Best Cheap Car Insurance in Las Vegas, Nevada

• 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.

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.

USAA also offers the cheapest minimum coverage rates in Las Vegas at $893 per year on average — that’s 47 percent lower than the citywide average. For non-military drivers, GEICO and Progressive have the most affordable minimum coverage rates at $962 per year and $1,010 per year, respectively.

There’s no shortage of auto insurance providers in Las Vegas, but it can be tricky to find one that’s both affordable and offers great service. With that in mind, State Farm and USAA are our top two picks for best cheap auto insurers in Vegas.

Here’s a closer look at these companies:

State Farm

• 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 fifth 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 may be willing to pay a little more for better customer service and don’t mind purchasing through an agent. 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.

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.⁵ 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.

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.

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: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible

We assess customer satisfaction and claims practices through third-party sources such as J.D. Power, CRASH Network, and the National Association of Insurance Commissioners (NAIC).