1. Home
  2. Car Insurance

Find the Best Car Insurance Companies in Las Vegas, NV

Car insurance offers financial protection in the event of a vehicle-related incident, like a collision, theft or other type of loss. It’s also legally required by the State of Nevada, with new minimum coverages established July 1, 2018. Drivers have two ways to purchase car insurance: directly from a provider or from a broker, also called an agency. To help you get coverage that’s right for your vehicle and budget, we researched the best car insurance in Las Vegas.

Take an Extended Auto Warranty Quiz

Get matched with an Authorized Partner

Compare Top Car Insurance

  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Las Vegas
Read More
Overall satisfaction rating
  • Comprehensive coverage
  • Name your price tool
  • Car, motorcycle, boat, RV insurance
  • Available in Las Vegas

See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers.

Read More
Liberty Mutual
Overall satisfaction rating
  • Bundle & save policies
  • Deductible savings fund
  • Discount for online purchase
  • Available in Las Vegas

Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim.

Read More
The General
  • Accepts drivers with a poor driving history
  • Low monthly rates
  • BBB rating: A+
  • Available in Las Vegas
Read More
AMS Insurance
  • A-rated insurance companies
  • Policies tailored to your needs
  • Fully licensed brokerage
  • Discounts to lower premiums
9960 W. Cheyenne Ave., Ste. 240
Las Vegas, NV 89129
(702) 965-3680
Read More
All Kinds of Insurance
  • Locally owned and operated
  • Many carrier options
  • Quick and professional claims-handling
  • Full-service agency
5532 S. Fort Apache Rd., Ste. 100
Las Vegas, NV 89148
(702) 534-4697
Read More
Invest America Insurance
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • lasvegasbestinsurance.com
6190 W. Charleston Blvd.
Las Vegas, NV 89146
(702) 685-3888
Express Auto Insurance
  • M-F: 9am - 6pm
  • Sat: 9am - 3pm
  • Closed Sun
  • goexpressautoinsurance.com
1211 E. Sahara Ave.
Las Vegas, NV 89104
(702) 907-0000
Superior Insurance
  • M-F: 9:30am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • superiornv.com
2511 E. Stewart Ave.
Las Vegas, NV 89101
(702) 721-7575
A Abana Auto Insurance
  • M-F: 9:30am - 6pm
  • Sat: 9am - 5pm
  • Closed Sun
  • a-abana.com/our-locations/las-vegas-nevada-auto-insurance
3909 W. Sahara Ave., Ste. 4
Las Vegas, NV 89102
(702) 876-0072

How to choose a car insurance company in Las Vegas

Las Vegas Skyline

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

Minimum amount Coverage
$25,000 For bodily injury per person
$50,000 For bodily injury per accident
$20,000 For property damage

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

Area Full (100/300/100) Liability only (50/100/50) Liability only (state minimum)
Summerlin (89144) $2,237 $1,021 $812
Rhodes Ranch (89113) $2,411 $1,151 $913
Sunrise Manor (89142) $1,166 $1,151 $919
Silverado Ranch (89123) $2,228 $1,023 $828
Henderson (89012) $2,091 $948 $757
Downtown (89101) $2,705 $1,248 $982

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.

Car Insurance Reviews


Progressive is one of the largest auto insurance companies in the U.S., covering over 18 million drivers. Customers can choose from many different policies and get access to multiple discounts, including for safe driving and bundled policies. The Snapshot personalized rate and Name Your Price Tool are also popular. Reviewers, many of whom have been with Progressive for years, report satisfaction with the speedy claims process.


Liberty Mutual

Liberty Mutual helps people across the U.S. with all kinds of insurance needs, including auto coverage. All policies come with a 12-month rate guarantee, 24/7 customer service and a lifetime repair guarantee. Liberty Mutual also helps contribute toward deductibles with the Liberty Mutual Deductible Fund. Local reviewers praised the company’s customer service team, saying they are knowledgeable and happy to answer questions about policies to help save money.

Liberty Mutual

The General

The General has been covering drivers throughout the U.S. for over 50 years. Most types of cars and drivers, including those with a history of violations or accidents or less-than-perfect credit, are accepted. Policyholders are offered low down payments and convenient monthly payment options. Reviewers say getting an online quote is easy, and they appreciate the easy-to-understand policy coverages.

The General

AMS Insurance

AMS Insurance is a licensed insurance broker that serves western U.S states, including Nevada. It offers auto insurance from A-rated companies and superior customer service that helps you find coverage that meets your needs and budget. AMS Insurance is well reviewed online by Las Vegans, who say staff went out of their way to help them get the best deal.

AMS Insurance

All Kinds of Insurance

All Kinds of Insurance is a locally-owned and -operated independent, full-service insurance agency. Customers have choices from many different carriers and get prompt claims service. Reviewers love the company’s dedicated staff, saying they worked quickly and thoroughly to put together options of policies that are within budget.

All Kinds of Insurance