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Last updated: November 12, 2025Best Cheap Car Insurance in Las Vegas
State Farm, USAA, CSAA (AAA), Travelers, and GEICO are our top picks in Las Vegas.
Best for Local Agents
Editor's Rating:
4.9/5
4.9/5Best for Military and Veterans
Editor's Rating:5/5
5/5Best for Customer Satisfaction
Editor's Rating:4.5/5
4.5/5Key Takeaways
- The average cost of full coverage auto insurance in Las Vegas is $3,810 per year, while minimum coverage costs an average of $1,697 per year — both higher than the Nevada state averages.
- Travelers, GEICO, and USAA offer the cheapest average rates in Las Vegas, while USAA and State Farm have some of the highest customer service ratings.
- The rates listed here are citywide averages, but your rate may differ based on individual factors like your driving history, age, and the make and model of your vehicle.
Our Top Picks for the Best Cheap Auto Insurance in Las Vegas
- Best for Local Agents: State Farm
- Best for Military and Veterans: USAA
- Best for Customer Satisfaction: AAA
- Cheapest for Full Coverage: Travelers
- Cheapest for Minimum Coverage: GEICO
Compare the Best Cheap Auto Insurance in Las Vegas
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Southwest Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $2,738 | $1,313 | Above average |
| USAA | $2,200 | $893 | Above average |
| CSAA (AAA) | Data unavailable | Data unavailable | Above average |
| Travelers | $2,463 | $1,147 | Below average |
| GEICO | $2,593 | $962 | Below average |
| Las Vegas | $3,810 | $1,697 | – |
Best Cheap Providers in Las Vegas
There’s no shortage of auto insurance providers in Vegas, but it can be tricky to find one that’s both affordable and offers great service. With that in mind, State Farm, USAA, CSAA (AAA), Travelers, and GEICO are our top picks for best cheap auto insurers in Vegas.
Here’s a closer look at these companies:
1. State Farm - Best for Local Agents
4.9
Editor's Rating:
- Average Rate for Minimum Coverage
- $54 mo.
- Average Rate for Full Coverage
- $169 mo.
- Many Vegas agents
- Above-average satisfaction in Southwest
- Good telematics discount
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm is one of the few companies in Las Vegas that offers below-average rates for most drivers and also has a strong customer service record. While it doesn’t have the absolute cheapest average rates, it offers various discounts to help policyholders save. It also ranked in third place and above average for the Southwest region on J.D. Power’s annual customer satisfaction survey. It earned an above-average score in the service category of J.D. Power’s Digital Experience Study, indicating that customers are satisfied with its digital tools.1
Who it’s best for
Drivers who plan to purchase full coverage (cheaper minimum coverage is available with other providers) and are willing to pay a little more for better customer service. It’s also a good option for safe drivers who want to take advantage of State Farm’s telematics discount program, Drive Safe & Save. Note that State Farm does not currently offer accident forgiveness or gap coverage.
Las Vegas pricing
| State Farm | Monthly | Annual | Difference From Las Vegas Average |
|---|---|---|---|
| Full coverage | $228 | $2,738 | -28% |
| Minimum coverage | $109 | $1,313 | -23% |
GOOD TO KNOW
Unlike many other telematics programs, State Farm’s will not increase your rate if it detects unsafe driving — you just won’t get a discount.
2. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $36 mo.
- Average Rate for Full Coverage
- $128 mo.
- Cheapest rates in Vegas
- Membership passes on to spouses and children
- Pay-per-mile option available in Nevada
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA’s insurance products and services are specifically designed to support the military community. It has the cheapest average rates for both minimum and full coverage in Las Vegas and earned the highest rating, by far, in J.D. Power’s customer satisfaction study for the Southwest region. While it does have eligibility requirements, it’s a top choice for those who qualify to become members.
Who it’s best for
Those affiliated with the military who are eligible for membership, including active duty military, veterans, and their spouses and children.
Las Vegas pricing
| USAA | Monthly | Annual | Difference From Las Vegas Average |
|---|---|---|---|
| Full coverage | $183 | $2,200 | -42% |
| Minimum coverage | $74 | $893 | -47% |
>> RELATED: Read our detailed comparison of USAA vs. State Farm.
3. AAA - Best for Customer Satisfaction
4.5
Editor's Rating:
- Average Rate for Minimum Coverage
- $90 mo.
- Average Rate for Full Coverage
- $251 mo.
- Rated #1 in Southwest by J.D. Power
- Best-in-class roadside assistance
- DMV services available at brick-and-mortar locations
- Membership required
- Pricing varies by club
Why we chose it
CSAA, an affiliate of AAA, operates in Nevada and ranked first for customer satisfaction on J.D. Power’s study for the Southwest region with a score of 676 out of 1,000. It also earned a regional grade of B on the CRASH Network Insurer Report Card. Pricing data for CSAA was not available for Las Vegas, but it’s worth getting a quote to see what rate you’re offered, as CSAA is one of the best companies in terms of customer service.
Who it’s best for
Existing AAA members, who will see the biggest discounts, and drivers who plan to purchase roadside assistance.
4. Travelers - Cheapest for Full Coverage
4.1
Editor's Rating:
- Average Rate for Minimum Coverage
- $57 mo.
- Average Rate for Full Coverage
- $153 mo.
- Cheap full coverage rates
- Non-owner insurance
- Hybrid/EV discount
- Average satisfaction scores
- Limited agent density in some regions
Why we chose it
After USAA, whose eligibility is limited to the military community, Travelers has the cheapest average rates for full coverage in Vegas. It’s also among the cheapest providers in Nevada for certain high-risk driver categories, including drivers with an at-fault accident or a DUI. It also sells non-owner insurance, and will file SR-22s.
Who it’s best for
Travelers is a good choice for drivers on a budget. It may not be the best choice for those who prioritize customer service, as it scored lower than average in the Southwest region on a recent J.D. Power study.
Las Vegas pricing
| Travelers | Monthly | Annual | Difference From Las Vegas Average |
|---|---|---|---|
| Full coverage | $205 | $2,463 | -35% |
| Minimum coverage | $96 | $1,147 | -32% |
5. GEICO - Cheapest for Minimum Coverage
4.2
Editor's Rating:
- Average Rate for Minimum Coverage
- $46 mo.
- Average Rate for Full Coverage
- $156 mo.
- Easy online quotes and purchasing
- Cheap minimum coverage rates
- Competitive rates for young drivers
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
After USAA, GEICO has the cheapest average rates in Vegas for minimum coverage. It also has some of the cheapest average rates for full coverage, trailing only behind USAA and Travelers. GEICO doesn’t rank quite as highly for customer service as the other companies on this list, but it has a wide variety of discounts for customers, including special military and federal worker discounts.
Who it’s best for
GEICO has a strong focus on its digital platforms and allows for online quotes and policy purchasing, so it’s a good option for those who prefer to conduct business online. It’s also a good choice for drivers on a budget.
Las Vegas pricing
| GEICO | Monthly | Annual | Difference From Las Vegas Average |
|---|---|---|---|
| Full coverage | $216 | $2,593 | -32% |
| Minimum coverage | $80 | $962 | -43% |
Las Vegas Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 648 | C- | 710 | 2.13 |
| USAA | 720 | D+ | 726 | 1.31 |
| CSAA (AAA) | 676 | B | 704 | 0.98 |
| Travelers | 626 | C | 684 | 1.97 |
| GEICO | 624 | C- | 692 | 1.58 |
| Average | 636 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Las Vegas
The most affordable auto insurance company in Las Vegas for full coverage is USAA, which is only available to members of the military community. It has an average annual premium of $2,200, which is 31 percent lower than the city average. For those not eligible for USAA, Travelers and GEICO also have below-average rates.
| Company | Annual Las Vegas Average | Monthly Las Vegas Average |
|---|---|---|
| USAA | $2,200 | $183 |
| Travelers | $2,463 | $205 |
| GEICO | $2,593 | $216 |
| State Farm | $2,738 | $228 |
| Progressive | $2,753 | $229 |
| American Family | $4,210 | $351 |
| Las Vegas average | $3,810 | $318 |
| Nevada average | $2,696 | $225 |
| U.S. average | $2,399 | $200 |
How Many Car Accidents Happen in Las Vegas?
In 2021, the most recent year for which there is data, there were 20,324 car accidents in Las Vegas, which accounted for about 43 percent of accidents in the state of Nevada.6 Las Vegas is the largest city in Nevada, but it still accounts for a disproportionately high number of accidents, as it represents only about 18 percent of the state’s population.
Minimum Auto Insurance Requirements in Nevada
Drivers in Nevada must have auto insurance in order to legally drive — according to Nevada state law, policies must include at least the following liability limits:
- Bodily Injury Liability: $25,000 per person/$50,000 per accident
- Property Damage Liability: $20,000 per accident
Nevada’s minimum coverage requirements are quite low and may not offer enough coverage if you’re in an accident. If you can afford to, it’s a good idea to increase your liability limits and add full coverage. You may also consider adding uninsured/underinsured motorist coverage to help pay for damage if you’re in an accident caused by an uninsured driver.
TIP
While minimum coverage provides basic protection, it’s almost always wise to increase your limits and add full coverage to cover damage to your own vehicle.
Frequently Asked Questions
The cheapest car insurance in Las Vegas is minimum coverage, which costs an average of $1,697 per year in the city. The cheapest companies for minimum coverage are USAA and GEICO, with average annual premiums of $893 and $962, respectively.
The cost of car insurance is so high in Las Vegas due to several factors, including high population density and traffic congestion, a high rate of vehicle thefts, and high repair and medical costs.
No, Nevada is not a no-fault state. It follows an at-fault system, which means that the driver who is at fault in an accident is responsible for paying for the other party’s medical costs and property damage.
To get lower car insurance rates, one of the most important things you can do is avoid violations, including tickets, accidents, and DUIs. Violations can significantly increase your rate, and each subsequent violation will raise your rate further. If you have poor credit, working to improve it can also lead to lower insurance rates. Finally, be sure to always shop around with multiple companies and ask about discounts to get the best deal.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Las Vegas, Nevada, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Citations
2025 U.S. Insurance Digital Experience Study. J.D. Power. (2025, May 14).
https://www.jdpower.com/business/press-releases/2025-us-insurance-digital‑experience‑study2025 U.S. Auto Insurance Study. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance‑studyInsurer Report Card. Crash Network. (n.d.).
https://www.crashnetwork.com/irc/2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024).
https://www.jdpower.com/business/press-releases/2024-us-auto‑claims‑satisfaction‑studyConsumer Insurance Refined Search Results. NAIC. (n.d.).
https://content.naic.org/cis_refined_results.htm2024 Las Vegas Car Accidents Statistics and Facts. NAQVI Law (Farhan Naqvi). (n.d.).
https://naqvilaw.com/las-vegas-car-accident-statistics-facts/
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