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Best Car Insurance in Las Vegas, NV

Find the best auto insurance plans in the City of Lights

Best Overall Auto Insurance
Allstate Logo 2023

With over 60 agents across the city, Allstate has a strong presence in Las Vegas. You can benefit from Allstate’s many discounts, coverage add-ons, and usage-based insurance options.1

Best Auto Insurance for High-risk Drivers
State Farm Logo

Nevada has some of the highest DUI and car theft rates in the country, which leads to higher costs for many drivers. State Farm offers SR-22 filing and affordable rates for high-risk drivers.

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Las Vegas is Nevada’s most populated city (about 640,000 residents) and the largest city in the great Mojave Desert. If you’re among the hundreds of thousands of drivers in Clark County, you’ll need car insurance to drive legally. Nevada’s average car insurance rates are $1,246 annually, which is about $200 more than the national average of $1,047. Because Las Vegas has so many tourists, higher rates of DUI, and more instances of theft than the rest of the state, you can expect to pay more for car insurance in Sin City.

However, with the right preparation and insight, you can still find affordable plans that don’t compromise on quality. That’s why we’re here. Below is everything you need to know about how to find the best auto insurance in Las Vegas based on your age, driving background, auto insurance needs, and more.

Summary of the Best Auto Insurance in Las Vegas

  1. 1.

    Best Overall Auto Insurance in Las Vegas: Allstate

  2. 2.

    Best Auto Insurance for High-Risk Drivers in Las Vegas: State Farm

  3. 3.

    Best Auto Insurance for Additional Coverage: AAA

  4. 4.

    Best Usage-Based Auto Insurance in Las Vegas: Liberty Mutual

Comparison of the Best Auto Insurance in Las Vegas

Insurance company Average annual rate Bundling discount Senior discount Safe driver discount Low-mileage discount Umbrella Insurance J.D. Power auto insurance study

(out of 1,000)2

Allstate $1,673 Yes No Yes No Yes 801 Allstate review
State Farm $1,419 Yes No Yes Yes Yes 835 State Farm review
AAA $1,903 Yes No Yes No Yes 819 AAA review
Liberty Mutual $1,637 Yes No Yes No Yes 808 Liberty Mutual review

Detailed List of the Best Auto Insurance in Las Vegas

1. Best Overall Auto Insurance in Las Vegas - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

With dozens of agents and representatives who have been in Vegas for decades, Allstate has established itself as one of the city’s largest providers. With Allstate, you get reliable coverage at an affordable rate that fits the needs of most drivers. Whether you’re a teen, new driver, homeowner, or RV owner, Allstate will probably have the tools to fulfill your insurance needs.

ProsWho It's Best For
  • pro
  • pro
  • pro
    People who want to manage their insurance via an app
  • pro
    People who want to bundle insurance
ConsWho It's Not Best For

Great for Bundling

Allstate has some great bundling options, which include the largest homeowners insurance bundling discount on our list (up to 25 percent). If you’re among the 54 percent of homeowners in Las Vegas, we highly recommend asking an agent about how much you can save by bundling home and auto insurance with Allstate.3 Not only will bundling cut down on your premium, but it can also make it easier to manage your insurance. By bundling your insurance into a single policy, you should find it easier to file a claim, ask your agent questions, review your policy, and find documents.

Here are all of Allstate’s bundling options:

  • Home and auto insurance bundle (25 percent off)
  • Renters and auto insurance bundle (ask your agent about discount amount)
  • Renters and motorcycle insurance bundle

Extensive Coverage

Allstate offers a long list of coverage options, including full coverage, car insurance add-ons, and insurance for other types of vehicles. Although Nevada requires only liability coverage (bodily injury and property damage coverage), we recommend you sign up for full coverage and tack on as many additional coverage options as you need. Here’s a list of some of Allstate’s coverage options and add-ons:

  • Liability coverage: Liability coverage is required in most states and includes bodily injury and property damage coverage. Bodily injury covers the cost of when someone else is injured in an accident and you are responsible for the accident. Property damage, similar to bodily injury, covers the costs of repairs for the other driver’s vehicle/property when you are at fault.
  • Collision: Collision insurance covers your vehicle when it’s damaged in an accident, regardless of who is at fault.
  • Comprehensive: Comprehensive coverage, also known as “other-than-collision” coverage, offers protection from damages or losses not involving an accident with another driver, such as theft, roadkill, vandalism, and natural disasters.
  • Uninsured/underinsured motorist coverage: If you get into an accident with someone who has low limits or no insurance and they’re at fault, uninsured motorist coverage will help pay for your losses. Ten percent of Nevada’s drivers on the road are uninsured, so we definitely recommend adding uninsured motorist coverage to your plan if you can afford it.4
  • Mexico coverage: If you plan on traveling to Mexico, Allstate has partnerships with providers south of the border to insure you on your trip.
  • Personal injury protection (PIP): Personal injury protection will help cover your medical expenses and lost wages for you and your passengers if you get into an accident.
  • Roadside assistance: Roadside assistance starts at $8 per month, providing you with 24/7 roadside assistance for towing, lockouts, jump-starts, and refueling.
  • Personal umbrella policy: Umbrella insurance provides you with additional coverage in situations where your other insurance can’t cover all the costs. Think of it as an extra layer of protection if you get into an unusually costly or severe accident.
  • Rental reimbursement: If you need a rental car after a covered accident, Allstate will help pay for your costs.

Did You Know?

While we recommend adding as much coverage as you need and can afford, you need only the following limits to drive legally in Las Vegas: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 in property damage per accident.5

Seamless Mobile App

Allstate offers a simple, sleek, and user-friendly app that’s easy to navigate. Within minutes of creating our account, we were able to view our policy, pay bills, file claims, and access our digital IDs. On top of that, you’ll have easy access to other features, like roadside assistance and Allstate’s safe driving tool, Drivewise.

The app has a rating of 3.9 out of 5 on Google Play and a 4.8 rating on the App Store.

2. Best Auto Insurance for High-Risk Drivers in Las Vegas - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm is a great option for high-risk drivers because of its low rates, willingness to file an SR-22, and availability to high-risk drivers. Some providers may discontinue your existing coverage or deny coverage if you don’t have a good enough driving record. With State Farm, you can get the quality coverage you need, even if you don’t have the best driving history.

ProsWho It's Best For
  • pro
    High-risk drivers
  • pro
    Rideshare drivers
  • pro
    Owners of classic cars
  • pro
    People who want to insure multiple vehicles with State Farm
ConsWho It's Not Best For
  • con
    Federal employees
  • con
    Military members

High-Risk Auto Insurance

With the allure of the Las Vegas Strip, a long list of touring music stars, and several professional sports teams, it’s no wonder Vegas is one of the most-visited cities in the world. However, with a high level of tourism and never-ending nightlife, Las Vegas also boasts some of the highest DUI, motor vehicle theft, and car accident rates in the country. If you have bad credit, one or more DUIs, several citations, or a history of claims, you should consider State Farm for high-risk insurance.

Here are a few stats comparing Las Vegas to the rest of the state.

High-risk category Las Vegas Nevada
Motor-theft rate 407 per 100,000 persons 335 per 100,000 persons
Fatal impaired driving crashes 388 609
Fatal crashes 970 1,477
Speeding-related traffic fatalities 329 5126


If you cause a death or serious injury while under the influence, you can face up to 20 years in prison and a fine of up to $5,000.7

Sizable Savings

One way you can save with a poor driving record is to take advantage of State Farm’s saving opportunities. State Farm offers several car insurance discounts for a variety of drivers. Be sure to ask your agent about the following discounts:

  • If you take a state-approved defensive driving course, you can save 5 percent on your car insurance.
  • Drivers who bundle auto insurance with homeowners, renters, condo, or life insurance may be eligible for a discount.
  • If you insure multiple vehicles with State Farm, you could be eligible for a discount.
  • Students with a GPA of 3.0 or higher may qualify for a discount.
  • Drivers who maintain an accident-free record may be eligible for a discount.
  • If you install vehicle safety equipment, you could be eligible for a discount.

Drive Safe and Save

Complete State Farm’s Drive Safe and Save, and you can earn up to 30 percent off your car insurance. Drive Safe & Save is a safety tracking program. Download the Drive Safe & Save app, and State Farm will automatically track your driving habits, including what times of day you drive, how often you drive, how much you speed, braking habits, and other key metrics that indicate safe (or unsafe) driving habits. Drivers who exhibit safe driving habits will earn a discount on their premium. Just be aware that poor driving habits can lead to an increase in your premium.

3. Best Auto Insurance for Additional Coverage - AAA

What We Like Most:

  • Roadside assistance available
  • Bundling can save you money
  • Low rates for good driving records

If you’re a driver in Las Vegas, you’ve probably heard of AAA’s membership, which offers roadside assistance, travel discounts, and other perks like vacation planning assistance. But did you know it also offers quality car insurance? AAA offers competitive rates, quality service, and, with the backing of the AAA automobile club, an extensive list of additional coverage.

ProsWho It's Best For
  • pro
    People who want to bundle insurance
  • pro
    Student drivers
  • pro
    People who want roadside assistance and other add-ons
  • pro
    People who want gap insurance
ConsWho It's Not Best For
  • con
    People looking for the cheapest rates
  • con
    People with a DUI

AAA Coverage Options

AAA is known for its roadside assistance, but it offers much more add-ons, bundling options, and car insurance features. Here are a few of AAA’s additional coverage options you can integrate into your plan:

  • Personal injury protection (PIP): This works similarly to Allstate’s PIP plan, which helps pay for injuries you or your passengers incur during an accident (regardless of fault).
  • Uninsured/underinsured motorist coverage: Uninsured motorist coverage will help pay for repairs if you’re in a hit-and-run accident or an uninsured motorist causes damage to your vehicle.
  • Accidental death and dismemberment: If you or a passenger are killed or dismembered in an accident, this optional coverage will pay benefits up to your policy’s limits.
  • New-car replacement coverage: New-car replacement coverage pays for a new car of the same make and model if your car is less than three years old and damaged in a covered claim that isn’t fire or theft.
  • Gap Insurance: Gap insurance will help cover the gap for any outstanding payments on a financed or leased car if your car is totaled.
  • Custom equipment cost: If you’ve added custom equipment or additional furnishings to your vehicle, custom equipment cost will ensure those parts are covered in a claim.

Excellent Roadside Assistance

AAA is known for its roadside assistance for a reason. AAA was the first service to introduce roadside assistance back in 1915, and it still provides quality roadside assistance to customers all over the country. AAA car insurance is available only to AAA members, so you will automatically get some level of roadside assistance if you choose AAA as your auto insurance provider. Here are a few services that come with most AAA roadside assistance plans:

  • 24/7 towing services
  • Locksmith and vehicle lockout services
  • Emergency fuel delivery
  • Mobile battery service and jumpstart
  • Flat-tire service
  • Minor mechanical first aid
  • Extrication/winching service
  • Rental benefits, like discounts and towing
  • RV/motorcycle roadside assistance

Pro Tip:

You can request AAA roadside assistance wherever you are, including if you’re driving a rental car.

Other Great Perks and Benefits

AAA members can also benefit from a long list of membership perks, such as discounts, DMV services, and travel services. If you need to plan your next vacation, register your vehicle at the DMV, rent a vehicle, or buy a new vehicle, you can access the following services and databases to help you in your efforts:

  • DMV transactions from local AAA branches
  • AAA’s full-service travel agency to plan your next trip
  • A personal notary service
  • Passport photo service
  • Exclusive AAA maps to help you find the best car rentals, hotels, and travel recommendations while you’re overseas
  • Free Hertz Gold membership with enrollment
  • 24-hour travel assistance
  • Access to AAA’s car-buying service
  • Vehicle history reports to learn more about a car you’re considering purchasing
  • Vehicle pricing report services
  • A vehicle inspection program to find any mechanical-related issues
  • Access to AAA-approved repair facilities
4. Best Usage-Based Auto Insurance in Las Vegas - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

One of the best ways to bring your costs down in Vegas is to apply for usage-based insurance. Providers will track your driving habits and calculate your premium based on your results. Liberty Mutual’s Right Track program is easy to use and offers big savings for drivers with safe driving habits. Read on to learn more about how you can save more and become a better driver with Liberty Mutual’s Right Track.

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
  • pro
    Young drivers
  • pro
    People with a new car
ConsWho It's Not Best For

Safe Driver Program

Liberty Mutual offers an easy-to-use and high-yielding discount opportunity through its safety driver program, Right Track. You get 10 percent off your car insurance just by signing up for the program, and you can earn an additional 30 percent off if you exhibit safe driving habits. Right Track will track things like what time of day you drive, how hard you brake, whether you’re on your phone, and how rapidly you accelerate. The safer you drive, the more you save.

Here’s how it works:

  1. Talk to your agent about enrolling in the Right Track program.
  2. Download the Liberty Mutual app after enrolling in the program.
  3. Register to Right Track via the mobile app after you’ve received your activation email.
  4. Drive for 90 days, allowing the app to collect your driving data and track your progress.
  5. After 90 days, Liberty Mutual will confirm your score and apply the changes to your premium either upon completion of the program or at your next renewal.

Remember that poor driving habits may lead to premium increases, so be sure to talk to your agent about the associated risks of signing up for the program.

Excellent Benefits for Teachers

If you’re one of Las Vegas’s 18,000 teachers, you can take advantage of Liberty Mutual’s many teacher benefits.8 Liberty Mutual offers customized car insurance for teachers through the following coverage options:

  • Vandalism loss protection: You won’t have to pay a deductible if your vehicle is vandalized on school property or during school events.
  • Personal property coverage: You get up to $2,500 (per occurrence) in covered losses if your materials or school property is stolen/damaged in your vehicle.
  • Collision coverage: You won’t pay a deductible if your car is damaged in a collision while you’re driving it on school business.

Easy-to-Use Mobile App Features

Outside of the Right Track program, the Liberty Mutual car insurance app has several useful features for drivers. The app is full of interactive tools that make managing your insurance or learning about potential plans much easier. Here are a few things you can do with Liberty Mutual’s mobile app:

  • Access your digital ID cards
  • Track and file claims
  • Talk to a customer service representative via chat
  • Request roadside assistance
  • Add drivers to your policy
  • Pay your bills
  • Use the Am I Covered? tool to check if you’re covered in a specific situation
  • Use the Coverage Customizer Tool to learn how your coverage would hold up during claims or what discounts you might qualify for in your next renewal phase


  • Aggregate data: We’ve spent the past two decades helping millions of customers connect with the best providers, plans, agents, and car insurance deals in Las Vegas and around the U.S. Our data provides us with insights into which providers and which plans best suit specific drivers, allowing us to make informed guides and recommendations for our readers.
  • Public information: Public databases, nonprofit highway traffic organizations, and state/federal sources offer some of the most reliable information on driving statistics, crash stats, insurance costs, uninsured motorists rates, and more. We look at these public studies to provide you with key driving and auto insurance insights in Las Vegas and around the state of Nevada.
  • Expert guidance: is backed by Paul Ford, president of insurance at Centerfield. Paul’s decades of work in the industry, with tenures at Capital One Insurance, Canadian Access, InsLogic, Bankrate, and NetQuote, give us expert guidance and insider knowledge into the auto insurance world. Paul provides us with the additional support we need to develop guides, informative articles, and relevant information that can benefit our readers.


What is the fault law in Las Vegas?

Under state law, Nevada is an at-fault state. This means that the person who is responsible for causing an accident must pay for the other party’s injuries or property damage.

Nevada enforces a modified comparative negligence fault system, which means that victims in an accident may recoup money in an accident even if they were partially at fault.

What happens if I get a DUI in Las Vegas?

Las Vegas and Nevada take DUIs very seriously. Here are what the offenses look like if you have a DUI in Vegas.

  • First offense DUI:
    • $400 to $1,000 fine
    • Mandatory DUI school
    • 90-day license revocation
    • Two to six months of jail time or 96 hours of community service
    • Possible substance abuse program
  • Second offense DUI (within seven years):
    • $750 to $1,000 fine
    • One-year license revocation
    • Jail sentence/house arrest (10 days to 6 months)
    • 100 to 200 hours of community service
    • Possible car registration suspension
    • Possible substance abuse program
  • Third offense DUI (within seven years):
    • $2,000 to $5,000 fine
    • Three-year license revocation
    • One to six years in prison
    • Possible car registration suspension

Which provider offers the cheapest auto insurance in Las Vegas?

The cheapest providers in Las Vegas include GEICO, USAA, and State Farm.

Can my teen drive in Las Vegas at night?

Teens cannot drive on the Las Vegas Strip or downtown after 9 p.m. unless they’re accompanied by an adult.


  1. Allstate Insurance Agents in Las Vegas, NV. Allstate. (2023).

  2. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  3. QuickFacts – Nevada; Las Vegas City, Nevada. United States Census. (2022, Jul 1).,lasvegascitynevada/PST045222

  4. One in Eight Drivers Uninsured: $13 Billion Spent in 2016 to Protect Against Uninsured and Underinsured Drivers. Insurance Research Council. (2021, Mar 22).

  5. Insurance. Nevada DMV. (2023).

  6. Nevada Traffic Safety Crash Facts. Nevada Department of Public Safety. (2021, Apr).

  7. Driving Under the Influence in Nevada. Research Division Legislative Counsel Bureau. (2020, Jan).

  8. Licensed Personnel. Clark County School District. (2023).