Find Car Insurance in Las Vegas, Nevada

What You Should Know About Car Insurance in Las Vegas, NV

Las Vegas is synonymous with entertainment. The 4.2-mile stretch known as The Strip, located just outside of city limits, is jam-packed with some of the world’s largest casino-hotels, including the MGM Grand and the Sands, both of which are Fortune 500 companies. Las Vegas proper also has its share of casino-hotels and venues.

In addition to the NCAA Division I UNLV Rebels, the Las Vegas Raiders (NFL), Golden Knights (NHL), and Aces (WNBA) play in town, with Oakland’s Athletics (MLB) slated to move to town in 2028. The city’s humble beginnings as an early-1900s railroad town are hardly recognizable amid the flashing lights, action, and on-street and indoor entertainment.

Thanks to the city’s casinos, endless business conventions, expos, international airport, and attractions, “The Entertainment Capital of the World” hosts over 40 million visitors yearly. The sheer strength of the city’s leisure, hospitality, tourism, and gaming sectors serves as a backbone for many other industries, providing a healthy job market for locals and the surrounding municipalities.

There is so much to do and see in this city, so talk to an expert agent to obtain the best auto insurance at the best prices in Nevada, hop in your car, and get ready for endless entertainment for you and your family.

How Much Does Car Insurance Cost in Las Vegas, Nevada?

Car insurance in Nevada is known to be on the high end. The state average for full coverage runs about $2,779 yearly, and a minimum liability policy is around $973. These are significantly higher than the national average of $2,014 and $622 for these policies. But do not let these numbers discourage you. Under many circumstances, your agent can help you attain a more affordable rate.

Why Is Insurance So Expensive in Nevada?

Urban areas often have statistics, such as high accident and crime rates, that lead to expensive car insurance premiums. Nevada is very sparsely populated — it is the seventh-largest state in the U.S., with a population of approximately 3.2 million. Although this would point to lower premiums, the issue is that most of the state’s residents — approximately 2.3 million — live in the Las Vegas Metro Area, which is predominantly urban and accounts for only a small fraction of the state’s total area.

The result is that if you look at the state as a whole, rates are high because the fact that most of Nevada’s residents live in urban areas brings up the average. However, if you look at the less dense areas, you will find rates well below the national average. For example, a minimum liability policy in rural Elko costs about $39 per month, and full coverage is approximately $132. Those same policies in urban Las Vegas will cost $87 and $254, respectively. So, insurance in Nevada is not necessarily expensive — it just depends on where in the state you live.

Affordable Car Insurance Rates Comparison by Cities in Las Vegas

The following table further illustrates the wide range of premium costs in Nevada, depending on your city:

City	Full Coverage Insurance	Liability Insurance Coverage
Las Vegas	$254	$87
Elko	$132	$39
Henderson	$188	$66
Mesquite	$161	$53
Reno	$143	$46

How Bundling Your Car and Homeowners Insurance Can Save You Money in Las Vegas

If you live in Las Vegas, you can bundle your home and auto insurance, which simply means getting both policies from the same insurer, to battle the high cost of coverage in the area. Carriers appreciate it when you obtain more than one policy through them, so they will likely give you a discount between 5% and 25% on both your homeowners insurance and car insurance if you bundle with them.

Many people like to bundle simply for the ease of only having to contend with one insurance company when they pay their bills and sign up for various policies. If you choose to bundle, it will not require you to do any extra research. Your InsureOne agent will work hard to compare rates and bundling discounts and will deliver a package with the best coverage at the best prices.

What Types of Car Insurance Discounts Are Available in Las Vegas?

The discounts do not stop with bundling. Every insurer offers different ways to lower your insurance premiums, but these are the more common discounts:

• Anti-theft discount
• Premium up-front discount
• Military discount
• Safety feature discount
• High-deductible discount

Notable Car Insurance Laws in Las Vegas

Nevada has several laws that will impact the amount you pay for coverage. Below are some of the state’s insurance laws that pertain to Las Vegas as well:

What Are the Mandatory Car Insurance Requirements in Las Vegas?

Anyone who wants to drive a car in Nevada must be covered by an insurance policy. The state requires this to make sure that if someone causes an accident, they have the means to pay for the resulting damages. Therefore, you must have these minimum levels of coverage before driving in the state:

• $25,000 liability coverage for bodily injury per person
• $50,000 liability coverage for bodily injury per accident
• $20,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Las Vegas?

Drivers who do not have coverage present a major problem. When they cause an accident, the victim will have to use their own funds to repair their vehicles. Since this is unfair to other drivers, the state of Nevada imposes the following punishments on uninsured motorists the first time they are caught:

• A fine of $250 to $1,000
• A $250 reinstatement fee
• A requirement to file an SR-22 if still uninsured after 90 days
• Possible suspension of registration

If you are caught driving uninsured a second time within five years, the minimum fine amount increases to $500, and the reinstatement fee also increases to $500. The penalties for third-time offenders are:

• A fine of $500 to $1,000
• $750 reinstatement fee
• An automatic requirement to file an SR-22
• Possible suspension of registration
• Minimum 30-day license suspension

What Factors Go into My Car Insurance Cost in Las Vegas?

Nevada does not allow insurers to use credit scores or credit history to influence your rates, but the government allows the following factors to play a role in how much you pay for coverage:

• Occupation
• Education level
• Age
• Gender
• Years of driving experience

Typical Driving Conditions in Las Vegas

The thought of driving in Vegas seems scary to anyone who may have heard of the constant, heavy congestion on The Strip, which can delay your trip most times of the day. But unless you are actually going to The Strip, which is outside of city limits, you can take bypass roads like the I-15, Paradise Road, and Frank Sinatra Drive to avoid the major traffic. Otherwise, Las Vegas has decent driving conditions, especially for a city this size, as Las Vegas is accustomed to dealing with Raiders games, massive business expos, and other major events.

How Many Car Accidents Happen in Las Vegas Per Year?

There were 389 car-accident-related fatalities in Nevada in 2023. More than 10% of those occurred in Las Vegas. Here are fatality statistics for some other cities in the state.

City	Total Fatalities
Las Vegas	42
Elko	1
Henderson	4
Mesquite	1
Reno	18

How Many Uninsured/Underinsured Motorists Are in Las Vegas?

The issue of uninsured/underinsured motorists is more rampant than people realize. The Insurance Information Institute reports that 11.1% of Nevada drivers did not have a policy in 2023. Your agent can help you determine the affordability of adding coverage for uninsured and underinsured motorists to ensure you do not pay out of pocket for your own damages if one of these drivers crashes into your vehicle.