Compare 5 Best Cheap Car Insurance For Las Vegas, NV [2022]

By Bex
12 Min Read
Cheap Car Insurance For Las Vegas

Compare cheap car insurance in Las Vegas, Nevada, for 2022 and learn how to get the best deals and offers that suit your budget. We understand that car insurance can affect your finances, so it is wise to look around and compare quotes from multiple companies. Insurance companies take various factors into consideration like the driver’s risk profile, age, deductibles, location, and state, are few to mention. These factors determine the cost of auto insurance that one has to pay. Sometimes, you don’t know the insurance policy breakdown and types of car insurance, so you end up paying a higher amount.

To find the cheapest car insurance rates, we compared and analyzed rates for all the drivers in Las Vegas for all zip codes. We will help you know what insurance costs you can expect to pay when purchasing a policy.

Continue reading to learn how Las Vegas’s vehicle insurance providers compare and the best cheap car insurance providers in 2022.

Compare Cheapest Car Insurance Companies For Las Vegas [2022]

If you’re looking to buy or renew your insurance policy, we always recommend comparing auto insurance quotes side by side from at least 5 companies to get the best rates. Below is the list of 5 best cheapest car insurance for Las Vegas, NV:

  1. Geico
  2. USAA
  3. Nationwide
  4. State Farm
  5. Mercury

1. Geico

Geico is the second-largest auto insurance provider in the country. Geico is well-known for its affordable rates that customers get over the phone and online. In all 50 states, it is accessible. It has made its name which customers trust. It is for those drivers looking for a wide range of offers, discounts, online interaction, and a household name. In the 2021 J.D. Power study, it was No. 4 out of 8 companies for auto insurance shopping and No. 8 out of 18 companies for auto insurance claims satisfaction. The cheapest insurance cost for a 35-year-old driver in Las Vegas, NV, can be $1,192 per year or $99 per month, depending on the trim level.

Overall Ratings: 4.5 out of 5

2. USAA

Numerous insurance options are available through USAA, which also receives good ratings in customer satisfaction surveys. According to the National Association of Insurance Commissioners, USAA is the nation’s fifth-largest auto insurer and offers customers the opportunity to invest and bank.

Only active duty personnel, veterans, and their families are eligible to purchase auto insurance from USAA.

For individuals who qualify, USAA is a reliable insurance provider. They provide a wide range of coverage and a variety of discounts. Full coverage insurance can be something a customer might be interested in if they desire more security. Full coverage combines many types of insurance, including liability, collision, and comprehensive.

USAA’s SafePilot program is one that most customers look for as it offers discounts up to 30% for good drivers. The app tracks every data gathered from your phone, like hard braking, driving behaviour, and much more. The cheapest insurance cost for a 35-year-old driver in Las Vegas, NV, can be $1,815 per year or $152 per month, depending on the trim level.

Overall Ratings: 4 out of 5

3. Nationwide

Nationwide offers a wide range of insurance and financial products, also best recognized for car insurance. Nationwide may be an excellent option if you wish to bundle insurance products with a stable business. One of the most amazing things a consumer may anticipate from them is gap insurance, Vanishing Deductible, On Your Side Review, Accident Forgiveness, and Total loss deductible waiver.

The cheapest insurance cost for a 35-year-old driver in Las Vegas, NV, can be $2,041 per year or $170 per month, depending on the trim level.

Overall Ratings: 4.5 out of 5

4. State Farm

State Farm provides numerous discounts, including:

  • Accidental discount.
  • A reduction for finishing a driving safety course.
  • Student Discount when away at school.
  • Good savings on driving.
  • Discount for drivers of your car under the age of 21 finishes a driver education program that is approved.
  • excellent student discount
  • Discount for vehicle safety.
  • Discount for passive constraint.

The customer satisfaction rate is very high, and one of the best insurance companies goes the extra mile to serve its customers. J.D. Power ranked No. 2 out of 8 companies for auto insurance shopping and No. 6 out of 18 for auto insurance claims satisfaction in 2021. State Farm is highly recommended and valued in the auto insurance sector. The cheapest insurance cost for a 35-year-old driver in Las Vegas, NV, can be $2,464 per year or $205 per month, depending on the trim level.

Overall Ratings: 5 out of 5

5. Mercury

Roadside assistance and rental car insurance are only two of the basic coverage options offered by Mercury, an auto insurer. Additionally, Mercury provides a lifetime warranty on all repairs performed at an approved repair shop. It operates in 11 states, offering home, renters, and commercial auto insurance products. If you are a type of customer who would like to contact an insurance agent, then Mercury is more suitable for you. It has a wide range of independent insurance agents who care for customers’ needs. One of the advantages of choosing Mercury insurance is that if you become a victim of an online attack, additional homeowner coverage options are available, such as cyber coverage. The cheapest insurance cost for a 35-year-old driver in Las Vegas, NV, can be $3,295 per year or $274 per month, depending on the trim level.

Overall Ratings: 4 out of 5

Summary Of Cheapest Car Insurance Companies For Las Vegas

Below is the summary of 5 best cheapest car insurance for Las Vegas, NV. Based on the driver with good credit and clean driving records, the rates are mentioned:

Summary Of cheapest car insurance companies For Las Vegas 2022 (Table)

Company Rate Overall Rating
Geico $1,192 4.5
USAA $1,815 4
Nationwide $2,041 4.5
State Farm $2,464 5
Mercury $3,295 4

What Is The Average Car Insurance Cost For Las Vegas and Nevada?

For various reasons, rates in Nevada vary from those in Las Vegas. The rates drivers pay might vary depending on factors, including the number of collisions, the nature of roadways, and the reasons mentioned above. Our study shows that the average rate across Nevada is $2,486 per year, while the average rate in Las Vegas is $3,393 per year, making a difference of $907.

Compare Average Cost Of Car Insurance For Las Vegas By ZIP Codes

Insurance companies consider various factors while giving quotes on car insurance, and Zip code is one of them. Las Vegas has multiple zip codes, and a customer is more likely to pay higher insurance fees just by having a different zip code. A customer can save money by doing proper research instead of just blindly paying. The table below compares the average cost of car insurance in Las Vegas by Zip code in 2022:

Compare Average Cost Of Car Insurance in Las Vegas By ZIP Codes 2022 (Table)

ZIP Code Average Rate
89108 $3,485
89110 $3,440
89115 $3,211
89117 $3,425
89121 $3,338
89122 $3,244
89123 $3,147
89129 $3,156
89147 $3,462
89148 $3,218

Compare Cheap Car Insurance For Las Vegas By Age [2022]

Like zip codes, age is another factor influencing insurance rates. From the table below, compare the cheap car insurance for Las Vegas by driver’s age in 2022:

Average Cheap Car Insurance For Las Vegas By Age 2022 (Table)

Company Rate
Geico $2,351
USAA $3,623
Nationwide $4,234
State Farm $4,669
Mercury $4,464

For a 20-year-old driver:

Youngsters often pay higher rates when purchasing car insurance policies as they can get reckless and distracted behind the wheel. It can lead to issuing tickets and not following safety laws, resulting in higher insurance prices. The table below compares the average cheap car insurance for Las Vegas for a 20-year-old-driver:

Cheap Car Insurance For Las Vegas For 20-year-old (Table)

Company Rate
Geico $1,192
USAA $1,815
Nationwide $2,041
State Farm $2,464
Mercury $3,295

For a 60-year-old driver:

As a driver matures, the driver’s risk gets reduced. They know we must follow safety rules, maintain good credit scores, and maintain the vehicle well maintained. If they have a terrible record, by age 60, it gets cleaned because of their experience and maturity. It builds trust amongst the insurance company, and they charge less for car insurance. The table below compares the average cheap car insurance for Las Vegas for a 60-year-old-driver:

Cheap Car Insurance For Las Vegas For 60-year-old (Table)

Company Rate
Geico $1,109
USAA $1,711
Nationwide $1,781
State Farm $2,358
Mercury $2,801

Making The Decision: Which Is The Best and Right One For You?

By doing proper research, anyone can save money and get cheap car insurance. Getting knowledge on types of car insurance also helps you to choose the correct policy. We compared the 5 best cheap car insurance for Las Vegas to know what rates they are offering. Repair cost, age, zip codes, states, driver’s risk profile, and the vehicle you drive affect the price, and each company will give you different quotes. If you want the best customer satisfaction, then choose State Farm. If you want an app that tracks your driving behavior, go with USAA. With USAA, your occupation will help you get additional discounts also.

Everything depends on your needs and driving history record. With clean records and a good credit score, you will pay less than those with accidents, speeding tickets, and violating traffic rules. The best is to get a car insurance quote, compare from at least 5 companies and then buy or renew your policy. This way, your finances will be stable, and you’ll get the best deals at the lowest price.

Posted by Bex
Bex is a technical and non-technical writer, he is into the content marketing industry since 2015 and also contributed to many top news sources in the world