Best Car Insurance 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.

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.

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

• Coverage level
• Age
• Gender
• Marital status
• Credit score
• Driving history

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.

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.