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.
Average Rate of Car Insurance in Las Vegas, NV, is $1,953
The average cost of car insurance in Las Vegas is $1,953. This is higher than the cost of auto insurance in Whitney, Nellis AFB, Sunrise Manor, and Winchester. The cost of auto insurance is influenced by numerous factors such as the value of deductibles, age of the driver, driving record, and make and model of the car. The cost of auto insurance can also vary from one neighborhood to another, depending on the rate of auto thefts in that area.
Insurance Requirements:
Car insurance is mandatory for all vehicle owners in Nevada. The minimum liability insurance requirements for private passenger vehicles are as follows:
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$25,000 for injury/death to a person.
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$50,000 for injury/death of two or more persons.
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$20,000 for damage to property.
Age of the Driver:
The cost of auto insurance varies according to the age of the driver. With an increase in the driving experience, the cost of auto insurance decreases. This is perhaps why teenagers in Las Vegas end up paying the most on auto insurance. The average cost of auto insurance for a teenager in Las Vegas is $6,377. This is more than double the average cost of auto insurance for the next age group. Car owners who are in their fifties end up paying only $1,722 on car insurance, while car owners who are in their sixties pay $1,746.
Multi-Car Insurance:
Car owners who own multiple cars can insure all their vehicles under the same auto insurance company to avail discounts. The average cost of insuring two cars in Las Vegas will cost up to $3,320, resulting in a savings of $586 on car insurance. Car owners in Las Vegas can save up to $1,172 on car insurance by opting for multi-car insurance policies.
Credit Score:
The credit score of a car owner plays a crucial role in determining the cost of auto insurance in Las Vegas. The better the credit score, the cheaper the cost of auto insurance. Car owners with an exceptional credit score (between 800 and 850) can obtain car insurance in Las Vegas for as low as $1,676. On the other extreme, car owners with a credit score between 300 and 579 will find car insurance to be extremely expensive, at $3,186.
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 Rates
- Las Vegas, NV Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Las Vegas, NV
- Multi Vehicle Insurance Savings in Las Vegas, NV
- How Credit Score Affects Car Insurance Rates in Las Vegas, NV
- How DUI Affects Auto Insurance Premiums in Las Vegas, NV
- How Driving Violations Affect Auto Insurance Rates in Las Vegas, NV
- Las Vegas, NV Auto Insurance Discounts on Anti Theft Feature
- Las Vegas, NV Auto Insurance Company Reviews
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
ProgressiveI'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.
ProgressiveTheir customer service is willing to help with problems, and are very friendly
AllstateI think I would recommend this company to anyone out there looking there is a lot of competition out there but they are the best
ProgressiveI 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.
AllstateBesides actually paying premiums, do not think there is a reason we would be dissatisfied with our insurance coverage.
AaaThe 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 InsuranceThey 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 InsuranceAm 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.
ProgressiveI 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.
ProgressiveI 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.
AllstateI 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 FarmThis company offers simpler payments