Car insurance in Las Vegas, Nevada, costs about $508 a month ($6,095 a year) for full coverage for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 25% above the Nevada average of $407 a month, so compare Las Vegas car insurance quotes before you buy. GEICO has the lowest full-coverage average among the four major insurers we compared (Allstate, CSAA, GEICO and Progressive), at about $427 a month.
Las Vegas is the second-most expensive of the 24 Nevada cities and towns we price, about $2 a month below North Las Vegas, and our benchmark driver pays about $101 a month more than the Nevada average. The same driver pays about $79 a month less in Henderson and about $223 less in Reno.
Our figures cover the 41 ZIP codes with a Las Vegas mailing address that we price, and they reach well beyond the city. On the Census Bureau’s maps, 15 of them center on the City of Las Vegas and 20 on unincorporated Clark County communities: Spring Valley, Paradise, Enterprise, Winchester, Sunrise Manor and Whitney. North Las Vegas and Henderson have ZIP codes of their own, so they aren’t part of the Las Vegas figure.
Cost data comes from the auto rates insurers file with state regulators, priced across all 41 Las Vegas ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Las Vegas, NV?
The average cost of car insurance in Las Vegas, NV, is about $508 a month ($6,095 a year) for full coverage, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $2,907 a year ($242 a month), and 50/100/50 liability with comprehensive and collision averages $5,222 ($435 a month).
- Full coverage (100/300/100, $500 deductibles): $6,095 a year ($508 a month)
- 50/100/50 with $500 deductibles: $5,222 a year ($435 a month)
- Liability only (15/30/10): $2,907 a year ($242 a month)
- Clark County: $5,855 a year ($488 a month) for full coverage
- Nevada average: $4,889 a year ($407 a month) for full coverage
- ZIP code range: $423 (89166) to $580 (89104) a month for full coverage
Cheapest Car Insurance Companies in Las Vegas
Looking for cheap car insurance in Las Vegas? Compare insurers as closely as ZIP codes: for the same driver and car, the full-coverage averages of the four major insurers we compared run from about $427 to $600 a month, a spread of $173, while the least and most expensive Las Vegas ZIP codes are $157 apart.
- Lowest average among these four insurers, full coverage: GEICO, at about $427 a month ($5,129 a year).
- Next lowest among these four insurers: CSAA, at about $461 a month, then Progressive at $544.
- Liability only (15/30/10), among these four insurers: Progressive and GEICO, effectively tied at about $195 and $198 a month.
- State Farm (Nov. 2025 rates)*: about $434 a month for full coverage, from its November 2025 rates.
- Also on our list: Country Financial at about $274 a month, USAA at $319, Travelers at $505, Farmers at $639 and American Family at $750 (USAA sells only to military families).
- Most expensive among these four insurers: Allstate, at about $600 a month, $2,071 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the four insurers in our Las Vegas rate data. The statewide Nevada rate studies dated 2026 that we reviewed most often rank Travelers cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families, and the other three each put a different insurer first. In our Las Vegas table, Travelers*, priced from those studies and scaled to our benchmark driver, comes in at about $505 a month, above GEICO’s $427, so we don’t name it. Country Financial* comes in lower, at about $274, but it leads only one of the seven studies, so we don’t name it either. For liability-only coverage at 15/30/10 limits, Progressive and GEICO are effectively tied for the lowest average among these four insurers, at about $195 and $198 a month.
Full-coverage averages by insurer in Las Vegas
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $2,376 | $198 | $5,129 | $427 |
| CSAA | $2,873 | $239 | $5,528 | $461 |
| Progressive | $2,344 | $195 | $6,525 | $544 |
| Allstate | $4,034 | $336 | $7,200 | $600 |
| State Farm (Nov. 2025 rates)* | $2,245 | $187 | $5,207 | $434 |
| Country Financial* | $1,460 | $122 | $3,293 | $274 |
| USAA (military families)* | $1,462 | $122 | $3,827 | $319 |
| Travelers* | $3,198 | $267 | $6,063 | $505 |
| Farmers* | $2,938 | $245 | $7,669 | $639 |
| American Family* | $3,575 | $298 | $8,999 | $750 |
| Las Vegas average | $2,907 | $242 | $6,095 | $508 |
This table uses Las Vegas ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Las Vegas Car Insurance Rates by ZIP Code
Across the 41 Las Vegas ZIP codes we price, full coverage for our driver ranges from about $423 a month in 89166 to $580 in 89104, a gap of $1,885 a year. Prices are lowest on the northwest edge of the Las Vegas area, where 89166, 89143 and 89149 average about $423 to $443 a month, and highest close to downtown: 89101, 89106 and 89104, all within about three miles of City Hall, average $572 to $580. The 15 ZIP codes that center on the City of Las Vegas average about $496 a month, and the other 26 about $515.
Lowest-priced Las Vegas ZIP codes
Highest-priced Las Vegas ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Las Vegas’ average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 89101 | $3,201 | $267 | $6,860 | $572 | +13% |
| 89102 | $3,205 | $267 | $6,803 | $567 | +12% |
| 89103 | $3,127 | $261 | $6,569 | $547 | +8% |
| 89104 | $3,307 | $276 | $6,957 | $580 | +14% |
| 89106 | $3,255 | $271 | $6,934 | $578 | +14% |
| 89107 | $3,112 | $259 | $6,496 | $541 | +6% |
| 89108 | $2,924 | $244 | $6,202 | $517 | +2% |
| 89109 | $3,092 | $258 | $6,549 | $546 | +7% |
| 89110 | $3,237 | $270 | $6,837 | $570 | +12% |
| 89113 | $2,964 | $247 | $6,192 | $516 | +2% |
| 89115 | $2,917 | $243 | $6,403 | $534 | +5% |
| 89117 | $2,989 | $249 | $6,086 | $507 | About average |
| 89118 | $2,963 | $247 | $6,130 | $511 | +1% |
| 89119 | $2,984 | $249 | $6,242 | $520 | +2% |
| 89120 | $2,933 | $244 | $6,141 | $512 | +1% |
| 89121 | $3,103 | $259 | $6,550 | $546 | +7% |
| 89122 | $2,923 | $244 | $6,160 | $513 | +1% |
| 89123 | $2,698 | $225 | $5,623 | $469 | -8% |
| 89128 | $2,783 | $232 | $5,741 | $478 | -6% |
| 89129 | $2,671 | $223 | $5,566 | $464 | -9% |
| 89130 | $2,764 | $230 | $5,785 | $482 | -5% |
| 89131 | $2,635 | $220 | $5,458 | $455 | -10% |
| 89134 | $2,620 | $218 | $5,427 | $452 | -11% |
| 89135 | $2,619 | $218 | $5,410 | $451 | -11% |
| 89138 | $2,569 | $214 | $5,334 | $445 | -12% |
| 89139 | $2,984 | $249 | $6,155 | $513 | +1% |
| 89141 | $2,911 | $243 | $5,936 | $495 | -3% |
| 89142 | $3,109 | $259 | $6,640 | $553 | +9% |
| 89143 | $2,435 | $203 | $5,092 | $424 | -17% |
| 89144 | $2,603 | $217 | $5,402 | $450 | -11% |
| 89145 | $2,839 | $237 | $6,001 | $500 | -2% |
| 89146 | $3,138 | $262 | $6,502 | $542 | +7% |
| 89147 | $3,108 | $259 | $6,511 | $543 | +7% |
| 89148 | $2,952 | $246 | $6,145 | $512 | +1% |
| 89149 | $2,550 | $213 | $5,317 | $443 | -13% |
| 89156 | $3,087 | $257 | $6,624 | $552 | +9% |
| 89166 | $2,373 | $198 | $5,072 | $423 | -17% |
| 89169 | $3,079 | $257 | $6,517 | $543 | +7% |
| 89178 | $2,825 | $235 | $5,970 | $498 | -2% |
| 89179 | $2,820 | $235 | $5,844 | $487 | -4% |
| 89183 | $2,772 | $231 | $5,726 | $477 | -6% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Las Vegas?
Raising liability limits from 50/100/50 to 100/300/100 adds about $873 a year on average in our Las Vegas data, with the same $500 deductibles. That’s about $73 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Las Vegas?
Yes, for our benchmark driver. Comparing the same insurers in the same Las Vegas ZIP codes, full coverage averaged $5,847 a year nine months earlier and $6,095 in rates as of Aug. 31, 2026, a 4.2% increase. GEICO raised its average 9.9% and Allstate 7.9%, while CSAA’s and Progressive’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits rose 5.2%, led by Allstate, which raised its liability-only average 10.4%.
Why Does Car Insurance Cost More in Las Vegas?
Clark County averages about $488 a month for full coverage, the most expensive of the 11 Nevada counties we price, and 58 of the 93 Nevada ZIP codes we price are in it. Las Vegas costs more than the county as a whole, and only North Las Vegas, at $510, is higher among the 24 Nevada cities and towns we price.
Clark County towns farther from Las Vegas cost far less: Boulder City, about 22 miles southeast, averages about $359 a month, Laughlin $315 and Mesquite $306. Liability-only coverage at 15/30/10 limits averages about $242 a month in Las Vegas, the highest of the 24 Nevada cities and towns we price. Where you live is one of the factors Nevada insurers use, so neighboring towns can be priced differently.
How Las Vegas Car Insurance Compares With Other Nevada Cities
More Nevada cities and towns are in the Nevada rates by city table, and you can compare states on our car insurance rates by state page.
Henderson, about 13 miles southeast, averages $429 a month, and North Las Vegas, next door to the northeast, $510. Reno, about 345 miles northwest, averages $285. For the statewide picture, see our guide to Nevada car insurance rates.
What Car Insurance Is Required in Las Vegas?
Drivers in Las Vegas follow Nevada’s rules. Every owner of a registered vehicle must keep liability insurance of at least:
- $25,000 per person and $50,000 per crash for injuries you cause to others
- $20,000 for damage you cause to other people’s property
The policy must be written for Nevada by an insurer authorized in the state, and the Nevada DMV checks coverage electronically. The liability-only prices on this page use 15/30/10 limits, Nevada’s minimum before July 1, 2018, so they’re lower than the law now requires. Our Nevada requirements guide covers the penalties for a lapse and for driving uninsured.
How to Lower Your Car Insurance Rate in Las Vegas
- Compare GEICO and CSAA first. They have the two lowest full-coverage averages among the four major insurers we compared in Las Vegas, about $427 and $461 a month.
- Quote several insurers. Among the four major insurers we compared in Las Vegas, the lowest and highest averages are about $173 a month apart for the same driver and car.
- Never let coverage lapse while your plates are active. Nevada checks insurance electronically, and even a one-day lapse will result in a registration suspension and a reinstatement fee that starts at $250, according to the Nevada DMV. If a car will sit unused, cancel its registration first.
- Compare at every renewal. Over the past nine months, GEICO has raised its average 9.9% and Allstate 7.9%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Las Vegas home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Las Vegas Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 164 full-coverage premiums from four insurers across 41 Las Vegas ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count and benchmark: our Nevada averages come from four insurers, fewer than in most states, so they can move a lot when one insurer changes its prices. They’re for one benchmark driver and car with 100/300/100 liability limits, 100/300 uninsured motorist coverage and $500 deductibles, so other published averages that use other drivers, cars or coverage can differ. We publish our figures as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Nevada’s minimum has been 25/50/20 since July 1, 2018, so our liability-only prices use lower limits than the law requires. Before that date the minimum was 15/30/10, the limits our liability-only package uses. Nevada doesn’t require uninsured motorist or medical payments coverage, but insurers must offer both, and it has no personal injury protection requirement.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Nevada rate studies, scaled to our benchmark driver. They aren’t included in our averages. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nevada law and the Nevada Division of Insurance. We refresh these figures when new rate data is released.
Las Vegas Car Insurance FAQ
Car insurance in Las Vegas, NV, costs about $508 a month ($6,095 a year) for full coverage and about $242 a month for liability-only coverage at 15/30/10 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 25% above the Nevada average of $407 a month.
Among the four major insurers we compared, GEICO has the lowest full-coverage average in Las Vegas, at about $427 a month, with CSAA close behind at $461. For liability-only coverage at 15/30/10 limits, Progressive and GEICO are effectively tied for the lowest average among the four major insurers we compared. Travelers, which statewide Nevada rate studies most often rank cheapest, comes in at about $505 a month in our Las Vegas table once scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Las Vegas full coverage averages about $508 a month ($6,095 a year) and North Las Vegas about $510 ($6,117 a year), so the insurer you choose matters far more than which of the two you live in.
In our data, 89166 has the lowest full-coverage average in Las Vegas, at about $423 a month, and 89104 the highest, at about $580. The ZIP code table on this page lists all 41.
In our Las Vegas data, full coverage (100/300/100 with $500 deductibles) averages about $508 a month and liability-only coverage at 15/30/10 limits about $242, a difference of about $266 a month ($3,188 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Nevada law doesn’t require full coverage, but a lender or leasing company may.
Yes, for most cars. The Nevada DMV requires emission testing in the Las Vegas Valley and a five-mile buffer zone around it, but new vehicles are exempt until their fourth registration. Your car insurance must also be in place, from an insurer authorized in Nevada, before you register.
Drivers in Las Vegas must carry Nevada’s minimum liability coverage: $25,000 per person and $50,000 per crash for injuries you cause and $20,000 for property damage (25/50/20), from an insurer authorized in Nevada. The DMV checks coverage electronically through NV LIVE, and even a one-day lapse while your plates are active can suspend your registration.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Las Vegas full coverage rose 4.2% over the past nine months, from about $5,847 to $6,095 a year. GEICO raised its average 9.9% and Allstate 7.9%. Liability-only coverage at 15/30/10 limits rose 5.2%.
For our benchmark driver, full coverage in Las Vegas averages about $508 a month. Nearby, Henderson averages about $429 and Reno about $285. Henderson and Reno are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
