Find the Best Car Insurance Companies in Las Vegas, NV

How to choose a car insurance company in Las Vegas

Before July 2018, Nevada had the second-lowest minimum car insurance requirements in the country. In a change that took effect July 1, 2018, drivers are now required to carry higher amounts of liability insurance, which protects you if you are at fault for an accident and pays for injuries to others and damages to their property.

Nevada’s change in law makes it less likely that drivers will have to pay for others’ medical bills and car repairs out of pocket. The new minimum coverages, commonly referred to as “25/50/20” break down like this:

New Nevada auto insurance requirements: 25/50/20

One-third of drivers in Nevada carry the minimum 25/50/20 coverage. A larger number choose to purchase more insurance, both by adding to liability coverage amounts and by purchasing other types of coverage:

• A collision policy covers damage to your vehicle resulting from a collision, no matter who is at fault.
• A comprehensive policy covers theft or other damage to your vehicle due to causes other than a collision, like vandalism, falling objects or fire.
• An uninsured or underinsured motorist policy covers medical costs for you and passengers in the vehicle if you are injured in an accident caused by another driver who does not have coverage or does not have enough coverage to pay.
• A medical payments policy covers medical costs for you and passengers in the vehicle if you are injured, regardless of who is at fault. This coverage also pays for injuries if you are a pedestrian hit by a vehicle.

How much does car insurance cost in Las Vegas?

Car insurance premiums depend on a variety of factors, including driving record, history of claims, age and gender, credit and the type of vehicle. The deductible, or the amount of money owed out of pocket before coverage kicks in, also affects the cost of auto insurance in Las Vegas. Deductibles apply just to collision and comprehensive coverage.

Another variable is the neighborhood where you live. If you live in a primarily residential area like MacDonald Ranch in Henderson, you can expect to pay less for car insurance than someone who lives downtown.

Average car insurance annual premiums in Las Vegas neighborhoods

Note: Quotes are calculated for a 40-year-old male driver.

Regardless of what area of Las Vegas you call home, there are affordable options. Get quotes from independent agents and direct insurance writers, and be sure to ask about the many types of discounts that are available. Insurance companies offer drivers savings for bundling policies, being a homeowner, having an accident-free driving history, purchasing online and more.