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Best Car Insurance Companies in Las Vegas, NV

Aug. 15, 2019, 8:17 p.m.

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.

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#1
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Insuramatch

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(844) 332-2089
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Progressive
Progressive
Features
  • Comprehensive coverage
  • Name your price tool
  • Car, motorcycle, boat, RV insurance
  • Available in Las Vegas
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(844) 332-2089
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#2
Liberty Mutual
Liberty Mutual
Features
  • Bundle & save policies
  • Deductible savings fund
  • Discount for online purchase
  • Available in Las Vegas
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#3
The General
The General
Features
  • Accepts drivers with a poor driving history
  • Low monthly rates
  • BBB rating: A+
  • Available in Las Vegas
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#4
AMS Insurance
AMS Insurance
Features
  • A-rated insurance companies
  • Policies tailored to your needs
  • Fully licensed brokerage
  • Discounts to lower premiums
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Location
9960 W. Cheyenne Ave., Ste. 240
Las Vegas, NV 89129
(702) 965-3680
#5
All Kinds of Insurance
All Kinds of Insurance
Features
  • Locally owned and operated
  • Many carrier options
  • Quick and professional claims-handling
  • Full-service agency
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Location
5532 S. Fort Apache Rd., Ste. 100
Las Vegas, NV 89148
(702) 534-4697
Invest America Insurance
Invest America Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • lasvegasbestinsurance.com
Location
6190 W. Charleston Blvd.
Las Vegas, NV 89146
(702) 685-3888
Express Auto Insurance
Express Auto Insurance
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 3pm
  • Closed Sun
  • goexpressautoinsurance.com
Location
1211 E. Sahara Ave.
Las Vegas, NV 89104
(702) 907-0000
Superior Insurance
Superior Insurance
Features
  • M-F: 9:30am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • superiornv.com
Location
2511 E. Stewart Ave.
Las Vegas, NV 89101
(702) 721-7575
A Abana Auto Insurance
A Abana Auto Insurance
Features
  • M-F: 9:30am - 6pm
  • Sat: 9am - 5pm
  • Closed Sun
  • a-abana.com/our-locations/las-vegas-nevada-auto-insurance
Location
3909 W. Sahara Ave., Ste. 4
Las Vegas, NV 89102
(702) 876-0072

How to choose a car insurance company in Las Vegas

Las Vegas Skyline

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

Minimum amount Coverage
$25,000 For bodily injury per person
$50,000 For bodily injury per accident
$20,000 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

Area Full (100/300/100) Liability only (50/100/50) Liability only (state minimum)
Summerlin (89144) $2,237 $1,021 $812
Rhodes Ranch (89113) $2,411 $1,151 $913
Sunrise Manor (89142) $1,166 $1,151 $919
Silverado Ranch (89123) $2,228 $1,023 $828
Henderson (89012) $2,091 $948 $757
Downtown (89101) $2,705 $1,248 $982

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.

*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.

Progressive

Progressive

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(844) 332-2089

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.

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Liberty Mutual

Liberty Mutual

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(844) 332-2089

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.

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The General

The General

CALL INSURAMATCH FOR QUOTES*

(844) 332-2089

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.

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AMS Insurance

AMS Insurance

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

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.