Cheapest Car Insurance in North Las Vegas, Nev. (2023)

We recommend State Farm, USAA, Geico, Travelers and Progressive as the best car insurance options in North Las Vegas. These companies have rates that are lower than both the minimum- and full-coverage averages in the city. Additionally, all of them are well-regarded for their strong customer service and high-quality insurance coverage.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in North Las Vegas is $146 per month or $1,756 per year. This is about 182% more than the U.S. average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $304 per month or $3,649 per year on average, which is about 82% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in North Las Vegas

State Farm offers the cheapest liability insurance with average rates of $62 per month or $743 per year. USAA is the second-cheapest option in North Las Vegas with average rates of $63 per month or $753 per year.

Liability coverage is the minimum coverage required by the state of Nevada. According to Nevada law, all drivers must either meet or exceed the following minimum insurance requirements:

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

While uninsured motorist coverage isn’t required in Nevada, many insurance agents recommend it as a way to stay safe on the road. Roadside assistance isn’t mandatory in Nevada either, though some motorists still purchase it for convenience.

Cheapest Full-Coverage Car Insurance in North Las Vegas

A full-coverage car insurance policy can be pricey in North Las Vegas. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damages due to car accidents, severe weather and instances of theft or vandalism. State Farm is the cheapest full-coverage option with average rates of $150 per month or $1,801 per year.

Since many factors affect how much you’ll pay for car insurance coverage, a company that’s cheap for one person may be pricey for another. In this part, we’ll talk about how much car insurance costs for people of different ages, credit scores and driving histories. Since North Las Vegas has areas with different car insurance costs, we’ll look at those too.

An easy way to save on the cost of car insurance in North Las Vegas is by comparing prices from insurance agencies throughout Las Vegas and Henderson. Bundling auto coverage with life insurance, renters insurance and home insurance if you’re a homeowner could help, too.

Also consider reaching out for car insurance discounts. You may find savings opportunities if you’re a student, own a new car or have a clean driving record.

North Las Vegas Car Insurance Cost by Age

Car insurance costs the most for teenagers because they’re more prone to breaking traffic rules and ending up in car accidents. Our data shows that 16-year-olds pay about $686 per month or $8,234 per year for car insurance in North Las Vegas.

As drivers move into their 20s, the cost of auto insurance starts to rapidly decline. Below are the average minimum-coverage car insurance costs in North Las Vegas for different age groups.

Cheapest Car Insurance in North Las Vegas: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more reasonable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $260 per month or $3,116 per year. USAA, State Farm and Travelers also offer affordable car insurance premiums for North Las Vegas teens.

North Las Vegas Car Insurance Cost by Credit Score

Car insurance companies in Nevada and most other states can consider your credit score when setting premiums. If you have a low credit score, you’ll likely pay more for car insurance, while those with higher credit scores may get charged less.

Cheapest Car Insurance in North Las Vegas: Poor Credit

Our rate data shows that Geico is the cheapest option for car insurance with bad credit in North Las Vegas. The company offers minimum-coverage policies to drivers with poor credit for rates of $106 per month or $1,275 per year. This is 27% less than the overall state average for minimum coverage with good credit.

North Las Vegas Car Insurance Cost by Driving Record

People who’ve received speeding tickets, been in accidents or gotten convicted of DUIs can anticipate higher car insurance rates. On average, speeding can increase your rates by 22%, an at-fault accident by 46%, and a DUI by 83%.

Though each company has a different average price increase, State Farm is likely the best option if you have violations on your driving record. The table below shows average rates by company for North Las Vegas drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in North Las Vegas: Speeding Ticket

Now, let’s dig into the details of car insurance rates for high-risk drivers. According to our data, State Farm offers the cheapest auto insurance for those with a speeding ticket on their records — $68 per month or $810 per year. USAA follows with an average monthly rate of $74, while Travelers, Geico and Progressive round out the top five options for cheap speeding ticket car insurance in North Las Vegas.

Cheapest Car Insurance in North Las Vegas: At-Fault Accident

If you’re found responsible for a car accident, it’ll have a greater impact on your insurance rates compared to getting a speeding ticket. State Farm and USAA are the cheapest options here with average rates of about $74 per month and $87 per month, respectively.

Cheapest Car Insurance in North Las Vegas: DUI

Getting a DUI is a major offense that could make your car insurance rates in North Las Vegas go up by hundreds of dollars per year. State Farm is very cheap compared to other companies, offering average rates of $68 per month or $810 per year for drivers with a DUI. Travelers, USAA and Progressive are also good options with rates under $163 per month on average.

North Las Vegas Car Insurance Cost by ZIP Code

Insurance costs can differ depending on where you live in the city due to varying rates of claims. Below, you’ll see that certain ZIP codes in North Las Vegas can be up to 3.7% cheaper or more expensive than the citywide average.

While auto coverage in North Las Vegas is 53% higher than Nevada car insurance and 182% above the national average, there are still affordable providers. State Farm offers the cheapest rates for minimum and full coverage in the city, with prices of $62 and $150 each month.

Compare free quotes to find the company that meets your Nevada car insurance needs at the best rate. You can compare insurance products and get auto insurance quotes either online or from agents.

Here are some frequently asked questions about the cheapest auto insurance in North Las Vegas, Nev.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.