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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: Brian Caissie/Getty Images February 21, 2022 June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Whether you’re looking for the best — or cheapest — car insurance in Las Vegas, knowing a bit about car insurance rates in the area can be a helpful baseline. The average cost of car insurance in Las Vegas is $2,929 per year for full coverage, while minimum coverage comes in around $1,221 per year. Both are significantly higher than the national , which costs $1,674 for full coverage and $565 for minimum coverage. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More While it can be tempting to opt for minimum coverage to save money, most insurance agents caution against this as it may not be enough to cover an at-fault accident. Instead, shopping around and requesting quotes from multiple carriers might reveal that you can find full coverage car insurance without breaking the bank. The cheapest car insurance company in Las Vegas is Geico, according to Bankrate’s 2021 study of quoted annual premiums based on data from Quadrant Information Services. Read on for our full breakdown of the best car insurance companies in Las Vegas. Best cheap car insurance companies in Las Vegas
The two cheapest car insurance companies on our list in Las Vegas are Geico and USAA. On average, is around $2,245 per year for full coverage car insurance, while minimum coverage is $860 per year. When looking for the , Las Vegas drivers consider more than just price. Each company’s policy offerings and discount opportunities are just as important. On top of this, a company’s financial strength rating, customer service satisfaction and even mobile app and web accessibility are important factors as well. At Bankrate, we analyzed companies based on each of these categories to find the best and . The higher a company scored in each section, the higher their overall Bankrate Score for a maximum score of 5 out of 5. Insurance company Bankrate Score Average annual premium for full coverage 4.7 829/1,000 $1,332 5.0 863/1,000* $1,822 4.4 835/1,000 $1,962 4.4 Not available $2,022 4.7 847/1,000 $2,267 *USAA is not eligible for official ranking due to eligibility requirements. Geico
Geico offers some of the cheapest rates for car insurance in Las Vegas on our list for both minimum and full coverage car insurance. Drivers can save even more if they qualify for its long list of car insurance discounts, especially if they belong in an affinity group or hold a certain profession. However, Geico scored the lowest in J.D. Power’s Auto Insurance Study for the Southwest region, indicating that its customer satisfaction for categories such as its claims and interactions was low. Learn more: USAA
has always received a high score from J.D. Power, even though it can’t be ranked due to limitations on who it sells policies to. It also has an A++ rating from for financial strength. The company is known for having exceptional customer service, great prices and good coverage options. However, USAA exclusively sells car insurance to and their qualifying families. But if you’re eligible, it might be worth checking out. Learn more: Progressive
Progressive’s Name Your Price tool puts the cost of insurance in its customers’ hands to help build a car insurance policy centered around their budget. From there, drivers can add other optional coverages, like a deductible savings bank that reduces the collision and comprehensive deductible by $50 for every claim-free policy period (subject to policy terms) and even rideshare coverage. If you prefer a local agent, Progressive works with some independent agencies in the Las Vegas area, though it seems not all offer personal auto insurance. Learn more: Nationwide
In addition to its affordable car insurance rates, Nationwide has a variety of coverage options, including some unique add-on policies. Drivers can get gap insurance, accident forgiveness, a total loss deductible waiver and more. In terms of customer satisfaction, Nationwide did not rank in J.D. Power’s Southwest regional Auto Insurance Study and ranked below average in the rating agency’s nationwide Auto Claims Satisfaction study for claims handling. Learn more: State Farm
State Farm tied as one of the best auto insurance companies overall in our annual for its excellent customer service and competitive premiums. The company also provides many opportunities for discount savings, including two safe driver rewards programs based on . If you drive a new vehicle and are looking for , however, keep in mind that State Farm does not offer this as an option. Learn more: How to get and keep the cheapest car insurance in Las Vegas
Looking for cheap car insurance companies in Las Vegas might take some time, but there some tips you can use to find the most competitive rates: Shop around with carriers: The best way to be sure you are finding the most affordable rates is to request quotes from multiple insurance companies. Be sure that all coverage selections are identical (or as close as possible) to be certain that you can compare the quoted premiums accurately. Maintain a clean driving record: Insurance providers are keen to insure drivers with clean driving records, a sign that they maintain safe driving habits. It’s the easiest way to keep the Good Driver discount that most companies offer, which can provide significant savings on your car insurance premium. Frequently asked questions
What is the best car insurance company
The best car insurance in Las Vegas depends on what you value most in your car insurance company. Are you looking for a long list of discounts or unique coverage options that can’t be found with any other carrier? Do you need in-person service with a knowledgeable local agent who can build a comprehensive insurance plan for all of your assets? Or would you prefer a self-service model through a mobile app or online web portal to manage your policies? Knowing what’s most important to you can help you find the best car insurance company in Las Vegas. How much car insurance do I need in Las Vegas
Figuring out the is the first step in buying car insurance, and the answer is different for everyone. While carrying at least the may help you find , this is only liability coverage and intended to protect the other party in an at-fault accident. This means that you would be responsible for your own damages and medical bills, if any, as well as any costs the other party incurred beyond the liability limits of your car insurance. For this reason, many drivers choose to have higher liability limits than state requirements and carry additional coverage. This could include collision and comprehensive coverage, medical payments and other add-on options like towing and roadside assistance, rental car coverage and more to protect themselves and their vehicle. When building out your insurance policy, some factors to consider could be your financial situation, budget, vehicles and risk-level, as well as any unique coverage opportunities your car insurance company might offer. You might want to speak with a licensed insurance agent to determine how much coverage is right for you. How can I lower my car insurance rates in Las Vegas
Taking advantage of car insurance discounts can be a good way to find the cheapest car insurance in Las Vegas. Consider if you can qualify for a multiple policy discount by at the same carrier, or completing a driver safety course if there is a young driver in the policy. If you want to be rewarded directly for safe driving, consider if your car insurance company offers a that tracks your driving habits and may provide extra discounts and rewards based on how well you drive. How can I get car insurance online
Most car insurance companies now allow customers to quote a policy online through their websites. From there, you may be able to upload any supporting documentation, make a payment and activate the policy. In other cases, it may direct you to a company representative or licensed agent who will review the information and make sure it’s all correct before binding. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Bankrate Score
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. SHARE: June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Related Articles