Best Las Vegas, NV Auto Insurance in 2025 (Check Out These 10 Companies)

The best Las Vegas, NV auto insurance companies are Farmers, Allstate, and Nationwide, with only $55 starting monthly rates. Farmers provide good discount options to lower monthly premiums and ensure high customer satisfaction, proved by a 3.7/5 score in J.D. Power and an A from A.M. Best.

Allstate is known for its extensive network of local agents who personalize policies for customers’ varied needs through face-to-face consultations. Nationwide has budget-friendly rates of only $62 a month.

Our Top 10 Company Picks: Best Las Vegas, NV Auto Insurance

The best auto insurance companies have their own strengths that you need to discover to decide which suits your needs better. These are further discussed in detail below.

If you want to acquire free Las Vegas, NV auto insurance coverage options from top providers now, type your ZIP code into our helpful tool to get quick online quotes.

#1 – Farmers: Top Overall Pick

Pros

• Customer Satisfaction and Service Quality: A 3.7/5 score in J.D. Power and an A from A.M. Best, proving its prompt claims and customer response.
• Good Discount Options: A 20% bundling discount, up to 30% good driver discount, up to 15% multi-car discount, and a special discount for affinity groups.
• Unique Coverage Perks: Farmers’ insurance review offered coverage for rideshare, OEM parts replacement, customized equipment, and new car replacement.

Cons

• Recent Rate Increase: It implemented a 20% rate increase in April 2024 for new customers in NV.
• Complaint Index: Farmers received more complaints with a 1.07 rating on the NAIC index.

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#2 – Allstate: Best for Local Agent

Pros

• Extensive Network of Agents: Ensures policy customization with the help of local agents through face-to-face consultation.
• Numerous Savings Options: Safe driver, multi-policy, and new car discounts are a few of the savings options mentioned. Check the Allstate auto insurance review for further details.
• Superior Financial Strength: Allstate proved its reliable claims and financial stability with an A+ rating from A.M. Best.

Cons

• Mixed Customer Reviews: Varied experiences of customers are reported, with some positive and others having issues with claims and customer service.
• Higher Premium Cost: With an average monthly rate of $367 for full coverage, Allstate has higher costs than most insurers.

#3 – Nationwide: Best for Competitive Rates

Pros

• Affordable Premiums: Nationwide is one of the providers that offers low premiums, with a $150 monthly rate.
• Usage-Based Insurance Leader: Ranked 1 in customer satisfaction on usage-based insurance conducted by J.D. Power. Check what makes it the best in customer satisfaction in Nationwide insurance review.
• Vanishing Deductibles Program: A $100 up to $500 decrease on deductibles for every year of safe driving behaviors.

Cons

• Policy Restrictions: The coverage options, discounts, and programs vary between states.
• Higher Cost for High-Risk Drivers: Premium rates for high-risk drivers, including those with poor credit scores, accidents, and DUIs, are higher than usual.

#4 – Geico: Best for Safe-Driving Rewards

Pros

• Digital Integration: Geico seamlessly tracks driving behaviors on mobile apps without additional devices.
• Big Rewards for Safe Driving: A 5% discount for safe driving enrollment and a 10% discount moving forward if safe driving habits are maintained.
• Available in Most States: DriveEasy is widely accessible and available in 37+ states. You can check more of this in the Geico auto insurance review.

Cons

• Potential Premium Increase: Collected data on drivers’ risky behaviors increases the premiums.
• App Sensitivity Issues: Reports show that the app inaccurately records specific actions, such as penalizing necessary stops with hard braking.

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#5 – American Family: Best for Family Discounts

Pros

• Competitive Premiums: American Family offers an average monthly rate of $157, lower than the national average of $170.
• Family Discounts:  Save 5% to 20% on the DriveMyWay program for good driving habits and generational discounts benefiting the family. Extensive details on the American Family auto review. 
• Outstanding Client Feedback: A 4.7/5 rating from Trustpilot and A+ from A.M. Best, proving its high customer satisfaction and fast claims response.

Cons

• Restricted Coverage Area: Only operates in 19 states, restricting customers from other states.
• Higher Rates in Las Vegas: The average city rate in Las Vegas is $368, but the average for American families is $533.

#6 – Hartford: Best for Accident Forgiveness

Pros

• Accident Forgiveness Policy: This policy ensures stability in premiums for the first accident after a clean driving record for five years, preventing premium increases.
• AARP Exclusive: A 10% discount for AARP members enhances affordability. Check how to become an AARP member on the Hartford auto insurance review.
• Extensive Coverage: Offers several add-ons like disappearing deductibles over time.

Cons

• Strict Eligibility: Accident forgiveness requires a clean driving record for five consecutive years and one accident every five years, unless the premium still increases.
• Expensive Rates: Compared to other companies, Hartford’s base premiums are higher.

#7 – Progressive: Best for Snapshot Savings

Pros

• Snapshot Telematics Program: Personalized premiums offer discounts on instant sign-up and 30% on safe driving habits.
• Stable Provider: Third largest auto insurer with approximately 18 million drivers and an A+ rating from A.M. Best for its financial strength.
• Broad Policies and Add-Ons: Provides rideshare, custom parts coverage, pet injury, and more. Check all the add-ons in the Progressive auto insurance review.

Cons

• Stress from Monitoring: Some drivers reported an increase in stress because of the constant tracking of driving habits.
• Increase in Premiums: Monitored hard braking or late-night driving leads to higher premiums on the Snapshot Program.

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#8 – Travelers: Best for Flexible Coverage

Pros

• Comprehensive Plans: These offer the standard and add-ons like PIP, medical payments, and extended transportation expenses. You can read more about this in Travelers’ auto insurance review.
• Diverse Discounts: An 8% savings on good students, a 5% homeowners discount, electric vehicles, and 30% on IntelliDrive.
• Prompt Claims Response: A recent report reported that Travellers processed 97% of auto claims in just 30 days.

Cons

• Policy Variations: Travelers’ auto insurance policies, coverage, and discounts vary across the states.
• Limited Rideshare Perks: Unlike Allstate and Progressive, there is no dedicated plan for rideshare policy.

#9 – State Farm: Best for Extensive Coverage

Pros

• Savings Opportunity: Many discounts are offered, including safe driving, bundling, good students, and more. Check the State Farm insurance review here for more options.
•  Extensive Coverage Offers: These offers include standard plans and additional policies for rental cars, travel expenses, and underinsured motorists.
• Superior Customer and Economic Stability: Its high customer satisfaction rating of 4.3/5 and A.M. Best’s A++ rating prove its superiority.

Cons

• Digital Lapse: Although the mobile app is functional, it is not as advanced as its competitors.
• Coverage Restrictions: State Farm does not offer the gap insurance that most insurers provide.

#10 – Liberty Mutual: Best for Bundling Discounts

Pros

• Diverse Bundling Combinations: Bundling policies are based on the customers’ needs, such as those of auto and home, renters, or condos, to answer their needs.
• Simplified Management: Liberty Mutual insurance review provides a single point of contact for smooth communication, reducing administrative tasks.
• Maximized Availability: Unlike other policies that have regional limitations, the bundling options are available in most states in the U.S.

Cons

• Savings Difference: The bundling amount differs according to coverage, location, and individual profiles.
• Claims Processing Issue: Some policyholders report delays in response to their claims affecting good customer experience.

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Best Auto Insurance Monthly Rates in Las Vegas, NV by Coverage Level

The coverage level of insurance differs in rates. The minimum coverage is cheaper but covers only a portion, depending on your policy. That is why evaluating what is covered in the policy is important, as it plays a big role in Las Vegas, Nevada’s monthly auto insurance rates.  In the table below, let’s find more Las Vegas, NV, auto insurance rates.

Auto Insurance Monthly Rates in Las Vegas, NV by Provider & Coverage Level

Securing and tailoring the best auto insurance in Las Vegas, NV, to your needs prepares you for unpredictable road events. Make sure to weigh things wisely to protect yourself.

Read more: Auto Insurance Coverage: What events are and are not covered by your policy?

Top Providers and Discounts for the Best Las Vegas, NV Auto Insurance

Finding the best auto insurance in Las Vegas, NV, is one thing; getting discounts to lower your monthly rates is another. There are many ways for you to save on your monthly insurance bill. Here are the options you can choose from.

Auto Insurance Discounts From the Top Providers in Las Vegas, NV

The table above lists more than one discount for each provider, which means you can also get multiple car insurance discounts on your premiums if you qualify for their conditions. A wonderful offer awaits you when you purchase auto insurance plans in Las Vegas, NV. Start saving money while being protected.

Cheapest Auto Insurance Rates by Company

Here is a table showing the average monthly auto insurance premiums from five Las Vegas, Nevada companies. You can find more companies than those listed in the Las Vegas Auto Insurance Rates by Company table.

Auto Insurance Average Monthly Premiums in Las Vegas, NV by Provider

When determining insurance prices, auto insurance providers consider numerous aspects, such as marital status, ZIP code, credit score/rating, miles driven yearly, and theft protection devices. Keep in mind that premiums can vary from business to business. Search for low-cost car insurance in Las Vegas online to verify you’re still paying the most affordable cost.

While you may not be able to change some of the factors that affect the auto insurance quotes in Las Vegas, NV., you are provided with certain adjustments to ensure a better price. Look for more options here for cheap auto insurance from $40 per month.

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Best Car Insurance in Las Vegas, NV

Farmers offers the best auto insurance in Las Vegas, Nevada, with starting monthly rates of only $78. Other contenders include Allstate, Nationwide, and Geico.

Las Vegas has its own minimum automobile liability coverage requirement of 15/30/10. This covers only the damage you caused to others and not your own damage to your body or auto.

In addition, Las Vegas is well known throughout the country and the globe as the “Entertainment Capital of the World.” The local economy highly depends on tourism, bringing in thousands of yearly visitors for legalized gambling, spectacular shows, and entertaining nightlife. Over the past thirty years, Las Vegas has also improved in the finance, business, and transportation industries.

Fun Fact: Count your poker chips! Because Las Vegas is #1 on the list of “Top 101 ZIP codes with the most casinos in 2005”. And continue to dominates in U.S. gambling establihments with 146 casino business in 2023. Learn more about Las Vegas.

So, if you are looking for cheap auto insurance in Las Vegas, NV, you’ve come to the right place. Autoinsuranceez.com ensures you get the best and affordable auto insurance in Las Vegas, NV, auto insurance you deserve. Get free online auto insurance quotes in Nevada here by entering your ZIP code.

Las Vegas, NV Minimum Auto Insurance Coverage Requirements

To drive in Nevada, you must have a Nevada license. Driving legally in Las Vegas also requires the coverage amounts shown in this table.

Auto Insurance Requirements in Las Vegas, NV

Remember that bodily injury liability insurance only pays on claims when the incident under consideration was something you triggered or are found responsible for. You’ll be financially accountable for your automobile for almost any other situation. Your loan provider may need additional coverage beyond legal minimums if you are financing your automobile.

The table below will discuss more state requirements in Las Vegas, NV.

Las Vegas, NV DMV Summary

Therefore, acknowledging and understanding these state requirements is a helpful step to avoid violations, accidents, and riding safely on the road.

Major Factors Influencing Las Vegas, NV Auto Insurance Rates

Auto insurance companies in Nevada do not determine premiums based on a single element; many factors are used to evaluate the policyholder’s monthly rates. Some factors they consider are your ZIP code, age, marital status, driving history, and credit score. By understanding the factors that affect car insurance premiums, you will make informed decisions when purchasing the desired coverage for you and your car’s security.

Your ZIP code

Typically, auto insurance costs less in non-urban regions, mainly because fewer vehicles entail a smaller likelihood that you’ll get into a wreck with another vehicle. The next table will show Las Vegas auto insurance rates by ZIP code.

Auto Insurance in Las Vegas, NV by ZIP Code

The good thing is that their monthly rates differ by just a few dollars. Yes, your home’s location has something to do with your auto insurance monthly rates, as it is one of the factors that insurance companies consider.

Your Commute Rates

Commutes in Vegas can be lengthy, with the average drive lasting between 20 and 31 minutes. Fewer than three-quarters of drivers choose to take their own car alone, while anywhere from six to eighteen percent will likely carpool. Around three percent additionally take the bus.

Some insurance companies will look at the number of miles you drive or even your purpose for driving. These factors may cause a two—to three-percent improvement in monthly rates. Business automobiles, however, could be charged 10 percent higher rates, if not more.

Read more: Telecommuting Auto Insurance

Your Credit Score and History

Though it may not appear fair to some, your credit score affects car insurance premiums. The higher your score, the lower your rates will be, and vice versa. Motorists with a bad credit score may be billed double or more than drivers with an “Excellent” credit rating.

The following Las Vegas Car Insurance Premiums by Credit Score table details various insurers’ rates for “good,” “fair,” and “poor” credit.

Auto Insurance Monthly Rates in Las Vegas, NV by Provider & Credit Score

As you can see, monthly rates vary depending on whether you have a good or bad credit score. Maintain a good credit score to receive lower monthly premiums from these top insurers.

Your Age

Due to their lack of experience, young drivers are considerably more prone to accidents. So, how does an auto insurance company determine premiums? This is why some auto insurance companies in Nevada charge them two to three times more than someone with multiple decades of driving experience.

Let’s examine the auto insurance quotes in North Las Vegas, which compare rates for males and females of different age groups.

Auto Insurance Monthly Rates in Las Vegas, NV by Age

Generally, males pay more than females. Younger drivers have significantly higher premiums than adults because they have less driving experience and usually engage in risky driving behaviors.

Your Driving Record

Your driving record is another primary factor in getting cheap car insurance in Las Vegas, Nevada. Let’s examine a table comparing Las Vegas car insurance costs by incident history.

Auto Insurance Monthly Rates Las Vegas, NV by Provider & Driving Record

The vehicle you drive will affect your rates as well. Some motorists, especially those who drive an older or less costly vehicle, can pull off getting the minimum insurance policy. So before you decide to buy a luxury vehicle on your own, consider how it will include an enormous monthly insurance bill. After all, you would not insure an extravagant vehicle with Liability only, right?

Auto Insurance Monthly Rates in Las Vegas, NV by Vehicle & Coverage Level

Notably, the 2024 Honda Passport has the highest monthly rates among the new makes and models, with a minimum coverage rate of $140 and full coverage rates of $285.

Read more: How Traffic Violations Increase Car Insurance Rates

Your Marital Status

Your marital status can also affect auto insurance in Las Vegas, Nevada. Being a single driver versus a married one does not get you any significant discount rates either way. However, spouses can bundle their car insurance in Las Vegas, Nevada, to reduce their payments.

It should be noted that this might require either individual to change to the same insurance carrier. Married people can avail of discounts by combining car insurance after marriage, saving more than single individuals can.

Your Education

Education can be a factor as well. About 85.8% of Las Vegas residents aged 25 and older have completed all requirements for a high school diploma. Insurance companies have started rewarding motorists who take their education to the next level with attractive discounts. You could benefit from these savings if you have an advanced degree or are considering getting one.

While most people might not think of Las Vegas as a college town, there are several institutions of higher learning to choose from. The University of Nevada campus at Las Vegas educates 31,094 students in 2023 and awards 25,794 bachelor’s and 5,300 graduate-level degrees. There are also three different Community College of Southern Nevada campuses for a fast-track degree.

Determining individual financial risk can be very hard or unattainable for the common insurance consumer.

Insurance agencies possess an advantage over shoppers because of their statistics and experiential understanding. With some research, you can discover what auto insurance companies in Nevada don’t want you to know.

Read more: How to Save Money in College: 10 Key Ways College Students Can Save

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Vehicle Theft in Las Vegas, NV

Acquiring the cheapest car insurance in Las Vegas, NV, can be challenging if you are vulnerable to auto theft. Certain trendy automobiles or truck models are alluring to thieves, as are motor vehicles often parked in big urban centers.

The total number of vehicles stolen in Las Vegas was 11,000 in 2023, according to the Las Vegas Metropolitan Police Department, which has significantly risen from 7,600 theft cases in 2022. If you don’t have comprehensive collision auto insurance coverage on your policy, you might have to replace your stolen vehicle with 100% of your own money.

Let’s compare Basic and Comprehensive automobile policy rates to see how much Vegas insurance costs.

Auto Coverage Rates by Top Insurance Companies in Las Vegas, NV (Basic vs. Comprehensive)

As you can see, Liberty Mutual is very much on the high end for comprehensive coverage at $240 per payment.

Fatal Accidents in Las Vegas, NV

Many things could occur on the road, events that could cause fatal crashes and loss of lives. Your auto insurance rates in Las Vegas, NV, will climb if the number of serious accidents in your ZIP code also begins to climb. In the chart below, you will see collision statistics for Las Vegas.

Fatal Accidents in Las Vegas, NV

There were quite a number of people involved in fatal crashes. If these numbers concern you, talk to your insurance agent about Safe Driver discounts or the cheapest car to insure in Las Vegas.

Read more: 6 Events in History that Caused Fatal Crash Drops [Coronavirus Included]

Finding the Best Las Vegas, NV Auto Insurance: Tips to Get the Most Affordable Premium Coverage

Finding the best auto insurance companies in Las Vegas requires equipping yourself with enough knowledge of varying rates, coverage types, and policies. Moreover, you need to check the significant factors that could influence your premium rates. Some auto insurance rates in Nevada may be out of your budget, so you should explore ways to lower it through different savings options.

Farmers, Allstate, and Nationwide offer Nevada’s most affordable car insurance. These companies are known for their superb service quality, unique coverage, and discount options.

In some instances where auto insurance rates in Nevada are beyond affordability, you can make life-changing decisions in order to get insured. But what matters is what you think is best for you.

 

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