Cheap Car Insurance in Las Vegas (September 2025)

Written by Xuyun Zeng and 1 other
Updated Sep 26, 2025
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Cheap Car Insurance in Las Vegas (September 2025)

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While you’re probably not cruising up and down the Las Vegas Strip regularly, your daily commute around the city can be littered with tourist traffic. The constant hum of the Strip, along with events at T-Mobile Arena and local convention centers, keeps locals on the road with a revolving set of visitors. Extra traffic congestion calls for robust car insurance, and we’ve rounded up a preview of rates to help you start shopping.

Here are the cheapest car insurance quotes based on age, driving record and coverage type in Las Vegas, according to real quotes that local drivers have received via Jerry.

More: Best car insurance in Nevada

Cheapest minimum coverage insurance in Las Vegas

Nevada requires drivers to have a minimum coverage of:

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per accident.
  • $20,000 for property damage per accident.

Here are the cheapest quotes for minimum coverage in Las Vegas, based on real quotes from Jerry customers.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$38 $451 Liberty Mutual 63 April 8, 2025 Las Vegas, NV 89123
$42 $508 Mendota 63 April 8, 2025 Las Vegas, NV 89123
$43 $510 Progressive 50 July 1, 2025 Las Vegas, NV 89107
$43 $513 National General 53 June 3, 2025 Las Vegas, NV 89183
$48 $578 Mendota 61 September 22, 2025 Las Vegas, NV 89147
$50 $596 Mendota 61 September 15, 2025 Las Vegas, NV 89147
$50 $596 Geico 33 August 20, 2025 Las Vegas, NV 89149
$50 $600 Progressive 55 May 9, 2025 Las Vegas, NV 89129
$50 $606 Geico 52 August 21, 2025 Las Vegas, NV 89135
$51 $608 Progressive 36 June 30, 2025 Las Vegas, NV 89118
Last Updated Sept. 25, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Cheapest car insurance in Nevada

Cheapest full coverage insurance in Las Vegas

Las Vegas is prone to flash flooding between July and September and the minimum coverage won’t help if your car is damaged by hazardous weather. Full coverage, which combines collision coverage and comprehensive insurance, provides protection from weather-related damage, as well as animal collisions and theft.

Here are quotes for full coverage policies that real drivers have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$74 $888 National General 53 June 3, 2025 Las Vegas, NV 89183
$78 $938 Progressive 67 September 9, 2025 Las Vegas, NV 89122
$81 $976 Progressive 37 September 11, 2025 Las Vegas, NV 89179
$83 $992 Progressive 37 September 10, 2025 Las Vegas, NV 89179
$90 $1,078 Progressive 53 June 3, 2025 Las Vegas, NV 89183
$92 $1,098 Mendota 66 August 3, 2025 Las Vegas, NV 89113
$92 $1,106 Liberty Mutual 63 April 8, 2025 Las Vegas, NV 89123
$94 $1,125 Geico 61 September 22, 2025 Las Vegas, NV 89147
$94 $1,128 Geico 61 September 15, 2025 Las Vegas, NV 89147
$94 $1,130 Progressive 42 August 18, 2025 Las Vegas, NV 89128
Last Updated Sept. 26, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Las Vegas (18-29 years old)

Younger drivers usually pay higher premiums than older drivers because insurers view their lack of experience as risky. That doesn't mean you can't find an affordable rate, but you may have to do extra shopping for car insurance. Here are the cheapest quotes that young drivers in Las Vegas have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$60 $720 ROOT 27 No August 19, 2025 Las Vegas, NV 89148
$63 $750 Progressive 26 No May 4, 2025 Las Vegas, NV 89183
$71 $847 Geico 25 No September 1, 2025 Las Vegas, NV 89141
$73 $870 ROOT 26 No August 20, 2025 Las Vegas, NV 89122
$73 $874 Progressive 24 No September 4, 2025 Las Vegas, NV 89139
$92 $1,098 Mendota 66 August 3, 2025 Las Vegas, NV 89113
$92 $1,106 Liberty Mutual 63 April 8, 2025 Las Vegas, NV 89123
$94 $1,125 Geico 61 September 22, 2025 Las Vegas, NV 89147
$94 $1,128 Geico 61 September 15, 2025 Las Vegas, NV 89147
$94 $1,130 Progressive 42 August 18, 2025 Las Vegas, NV 89128
Last Updated Sept. 27, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Las Vegas (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$31 $367 National General 53 No June 3, 2025 Las Vegas, NV 89183
$34 $402 Progressive 50 No July 1, 2025 Las Vegas, NV 89107
$40 $484 Progressive 33 No August 20, 2025 Las Vegas, NV 89149
$41 $486 Progressive 36 No June 30, 2025 Las Vegas, NV 89118
$44 $530 Progressive 53 No August 8, 2025 Las Vegas, NV 89139
$92 $1,098 Mendota 66 August 3, 2025 Las Vegas, NV 89113
$92 $1,106 Liberty Mutual 63 April 8, 2025 Las Vegas, NV 89123
$94 $1,125 Geico 61 September 22, 2025 Las Vegas, NV 89147
$94 $1,128 Geico 61 September 15, 2025 Las Vegas, NV 89147
$94 $1,130 Progressive 42 August 18, 2025 Las Vegas, NV 89128
Last Updated Sept. 25, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$34 $410 Liberty Mutual 63 No April 8, 2025 Las Vegas, NV 89123
$42 $508 Mendota 63 No April 8, 2025 Las Vegas, NV 89123
$43 $520 Progressive 55 No May 9, 2025 Las Vegas, NV 89129
$48 $578 Mendota 61 No September 22, 2025 Las Vegas, NV 89147
$50 $596 Mendota 61 No September 15, 2025 Las Vegas, NV 89147
$92 $1,098 Mendota 66 August 3, 2025 Las Vegas, NV 89113
$92 $1,106 Liberty Mutual 63 April 8, 2025 Las Vegas, NV 89123
$94 $1,125 Geico 61 September 22, 2025 Las Vegas, NV 89147
$94 $1,128 Geico 61 September 15, 2025 Las Vegas, NV 89147
$94 $1,130 Progressive 42 August 18, 2025 Las Vegas, NV 89128
Last Updated Sept. 24, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Las Vegas

The best car insurance prices often go to drivers with clean records. Here are the cheapest car insurance quotes that drivers with no claims or violations have received in Las Vegas, according to data from real Jerry customers.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$31 $367 National General 53 June 3, 2025 No Las Vegas, NV 89183
$34 $402 Progressive 50 July 1, 2025 No Las Vegas, NV 89107
$34 $410 Liberty Mutual 63 April 8, 2025 No Las Vegas, NV 89123
$40 $484 Progressive 33 August 20, 2025 No Las Vegas, NV 89149
$41 $486 Progressive 36 June 30, 2025 No Las Vegas, NV 89118
$42 $508 Mendota 63 April 8, 2025 No Las Vegas, NV 89123
$43 $520 Progressive 55 May 9, 2025 No Las Vegas, NV 89129
$44 $530 Progressive 53 August 8, 2025 No Las Vegas, NV 89139
$46 $554 Progressive 54 July 3, 2025 No Las Vegas, NV 89148
$48 $578 Mendota 61 September 22, 2025 No Las Vegas, NV 89147
Last Updated Sept. 26, 2025

Cheapest car insurance for drivers with low credit scores in Las Vegas

Drivers with low credit scores tend to pay more for car insurance than those with good credit. It's wise to compare quotes from multiple insurers to find the most affordable rates. Here are the cheapest quotes that real Las Vegas drivers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $70 $839 Mendota 53 January 27, 2025 Las Vegas, NV 89183
<550 $70 $839 Mendota 53 February 22, 2025 Las Vegas, NV 89183
<550 $73 $878 Progressive 53 February 22, 2025 Las Vegas, NV 89183
<550 $73 $878 Progressive 53 January 27, 2025 Las Vegas, NV 89183
<550 $74 $885 Mendota 42 March 15, 2025 Las Vegas, NV 89129
$42 $508 Mendota 63 Las Vegas, NV 89123
$43 $520 Progressive 55 Las Vegas, NV 89129
$44 $530 Progressive 53 Las Vegas, NV 89139
$46 $554 Progressive 54 Las Vegas, NV 89148
$48 $578 Mendota 61 Las Vegas, NV 89147
Last Updated Sept. 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Las Vegas

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $50 $594 Progressive 25 No October 11, 2024 Las Vegas, NV 89121
At Fault With No Injury $53 $636 National General 26 No July 26, 2024 Las Vegas, NV 89122
At Fault With No Injury $66 $786 Progressive 60 No March 28, 2025 Las Vegas, NV 89131
At Fault With No Injury $66 $792 National General 26 No April 23, 2024 Las Vegas, NV 89122
At Fault With No Injury $70 $836 Progressive 63 No August 19, 2025 Las Vegas, NV 89120
$42 $508 Mendota 63 No Las Vegas, NV 89123
$43 $520 Progressive 55 No Las Vegas, NV 89129
$44 $530 Progressive 53 No Las Vegas, NV 89139
$46 $554 Progressive 54 No Las Vegas, NV 89148
$48 $578 Mendota 61 No Las Vegas, NV 89147
Last Updated Sept. 25, 2025

Cheapest car insurance for drivers with speeding tickets in Las Vegas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $47 $568 Aspire Advantage 34 April 11, 2025 Las Vegas, NV 89123
Speeding under 15 $48 $570 Aspire Advantage 34 April 20, 2025 Las Vegas, NV 89123
Speeding under 15 $107 $1,278 Anchor General 34 April 11, 2025 Las Vegas, NV 89123
Speeding under 15 $109 $1,311 Anchor General 34 April 20, 2025 Las Vegas, NV 89123
Speeding under 15 $112 $1,345 Progressive 34 April 20, 2025 Las Vegas, NV 89123
$42 $508 Mendota 63 April 8, 2025 Las Vegas, NV 89123
$43 $520 Progressive 55 May 9, 2025 Las Vegas, NV 89129
$44 $530 Progressive 53 August 8, 2025 Las Vegas, NV 89139
$46 $554 Progressive 54 July 3, 2025 Las Vegas, NV 89148
$48 $578 Mendota 61 September 22, 2025 Las Vegas, NV 89147
Last Updated Sept. 22, 2025

Cheapest car insurance for drivers with DUIs in Las Vegas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $115 $1,385 National General 45 August 30, 2025 Las Vegas, NV 89145
DUI $140 $1,677 Mendota 45 August 30, 2025 Las Vegas, NV 89145
DUI $151 $1,810 Mendota 45 September 17, 2025 Las Vegas, NV 89145
DUI $166 $1,988 Mendota 37 September 6, 2025 Las Vegas, NV 89117
DUI $171 $2,049 National General 32 September 2, 2025 Las Vegas, NV 89121
$42 $508 Mendota 63 April 8, 2025 Las Vegas, NV 89123
$43 $520 Progressive 55 May 9, 2025 Las Vegas, NV 89129
$44 $530 Progressive 53 August 8, 2025 Las Vegas, NV 89139
$46 $554 Progressive 54 July 3, 2025 Las Vegas, NV 89148
$48 $578 Mendota 61 September 22, 2025 Las Vegas, NV 89147
Last Updated Sept. 22, 2025

More: DWI vs DUI: What's the difference?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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