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Las Vegas, the entertainment capital of the U.S., is open 24/7 for good food, exciting shows, and a few wagers if you’re feeling lucky. That being said, there are a lot of people out on the roads, creating potential traffic problems and accidents, so finding the best Las Vegas car insurance is important if you're a resident. Whether you’re a resident or a tourist, you should know what the traffic laws are there and what’s required in terms of auto insurance, so we’ve compiled some important information for you to help keep you safe.
At-a-Glance: Auto Insurance in Las Vegas, Nevada
- $1,570 for men
- $1,680 for women
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $20,000 in property damage (25/50/20)
Other types of insurance you can buy in Las Vegas include:
- Collision: Covers the cost of collision damage regardless of who’s at fault.
- Comprehensive: Covers the cost of theft or damage for reasons other than collisions such as theft, vandalism, or a natural disaster.
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Nevada Auto Insurance Laws
The State of Nevada requires drivers to carry at least the minimum motor vehicle liability insurance. Here’s a breakdown of what’s required.
Drivers must carry a minimum of 25/50/20 in insurance coverage, which breaks down to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage. Other insurance tips worth noting include:
- If you move to Nevada, out-of-state insurance will not be accepted. You must switch your carrier to a Nevada policy.
- Evidence of insurance can be presented in card form or electronic form displayed on a mobile device.
- If you drop the liability insurance on any vehicle for any reason, you must cancel the registration and surrender the license plate.
If you’re caught driving in Nevada without insurance, you could face fines ranging from $250 to $1,000 as well as license reinstatement fees from $250 to $750. If you’re stopped three or more times with no insurance, you’ll be labeled a habitual offender and could lose your license for a substantial period of time depending on what the court decides.
Auto Insurance Rates by Vehicle
The type of vehicle you drive may impact auto insurance in Last Vegas. Insurance companies collect data on which makes and models of vehicles are involved in accidents and thefts and use this information when setting insurance rates.
You might think fancy sports cars are the most stolen, but in fact, they are not. According to the National Insurance Crime Bureau, the top three most stolen cars in the US include Honda Accords, Honda Civics and Ford Pickup trucks.
If you’re looking into how to lower your car insurance, it pays to do some research before you purchase a car to make sure it’s not a target for car thieves.
Auto Insurance Rates by Insurance Credit Score
Your insurance credit score plays a key role in how much you’ll pay for insurance. Drivers with higher credit scores will pay lower insurance rates. California, Massachusetts, and Hawaii are the only states that do not use insurance credit score as a factor in setting insurance rates, however, many states are considering passing legislation to follow suit.
The takeaway? If you raise your insurance credit score, you’ll pay less in car insurance. Check out these comparisons below.
| Credit Score | Cheapest Provider | Rate for State Minimum Coverage |
|---|---|---|
| Poor 300-579 | Nationwide | $4,107 |
| Fair 580-669 | USAA | $2,648 |
| Good 670-739 | USAA | $2,167 |
| Excellent 740+ | Country Preferred Insurance Company | $1,644 |
Insurance for Drivers With a Clean Record
In addition to the make and model of the car you drive, as well as your credit score, your driving record plays a major factor when insurance companies determine your rates. If you have an exceptional driving record with no tickets or accidents, you will be rewarded with the best possible insurance rates and discounts, so being a good driver pays off.
Here are some sample insurance rates for good drivers in Las Vegas:
| Insurance Agency | State Minimum Insurance | Standard Coverage | Full Coverage |
|---|---|---|---|
| USAA | $1,721 | $2,037 | $2,449 |
| Progressive | $1,519 | $1,905 | $2,764 |
| Nationwide | $1,399 | $1,475 | $1,758 |
| GEICO | $2,255 | $2,571 | $3,161 |
| Allstate | $2,661 | $3,458 | $3,996 |
Insurance Rates with Driving Infractions
If you’re a driver with a less than perfect driving record, expect to pay more for car insurance. Driving infractions such as speeding violations, drunk driving arrests, as well as traffic accidents are all considered by insurance agencies when they determine your rates.
Non-moving violations such as parking tickets or citations for broken tail lights won’t likely impact your rates. Here are a few insurance rate comparisons for drivers with infractions:
| Insurance Agency | At Fault Accident | Speed Violation | DUI |
|---|---|---|---|
| USAA | $2,949 | $2,644 | $4,343 |
| Nationwide | $3,588 | $3,050 | $4,479 |
| GEICO | $4,084 | $3,106 | $4,933 |
| Travelers | $5,716 | $4,614 | $7,277 |
| State Farm | $6,327 | $5,796 | $5,796 |
Best Auto Insurance Providers Las Vegas, NV
Cost is not the only factor when considering auto insurance rates, however, it is important to most people. Another consideration is customer service. An insurance company that provides excellent customer service will be ranked high in customer satisfaction surveys.
When people are involved in auto accidents or have their car stolen, they want to know their insurance company will respond immediately and handle the claim effectively. We considered cost, customer satisfaction, and other factors in determining our list of best insurance companies:
- Pay-per-mile insurance from an established company
1. Best Overall: Allstate
According to the J.D. Power 2018 Auto Insurance Study, Allstate received the highest customer ratings in the Las Vegas, Nevada area, so it’s our number one pick.
Allstate offers an accident forgiveness program that protects drivers from having their rates increased following an accident, as well as a bonus check for safe drivers.
Allstate was also chosen for Benzinga's picks for one of the best high-risk auto insurance companies and the best sports car insurance companies.
- Discounts
2. Cheapest Auto Insurance in Las Vegas: Nationwide
Is the best option if you want cheap car insurance in Las Vegas, Nevada, we recommend Nationwide. They’re cheaper for people with good driving records.
They also offer reasonable rates if you have less than perfect credit or your driving record isn’t spotless.
Like Allstate, Nationwide offers an accident forgiveness program, as well as discounted rates for safe drivers and good students.
Based on our research and findings, Nationwide is the best choice if your driving record isn’t great. You’ll pay between $500-$2,000 less than other competitors.
Drivers with infractions can have peace of mind that they are covered by one of the largest auto insurance companies in the U.S in case of an accident.
While you will pay a higher premium for a few years, Nationwide will monitor your driving record and update your premium when you are eligible for a lower rate.
- Active military members
3. Best for Military Personnel: USAA
USAA is offered exclusively to military members and their families, and their rates are very reasonable.
If you fall into this category, USAA is your best bet.
USAA also offers special discounts on home and life insurance, banking services, and credit cards. USAA has a strong financial backing and is consistently regarded for the service it provides its members.
- Infrequent drivers
4. Best for Safe Drivers: Root
Root is a unique new car insurance provider that offers policies based on your driving habits. You’ll install an app on your phone that monitors your speed, how often you make sudden turns and stops and mileage.
Then, the app creates a custom quote for you based on how well you drive.
Root doesn’t offer policies to everyone — the company avoids reckless drivers and those who have a long history of driving infractions so the company can keep premiums low. You may be able to save more when you switch to Root.
Drive Safe in Las Vegas
It’s easy to get distracted in Las Vegas amidst all the hustle and bustle. By focusing on staying safe, you’ll keep your driving record clean and won’t have to worry about paying sky-high insurance rates.
Want to learn more about finding affordable insurance? Check out Benzinga's guides to finding the best cheap health insurance, the best travel trailer insurance and the best home appliance insurance.