Las Vegas Car Insurance Cost – 2025 Rates + Cheapest Vehicle Rankings

• Car insurance in Las Vegas cost an average of $3,494 per year, or approximately $291 per month for full coverage.
• Las Vegas car insurance costs an average of $634 per year more than the Nevada state average cost ($2,860) and $1,218 per year more than the average rate for all 50 U.S. states ($2,276).
• Small SUV models like the Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross are the top choices for cheap car insurance in Las Vegas.
• A few models with the cheapest car insurance in Las Vegas in their automotive segment include the Chevrolet Colorado ($3,076 per year), Toyota GR Corolla ($3,038 per year), Acura Integra ($3,106 per year), and Acura RDX ($2,924 per year).

How much does car insurance cost in Las Vegas?

Average car insurance rates in Las Vegas cost $3,494 per year, or around $291 per month. That’s 42.2% more expensive than the overall U.S. overall average rate of $2,276 per year.

In the state of Nevada, average car insurance cost is $2,860 per year, so the cost in Las Vegas averages $634 more per year. When compared to other larger cities in Nevada, the cost of insurance in Las Vegas is about $880 per year more than in Reno, $890 per year more than in Sparks, and $320 per year more than in Henderson.

The chart below shows examples of average Las Vegas auto insurance cost. Rates are averaged for all Las Vegas Zip Codes and shown based on a wide range of driver ages, physical damage deductibles, and driver risk profiles.

Average rates in the prior chart range from $2,902 per year for a middle-aged driver with a great rate thanks to policy discounts to $8,034 per year for a 20-year-old driver who has a few accidents and violations and has to buy a high risk policy. Throughout our site, the rate used for comparing different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $3,494 per year in Las Vegas.

As a monthly expense, car insurance in Las Vegas ranges from $242 to $670 for the same driver ages and deductibles shown in the previous chart.

The age of the rated driver influences the price you pay for car insurance, so the list below details how driver age influences cost by breaking down average car insurance rates for different driver ages.

Las Vegas car insurance cost by driver age

• 16 year old – $12,445 per year or $1,037 per month
• 17 year old – $12,059 per year or $1,005 per month
• 18 year old – $10,805 per year or $900 per month
• 19 year old – $9,841 per year or $820 per month
• 20 year old – $7,030 per year or $586 per month
• 30 year old – $3,728 per year or $311 per month
• 40 year old – $3,494 per year or $291 per month
• 50 year old – $3,096 per year or $258 per month
• 60 year old – $2,900 per year or $242 per month

Vehicle models popular with drivers in Las Vegas tend to be compact or midsize sedans like the Honda Civic and Toyota Camry and small or midsize SUVs like the Nissan Rogue and Toyota Highlander.

Additional popular models from other segments include luxury SUVs like the BMW X5, Lexus RX 350, and Acura MDX, luxury cars like the Acura ILX, Lexus ES 350, and Tesla Model S, and pickup trucks like the Toyota Tacoma, Ford F-150, and Ford Ranger.

We get into rates in much more detail later in this article, but before we delve that deep, let’s look at some of the concepts covered so far in the data above.

• Average cost per month ranges from $242 to $1,037 – That is the average auto insurance cost range for drivers age 16 to 60 in Las Vegas.
• Las Vegas average car insurance cost is more than the U.S. average – $3,494 (Las Vegas average) versus $2,276 (U.S. average)
• Low deductible auto insurance costs more – A 50-year-old driver pays an average of $1,458 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Insurance rates drop significantly in your twenties – The average 30-year-old Las Vegas driver will pay $3,302 less each year than a 20-year-old driver, $3,728 compared to $7,030.
• Auto insurance for teen drivers costs a lot – Average rates range from $8,322 to $12,445 per year to insure a teen driver in Las Vegas.
• Auto insurance is cheaper the older you are – Auto insurance rates for a 60-year-old driver in Las Vegas are $4,130 per year cheaper than for a 20-year-old driver.

Which vehicles are cheapest to insure in Las Vegas?

The vehicles with the cheapest average car insurance prices in Las Vegas, NV, tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, and Buick Envision. Average auto insurance prices for those models cost $2,840 or less per year, or $237 per month, to get full coverage.

Some other models that are highly ranked in our auto insurance cost comparison are the Volkswagen Taos, Toyota GR Corolla, Volkswagen Tiguan, and Subaru Outback. Average auto insurance rates are slightly more for those models than the small SUVs and crossovers at the top of the list, but they still have an average insurance cost of $3,038 or less per year ($253 per month).

The table below lists the top 20 models with the cheapest car insurance rates in Las Vegas, sorted by annual and monthly insurance cost.

The above table containing 20 vehicles with the cheapest insurance in Las Vegas is great if you’re just wanting the lowest rates. Considering we track over 700 makes and models of vehicles, a lot of models get left out. Let’s take a different approach and list the models with the cheapest rates in Las Vegas in a format that makes more sense, by segment.

The section below discusses the average cost of auto insurance by vehicle segment. The rates shown in the chart should give you a decent understanding of the automotive segments that have the overall least expensive average car insurance rates. After the chart, the next six sections break out the most affordable rates for individual models for the primary segments.

Las Vegas car insurance rates by automotive segment

When shopping for a different vehicle, it’s advantageous to know which styles of vehicles have cheaper auto insurance rates.

To illustrate this, maybe you’re wondering if minivans have more affordable insurance than SUVs or which size of SUV has the cheapest rates.

The chart below displays average auto insurance cost by vehicle segment in Las Vegas. When comparing rates from a segment perspective, compact SUVs, midsize trucks, and minivans tend to have the most affordable rates, with luxury cars and sports cars having the most expensive overall rates.

Average rates by automotive segment are useful to make an overall comparison, but rates vary quite significantly within each segment displayed in the above chart.

For example, in the small SUV segment, car insurance rates in Las Vegas range from the Subaru Crosstrek costing $2,584 per year for a full coverage policy to the Ford Mustang Mach-E at $4,086 per year, a difference of $1,502 within that segment.

Also, in the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe costing $3,280 per year to the Toyota Sequoia at $4,372 per year, a difference of $1,092 within that segment.

In the following sections, we will remove much of this variability by analyzing the cost of auto insurance in Las Vegas for specific makes and models of vehicles.

Cheapest cars to insure in Las Vegas

Ranking highest for the most affordable Las Vegas auto insurance rates in the non-luxury sedan or hatchback segment are the Subaru Impreza, Nissan Leaf, Toyota GR Corolla, Honda Civic, and Nissan Sentra. Car insurance prices for these vehicles average $3,212 or less per year.

Rounding out the top 10 are cars like the Kia K5, Toyota Corolla, Toyota Prius, and Chevrolet Malibu, with average rates of $3,402 per year or less.

Car insurance for this segment in Las Vegas for the average driver starts at around $253 per month, depending on your company and location.

When prices are compared by vehicle size, the most budget-friendly non-luxury compact car to insure in Las Vegas is the Toyota GR Corolla at $3,038 per year. For midsize cars, the Kia K5 has the cheapest rates at $3,366 per year. And for large cars, the Chrysler 300 is cheapest to insure at $3,328 per year.

The rate comparison table below ranks the twenty cars with the most affordable insurance in Las Vegas, starting with the Toyota GR Corolla at $3,038 per year ($253 per month) and ending with the Mazda 3 at $3,614 per year ($301 per month).

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Las Vegas car insurance quotes from top companies in Nevada.

Cheapest SUVs to insure in Las Vegas

Ranking at the top for the most affordable Las Vegas auto insurance rates in the non-luxury SUV segment are the Honda Passport, Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, and Nissan Kicks. Auto insurance prices for these 2024 models average $2,782 or less per year, or around $232 per month.

Also ranking well are SUVs like the Buick Envision, Mazda CX-5, Toyota Corolla Cross, and Hyundai Venue, with an average cost of $2,862 per year or less.

Additional vehicles that made the list include the Subaru Ascent, Volkswagen Tiguan, Volkswagen Taos, Subaru Outback, and Honda HR-V, which average between $2,862 and $3,040 per year for full-coverage insurance.

Auto insurance rates for this segment in Las Vegas starts at around $215 per month, depending on your company and location.

The comparison table below ranks the SUVs with the lowest-cost average auto insurance rates in Las Vegas, starting with the Subaru Crosstrek at $2,584 per year and ending with the Subaru Ascent at $3,040 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Las Vegas car insurance quotes from the best companies in Nevada.

Cheapest luxury cars to insure in Las Vegas

Ranked at #1 in Las Vegas for cheapest auto insurance in the luxury sedan segment is the Acura Integra, with an average cost of $3,106 per year. Second place is the BMW 330i costing $3,558 per year, ranking third is the Mercedes-Benz CLA250, costing an average of $3,596 per year, and ranking fourth is the Lexus IS 300, at an average of $3,602 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are cars like the Genesis G70, Mercedes-Benz AMG CLA35, Lexus RC 300, and Cadillac CT4, with average cost of $3,674 per year or less.

In the bottom half of the top 20, models like the BMW 330e, BMW 228i, Lexus RC 350, Lexus ES 250, Cadillac CT5, and Audi S3 cost between $3,674 and $3,918 per year for auto insurance in Las Vegas.

Auto insurance rates for this segment in Las Vegas for the average driver starts at around $259 per month, depending on your company and location. The table below ranks the luxury cars with the lowest-cost insurance rates in Las Vegas.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Nevada.

Cheapest luxury SUVs to insure in Las Vegas

The cheapest luxury SUVs to insure in Las Vegas are the Acura RDX at $2,924 per year, the Lexus NX 250 at $3,094 per year, and the Cadillac XT4 at $3,156 per year.

Not the cheapest to insure, but still ranked well, are luxury SUVs like the Lexus NX 350h, Lexus UX 250h, Lincoln Corsair, and Lexus NX 450h, with average rates of $3,372 per year or less.

Additional models that make the list include the Lexus NX 350, Infiniti QX60, Cadillac XT6, and Land Rover Evoque, which cost between $3,372 and $3,510 per year for full-coverage insurance in Las Vegas.

From a monthly standpoint, full-coverage auto insurance in Las Vegas on this segment can cost as low as $244 per month, depending on your company and location.

If prices are ranked by vehicle size, the most budget-friendly compact luxury SUV to insure in Las Vegas is the Acura RDX at $2,924 per year, or $244 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $3,270 per year, or $273 per month. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $3,918 per year, or $327 per month.

The table below ranks the twenty luxury SUVs with the cheapest car insurance in Las Vegas, starting with the Acura RDX at $2,924 per year and ending with the Lexus RX 350 at $3,510 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Looking for rates for a different model? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Nevada.

Cheapest sports cars to insure in Las Vegas

The top three sports cars with the most affordable auto insurance rates in Las Vegas are the Mazda MX-5 Miata at $3,234 per year, the Toyota GR86 at $3,682 per year, and the Ford Mustang at $3,838 per year.

Not the cheapest, but still very affordable, are models like the Nissan Z, Lexus RC F, BMW M2, and Subaru BRZ, with an average car insurance cost of $4,178 per year or less.

Car insurance rates for this segment in Las Vegas for a safe driver can cost as low as $270 per month, depending on the company. The table below ranks the twenty sports cars with the cheapest car insurance rates in Las Vegas, starting with the Mazda MX-5 Miata at $3,234 per year ($270 per month) and ending with the Porsche Taycan at $5,918 per year ($493 per month).

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Nevada.

Cheapest pickup truck insurance rates in Las Vegas

Taking the top ranking in Las Vegas for cheapest insurance in the pickup segment is the Chevrolet Colorado, with an average cost of $3,076 per year. Second place is the Nissan Titan at $3,268 per year, and the third cheapest is the Nissan Frontier, at an average of $3,302 per year.

Not the cheapest pickups to insure, but still very reasonable, are pickups like the GMC Canyon, Hyundai Santa Cruz, Honda Ridgeline, and Toyota Tacoma, with average insurance cost of $3,596 per year or less.

From a monthly standpoint, car insurance rates in this segment for an average middle-age driver will start around $256 per month, depending on where you live.

The table below ranks the twenty pickups with the lowest-cost insurance in Las Vegas, starting with the Chevrolet Colorado at $256 per month and ending with the Ram Truck at $337 per month.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see insurance rates for your pickup? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Las Vegas car insurance quotes from top-rated companies in Nevada.

Tips for cheaper Las Vegas auto insurance rates

Drivers should always be looking to cut the monthly cost of car insurance So glance at the tips and ideas in this next list and maybe you’ll be able to save a little dough on your next car insurance policy.

• Improve your credit score and save. Having excellent credit of 800+ could save as much as $549 per year compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost as much as $636 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Keep your claim-free discount. Most car insurance companies offer a discount if you have not filed any claims. Auto insurance should only be used in the case of large financial hits, not for minor claims.
• Choose vehicles that have low cost car insurance. Vehicle performance has a significant impact on the cost of car insurance. As an example, a Volkswagen Atlas costs $3,430 less per year to insure in Las Vegas than a Acura NSX. Drive cheaper models and save money.
• Shop around anytime. Taking a couple of minutes every year or so to get a few free car insurance quotes can significantly reduce your monthly cost. Companies make rate modifications frequently and you can switch anytime.
• Avoid accidents for cheaper car insurance rates. Having frequent accidents may increase rates, possibly by an additional $4,990 per year for a 20-year-old driver and even as much as $1,454 per year for a 40-year-old driver. So be safe and save.
• Remove unneeded coverage on older vehicles. Dropping physical damage coverage (comprehensive and collision) from older vehicles that are no longer worth much can reduce the cost of auto insurance substantially.
• Don’t be dumb behind the wheel. In order to get cheap car insurance in Las Vegas, it’s necessary to drive within the law. Not surprisingly, just one or two driving offenses have the consequences of raising rates by as much as $930 per year.