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Best Car Insurance in Las Vegas, NV

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by Sandi Pope ConsumerAffairs Research Team

Auto insurance in Las Vegas is mandatory, but going beyond minimum coverage provides additional financial protection as you deal with the city’s traffic, construction and tourists. Keep reading to find our picks for the best car insurance in Las Vegas.

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Top 12 Las Vegas Car Insurance Companies

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Driving in Las Vegas, NV

You’re legally required to have car insurance in Las Vegas, but several factors make purchasing policies with additional coverage a good idea. Many Las Vegas drivers feel safer knowing they have more than the legal minimum of financial protection in case of an accident.

  • Crashes in Las Vegas: There are more than 20,000 car crashes in Las Vegas each year, with the majority of automobile accidents occurring on Interstate 15. Comprehensive car insurance policies provide Las Vegas residents with personal injury protection, collision protection, liability coverage, medical coverage, roadside assistance and rental car reimbursement if they get into a serious accident.
  • Road conditions in Las Vegas: Because Las Vegas attracts more than 40 million visitors each year, there are always drivers here who are unfamiliar with the city. These tourists often drive erratically and create traffic jams, making everyone on the road less safe. Frequent construction also causes poor road conditions. Because of these persistent issues, residents of Las Vegas benefit from having a policy with comprehensive coverage.
  • Vehicle theft in Las Vegas: Each day, around 25 cars are reported stolen in Las Vegas. Areas like Sunrise Manor, Paradise and Bracken have higher-than-usual vehicle theft rates. If you live in one of these areas, you should have a car insurance policy that covers the full value of your vehicle after a theft. Though people living in safer neighborhoods, like Arden, are less susceptible to crime, car insurance that covers the full replacement value of your car is still a good idea.

Average Las Vegas car insurance quotes

Annual premiums for car insurance in Las Vegas range from $850 to $2,000.

The table below demonstrates the cost of car insurance for a 30-year-old woman depending on where she lives in Las Vegas. The neighborhood or ZIP code where someone lives affects the price of their car insurance policy based on the number of stolen vehicles, fraudulent injury claims and vandalism reports in the area.

ComprehensiveLiabilityState minimum
Summerlin - 89128$1,444$1,034$900
Buffalo - 89117$1,546$1,036$902
Huntridge - 89104$1,718$1,692$974
Sunrise Manor - 89122$1,566$1,036$898
Arden - 89118$1,588$1,058$918
Paradise - 89132$1,448$976$852

Other factors that influence the annual cost of car insurance in Las Vegas are:

Discounts are usually available for customers who have excellent driving records, use anti-theft devices or bundle their car insurance with other policies. Students, military members and veterans are also often eligible for discounts.

What is the minimum auto insurance coverage in Nevada?

In Nevada, drivers must carry a 25/50/20 auto liability insurance policy at the minimum. A 25/50/20 policy includes coverage for $25,000 for bodily injury or death in any single accident, $50,000 for bodily injury or death of two or more people in any single accident and $20,000 for damage or destruction of property in any single accident.

Uninsured drivers put everyone on the road at risk. Around 10% of Las Vegas residents who drive don’t have car insurance. Uninsured drivers cause insurance rates to rise, and insured drivers who didn't purchase uninsured motorist coverage might be forced to cover the costs of an accident out of their own pockets if they’re hit by a driver without insurance.

Las Vegas car insurance alternatives

Drivers who have caused an accident while driving uninsured or have been convicted of a DUI or DWI can apply for SR-22 certification, which provides minimum liability insurance coverage for high-risk drivers in Las Vegas.

Alternatively, high-risk drivers who have been turned down by insurance providers can contact the Western Association Automobile Insurance Plan to be connected with an insurance company that can help them receive coverage.

Vegas auto insurance FAQ

Why is car insurance so expensive in Nevada?
Because of the increasing frequency of accidents and car thefts in Las Vegas, drivers here pay significantly more for car insurance policies than people in neighboring states. Additionally, many DUI- and DWI-related accidents happen near the Las Vegas Strip, and these accidents cause premiums to spike.
How do I find SR-22 insurance in Las Vegas?
Most car insurance companies in Las Vegas offer SR-22 insurance, which is also known as a Certificate of Financial Responsibility. SR-22 certification helps high-risk drivers reinstate or maintain their driving privileges after certain traffic offenses, including DUIs, DWIs, receiving too many tickets or causing an accident while uninsured.
Is Nevada a no-fault state for accidents?
No, Nevada is an at-fault state, which means the person determined to be at fault for an accident is responsible for any resulting damages or injuries. Anyone involved that was not at fault can bring a claim against the party responsible for causing the wreck.

Not sure how to choose?

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    Las Vegas car insurance company information

    Invest America Insurance

    Invest America Insurance offers auto, motorcycle and RV insurance. Customers choose from a variety of coverage options, and the company gives discounts to qualifying customers. New customers can request a quote on the company’s website.

    • Address: 6190 W. Charleston Blvd., Las Vegas, NV 89146
    • Phone: (702) 685-3888
    • Hours: M - F: 9am - 5:30pm
    • Website: lasvegasbestinsurance.com
    AMS Insurance

    AMS Insurance is a broker that connects customers with car insurance providers to get them policies that match their budgets. Its licensed agents provide customers with a list of coverage options based on their specific needs.

    • Address: 9960 W. Cheyenne Ave., Ste. 240, Las Vegas, NV 89129
    • Phone: (702) 965-3680
    • Hours: M - F: 9am - 5pm
    • Website: amsinsurance.com
    Universal Insurance Agency Las Vegas

    Universal Insurance Agency partners with 10 major insurance carriers to provide affordable policies. It offers options for rental reimbursement and roadside assistance, as well. The company gives discounts for bundled policies.

    • Address: 871 North Nellis Blvd., Ste. 2, Las Vegas, NV 89110
    • Phone: (702) 838-5141
    • Hours: M - F: 9am - 5pm; Sat: 10am - 2pm
    • Website: universalinsurancelv.com
    Affordable Insurance of Las Vegas

    Affordable Insurance provides auto, motorcycle and RV insurance to  Las Vegas residents. The company offers policies for every budget, including options that range from Nevada’s minimum liability to comprehensive coverage. Customers can take advantage of the company’s convenient services, including night and weekend appointments and online bill pay.

    • Address: 25 N. Nellis Blvd., Las Vegas, NV 89110
    • Phone: (702) 437-0076
    • Hours: M - F: 9am - 6pm; Sat: 10am - 5pm
    • Website: affordableinsurancelv.com
    Express Auto Insurance

    Express Auto Insurance is an award-winning auto insurance company with nine locations across Nevada. It sells auto, motorcycle and commercial vehicle policies. New drivers, customers with poor credit and residents who need SR-22 certificates all qualify for coverage through Express Auto. The company lets customers request quotes or make payments online.

    • Address: 4500 E. Bonanza Road, Ste. G, Las Vegas, NV 89110
    • Phone: (702) 907-0000
    • Hours: M - F: 9am - 6pm; Sat: 9am - 3pm
    • Website: goexpressautoinsurance.com
    Primero Insurance Company

    At Primero Insurance Company, customers with a history of accidents, tickets or DUIs can become policyholders, even if they need SR-22 certification. The company partners with multiple major insurance carriers to offer coverage options and discounts for bundling policies. Customers can file claims and make payments on its website or mobile app.

    • Address: 2640 S. Jones Blvd., Las Vegas, NV 89146
    • Phone: (800) 925-8185
    • Hours: M - F: 9am - 5pm
    • Website: primeroinsurance.com
    Las Vegas Auto Insurance

    Las Vegas Auto Insurance sells car, motorcycle and RV insurance policies with multiple coverage options. Customers can make payments, file claims, manage vehicles and add or remove drivers directly on the company’s website.

    • Address: 1953 N. Decatur Blvd., Las Vegas, NV 89108
    • Phone: (702) 570-5777
    • Hours: M - F: 9:30am - 6pm; Sat: 10am - 2pm
    • Website: nevadaautoins.com
    360 Insurance Car Insurance

    360 Insurance is an independent insurance agency that works with national carriers, including AARP and Progressive. The company sources and writes a variety of personal and commercial policies, including auto, RV and SR-22 insurance. It also employs bilingual agents for Spanish-speaking customers.

    • Address: 6628 Sky Pointe Drive, Ste. 119, Las Vegas, NV 89131
    • Phone: (702) 251-4000
    • Hours: M - F: 8:30am - 5:30pm; Sat: 10am - 2pm
    • Website: 360insurance.com
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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