisfied with my car insurance it's a 5, they cover accidents, they have the road side assistance, they cover natural disaster such as hail damage, flood.
Progressive
I like the convenience and the reliability of the company. I like that I can change, add, or delete things all within the app or online without having to speak to a representative.
Progressive
I like that most interactions can be done online. The website is very user-friendly and convenient. When I have had to make contact the agents are always friendly and competent.
Allstate
I like the fact that customer care is always an American on the other end of the phone and they are very pleasant to talk to
State Farm
This company offers simpler payments