Car insurance offers financial protection in the event of a vehicle-related incident, like a collision, theft or other type of loss. It’s also legally required by the State of Nevada, with new minimum coverages established July 1, 2018. Drivers have two ways to purchase car insurance: directly from a provider or from a broker, also called an agency. To help you get coverage that’s right for your vehicle and budget, our partners at ConsumerAffairs researched the best car insurance in Las Vegas.
Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KTNV may receive compensation from our partners. Learn more.
How to choose a car insurance company in Las Vegas
Before July 2018, Nevada had the second-lowest minimum car insurance requirements in the country. In a change that took effect July 1, 2018, drivers are now required to carry higher amounts of liability insurance, which protects you if you are at fault for an accident and pays for injuries to others and damages to their property.
Nevada’s change in law makes it less likely that drivers will have to pay for others’ medical bills and car repairs out of pocket. The new minimum coverages, commonly referred to as “25/50/20” break down like this:
New Nevada auto insurance requirements: 25/50/20
For bodily injury per person
For bodily injury per accident
For property damage
One-third of drivers in Nevada carry the minimum 25/50/20 coverage. A larger number choose to purchase more insurance, both by adding to liability coverage amounts and by purchasing other types of coverage:
A collision policy covers damage to your vehicle resulting from a collision, no matter who is at fault.
A comprehensive policy covers theft or other damage to your vehicle due to causes other than a collision, like vandalism, falling objects or fire.
An uninsured or underinsured motorist policy covers medical costs for you and passengers in the vehicle if you are injured in an accident caused by another driver who does not have coverage or does not have enough coverage to pay.
A medical payments policy covers medical costs for you and passengers in the vehicle if you are injured, regardless of who is at fault. This coverage also pays for injuries if you are a pedestrian hit by a vehicle.
How much does car insurance cost in Las Vegas?
Car insurance premiums depend on a variety of factors, including driving record, history of claims, age and gender, credit and the type of vehicle. The deductible, or the amount of money owed out of pocket before coverage kicks in, also affects the cost of auto insurance in Las Vegas. Deductibles apply just to collision and comprehensive coverage.
Another variable is the neighborhood where you live. If you live in a primarily residential area like MacDonald Ranch in Henderson, you can expect to pay less for car insurance than someone who lives downtown.
Average car insurance annual premiums in Las Vegas neighborhoods
Liability only (50/100/50)
Liability only (state minimum)
Rhodes Ranch (89113)
Sunrise Manor (89142)
Silverado Ranch (89123)
Note: Quotes are calculated for a 40-year-old male driver.
Regardless of what area of Las Vegas you call home, there are affordable options. Get quotes from independent agents and direct insurance writers, and be sure to ask about the many types of discounts that are available. Insurance companies offer drivers savings for bundling policies, being a homeowner, having an accident-free driving history, purchasing online and more.
Progressive is one of the largest auto insurance companies in the U.S., covering over 18 million drivers. Customers can choose from many different policies and get access to multiple discounts, including for safe driving and bundled policies. The Snapshot personalized rate and Name Your Price Tool are also popular. Reviewers, many of whom have been with Progressive for years, report satisfaction with the speedy claims process.
Liberty Mutual helps people across the U.S. with all kinds of insurance needs, including auto coverage. All policies come with a 12-month rate guarantee, 24/7 customer service and a lifetime repair guarantee. Liberty Mutual also helps contribute toward deductibles with the Liberty Mutual Deductible Fund. Local reviewers praised the company’s customer service team, saying they are knowledgeable and happy to answer questions about policies to help save money.
The General has been covering drivers throughout the U.S. for over 50 years. Most types of cars and drivers, including those with a history of violations or accidents or less-than-perfect credit, are accepted. Policyholders are offered low down payments and convenient monthly payment options. Reviewers say getting an online quote is easy, and they appreciate the easy-to-understand policy coverages.
AMS Insurance is a licensed insurance broker that serves western U.S states, including Nevada. It offers auto insurance from A-rated companies and superior customer service that helps you find coverage that meets your needs and budget. AMS Insurance is well reviewed online by Las Vegans, who say staff went out of their way to help them get the best deal.
All Kinds of Insurance
All Kinds of Insurance is a locally-owned and -operated independent, full-service insurance agency. Customers have choices from many different carriers and get prompt claims service. Reviewers love the company’s dedicated staff, saying they worked quickly and thoroughly to put together options of policies that are within budget.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.