Key Takeaways
- State Farm has the cheapest car insurance for most North Las Vegas drivers, including those with clean driving records and those with prior incidents.
- Car insurance rates in North Las Vegas are 10% higher than the state average.
- A speeding ticket raises the average price of auto insurance in North Las Vegas by 24%. A DUI bumps rates by 60%.
In this article
Cheapest car insurance companies in North Las Vegas
- Cheapest overall: State Farm
- Consistently low rates: Progressive
- Best deal for military families: USAA
State Farm’s rates are considerably lower than citywide averages for most driver profiles. For example, State Farm’s full-coverage rates for a typical adult with a clean driving record is less than half the citywide average.
Although Progressive is not as cheap as State Farm, Progressive’s rates are considerably lower than the citywide average for most drivers. This makes it a good company to contact for a quote when you shop.
USAA, which is only available to current and former members of the military and their families, has the cheapest rates in North Las Vegas for teen drivers. USAA’s rates for most other driver profiles are competitive with State Farm.
Since auto insurance rates vary by customer, it’s best to compare quotes from multiple companies when you shop.
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Minimum car insurance requirements in North Las Vegas
Nevada state law requires motorists in North Las Vegas and elsewhere in the state to carry car insurance with the following liability limits:
| Coverage | Minimum limit required | What it covers |
|---|---|---|
| Bodily injury liability | $25,000 per accident/$50,000 per person | Injuries you cause to other people in a car accident |
| Property damage liability | $20,000 | Damage you cause to other people’s vehicles or property |
| Source: Nevada Department of Motor Vehicles | ||
You only need to meet these minimum requirements to comply with state law, but higher limits and the following optional coverages are available for additional protection.
- Uninsured/underinsured motorist coverage: Covers injuries you and your passengers suffer in an accident caused by a driver with no insurance or not enough insurance to cover your medical bills.
- Medical payments: Covers medical treatment for injuries you and your passengers suffer in a car accident, regardless of fault.
- Collision: Pays to repair damage your car sustains in an accident with another vehicle or object, or if it overturns.
- Comprehensive: Covers your vehicle for theft or damage from non-collision causes such as fire, flood, falling objects and vandalism, as well as glass breakage.
Cheapest minimum-coverage auto insurance rates in North Las Vegas: State Farm
State Farm offers the cheapest minimum-coverage car insurance in North Las Vegas, charging rates that average $75 a month.
The next-best rates are available from Progressive, $121 a month, and GEICO, $170 a month.
Minimum-coverage car insurance only covers injuries and damage you cause to others, up to the relatively low limits required by state law.
However, if an accident victim’s medical and/or car repair costs exceed your policy’s limits, you may be held personally responsible for the shortfall. Since this can put your savings or other assets at risk, it’s generally best to choose liability limits that match or exceed your net worth.
| Company | Monthly rate |
|---|---|
| State Farm | $75 |
| Progressive | $121 |
| GEICO | $153 |
| City average | $170 |
| American Family | $179 |
| Allstate | $220 |
| CSAA | $239 |
| Farmers | $243 |
| USAA* | $79 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest full-coverage car insurance in North Las Vegas: State Farm
State Farm has the cheapest full-coverage car insurance rates in North Las Vegas by a wide margin. State Farm’s rate of $120 a month is 49% lower than its next-cheapest competitor, Progressive, which charges $235 a month.
Full-coverage car insurance includes higher liability limits than a minimum-coverage policy, as well as collision and comprehensive coverage for your vehicle.
The average price of full-coverage car insurance in North Las Vegas is $273 a month. This rate is 10% higher than the state average, $248 a month.
Full-coverage insurance rates in North Las Vegas are also 69% higher than the national average of $162 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Progressive | $235 |
| American Family | $244 |
| City average | $273 |
| GEICO | $295 |
| Farmers | $340 |
| Allstate | $353 |
| CSAA | $457 |
| USAA* | $137 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance in North Las Vegas for drivers with bad credit: State Farm
In North Las Vegas, a driver with bad credit pays $448 a month for full coverage, which is 64% higher than the rate available to a driver with good credit.
When insurance companies evaluate your credit, they look at factors such as the types of credit you use and your payment history to determine your credit-based insurance score. Also, when an insurance company checks your credit, it conducts a soft pull, which does not impact your credit score.
Although State Farm has the cheapest rates for drivers with bad credit, its rates for drivers with bad credit is more than double its rate for those with good credit.
| Company | Monthly rate |
|---|---|
| State Farm | $246 |
| American Family | $351 |
| Progressive | $354 |
| GEICO | $447 |
| City average | $448 |
| Farmers | $574 |
| Allstate | $634 |
| CSAA | $676 |
| USAA* | $302 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
North Las Vegas drivers with a prior ticket, accident or other incident typically pay more for car insurance than those with a clean record.
Most incidents can affect your rates for three to five years, depending on your insurance company. However, major violations such as DUI may impact your rates for a longer period of time.
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance in North Las Vegas for drivers with a speeding ticket, $129 a month.
A speeding ticket raises the average price of car insurance in North Las Vegas by 24% to $339 a month for full coverage. However, State Farm’s rate for drivers with a speeding ticket is only 8% higher than its rate for those with a clean record.
| Company | Monthly rate |
|---|---|
| State Farm | $129 |
| American Family | $292 |
| Progressive | $327 |
| City average | $339 |
| GEICO | $372 |
| Allstate | $395 |
| Farmers | $429 |
| CSAA | $608 |
| USAA* | $160 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: State Farm
North Las Vegas drivers with a prior at-fault accident pay 58% more for car insurance than those with a clean record. The difference amounts to $430 a month.
State Farm has the cheapest car insurance for North Las Vegas drivers with a prior at-fault accident, $141 a month. This rate is well below the next-best rates: $404 a month from Progressive and $449 a month from American Family.
| Company | Monthly rate |
|---|---|
| State Farm | $141 |
| Progressive | $404 |
| City average | $430 |
| American Family | $449 |
| GEICO | $458 |
| Allstate | $506 |
| Farmers | $523 |
| CSAA | $772 |
| USAA* | $189 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
State Farm has the cheapest car insurance for drivers with a DUI, $129 a month. This is considerably lower than the next-best rate of $348 a month from Progressive.
In North Las Vegas, a DUI raises the average price of car insurance by 60% to $437 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Progressive | $348 |
| City average | $437 |
| American Family | $482 |
| Allstate | $487 |
| Farmers | $534 |
| GEICO | $581 |
| CSAA | $652 |
| USAA* | $285 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: State Farm
State Farm has the cheapest car insurance for senior drivers in North Las Vegas, charging rates that average $114 a month for full coverage. The next-cheapest rates are available from American Family, $219 a month, and GEICO, $222 a month.
If you are a senior, you can often get a discount on car insurance by completing an approved defensive driving class. It’s best to find out which classes qualify for a discount with your insurance company before you enroll in one. Some classes are offered online.
| Company | Monthly rate |
|---|---|
| State Farm | $114 |
| American Family | $219 |
| GEICO | $222 |
| Progressive | $240 |
| City average | $258 |
| Farmers | $357 |
| CSAA | $381 |
| Allstate | $398 |
| USAA* | $133 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: State Farm
State Farm offers the cheapest car insurance for teens in North Las Vegas, charging 18-year-olds $120 a month for minimum coverage and $371 a month for full coverage.
The average price of minimum coverage car insurance for an 18-year-old is $613 a month. This is more than triple the rate available to a driver in their mid-30s.
Teens have the highest crash rates among all age groups, and this is the primary reason why insurance companies charge young drivers such high rates.
However, teens pay 48% less for car insurance when added to a parent’s policy than they do when they get their own policy. Teens can also often score discounts for maintaining good grades in school and/or completing an approved driver’s education program.
| Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $120 | $371 |
| GEICO | $356 | $685 |
| City average | $269 | $1,060 |
| CSAA | $438 | $1,242 |
| American Family | $244 | $1,364 |
| Farmers | $335 | $1,421 |
| Allstate | $345 | $1,490 |
| Progressive | $198 | $1,539 |
| USAA* | $118 | $369 |
| Monthly rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers: State Farm
Many insurance companies offer lower rates to married drivers than they do to those who are single, primarily because married drivers are seen as less likely to be involved in an accident.
Although the average car insurance rate for married drivers in North Las Vegas is only 1% less than it is for single drivers, the differences vary by company. The potential savings range from 2% with Allstate up to 16% with Progressive.
State Farm has the cheapest car insurance for married drivers in Las Vegas, charging rates that average $120 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Progressive | $198 |
| American Family | $244 |
| City average | $269 |
| Farmers | $335 |
| Allstate | $345 |
| GEICO | $356 |
| CSAA | $438 |
| USAA* | $118 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
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Car insurance laws in North Las Vegas
Nevada requires proof of insurance to register a vehicle and uses an electronic monitoring system to verify the ongoing insurance status of registered vehicles.
When you purchase car insurance in North Las Vegas or switch companies, make sure your name and vehicle identification number (VIN) are printed accurately in your insurance documents. Otherwise, the state’s insurance monitoring system may not find your insurance records in its database.
If the state’s insurance verification system discovers you have canceled your car insurance without a new policy in place, it sends you a notification letter. If you are unable to provide proof of insurance within 10 days of receiving your letter, your registration may be suspended.
In addition to a suspended registration, you can also be fined for failing to maintain insurance on a registered vehicle.
Reinstating your registration requires additional fees and a potential SR-22 requirement. An SR-22 is a document your insurance company files with the DMV to certify that you have insurance.
North Las Vegas car insurance: Frequently asked questions
The average price of car insurance in North Las Vegas is $170 a month for a minimum-coverage policy and $273 a month for full coverage.
State Farm is the cheapest car insurance company in Las Vegas, charging rates that are well below the citywide average. USAA’s rates are competitive with State Farm, but USAA is only available to the military community.
Nevada law requires motorists to carry car insurance with bodily injury liability limits of at least $25,000 per person and $50,000 per accident, as well as at least $20,000 in property damage liability. Higher limits and additional coverages are available.
Methodology
The rates shown in this article are based on an analysis of more than 20,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across North Las Vegas.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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