We at the Home Media reviews team will explain how much car insurance in North Las Vegas, Nev., costs and explain what factors may affect your car insurance rates. We used data collected by Quadrant Information Services to find average insurance costs for various driver profiles.
Once you have an idea of which providers tend to offer the cheapest car insurance in North Las Vegas, we recommend comparing quotes from the best car insurance companies on the market.
Cheapest Car Insurance North Las Vegas
North Las Vegas drivers can typically find the cheapest auto insurance rates from USAA, State Farm, Geico, Progressive and Travelers. However, keep in mind that USAA only offers insurance to active-duty members of the military, veterans and members of their immediate families.
Cheapest Liability Car Insurance in North Las Vegas
We found that in North Las Vegas, USAA and State Farm offer the cheapest state minimum coverage on average. Liability-only car insurance premiums from USAA average $50 per month or $594 per year, while State Farm charges an average of $63 per month or $754 per year.
Nevada requires all drivers to carry bodily injury and property damage liability coverage with the following minimum coverage limits:
- $25,000 in bodily injury liability insurance per person
- $50,000 in bodily injury liability insurance per accident
- $20,000 in property damage liability insurance
Cheapest Full-coverage Car Insurance in North Las Vegas
The auto insurance companies offering the cheapest full-coverage policies in North Las Vegas on average are USAA and Geico. The cost of USAA’s full-coverage insurance averages $112 per month or $1,341 per year, while Geico costs $114 per month or $1,365 per year on average.
The most expensive full-coverage car insurance provider in North Las Vegas is typically CSAA, which charges an average of $309 per month or $3,705 per year.
Full-coverage auto insurance policies include the state’s minimum requirements — usually some form of liability insurance — as well as comprehensive coverage and collision coverage.
Car Insurance Quotes in North Las Vegas
Insurance agents look at a variety of factors when determining your car insurance quote. These factors include your age, marital status, gender and driving history. In the sections below, we’ll show average car insurance estimates in North Las Vegas for each of these driving profiles.
Cheapest Car Insurance North Las Vegas: Age and Marital Status
Age is one of the biggest factors that affects the cost of coverage. Auto insurance premiums for young drivers are typically higher, as insurance providers consider drivers in their teens and early 20s to be high risk. Older drivers have more experience behind the wheel, so they tend to pay less.
Marital status also affects rates, as married people are more likely to get cheap auto insurance than single drivers.
The table below shows average annual premiums for single 24-year-old drivers and married 35-year-olds. Single 24-year-olds tend to pay hundreds more for auto insurance.
Cheapest Car Insurance North Las Vegas: Gender
Gender doesn’t affect car insurance costs that much, though male drivers may pay more for coverage depending on the provider they choose.
This table shows the average annual rates for male and female drivers in North Las Vegas. Geico tends to offer the cheapest rates to both groups.
Cheapest Car Insurance North Las Vegas: High-risk Drivers
Your driving record is one of the most significant factors in determining what you’ll pay for car insurance. If you have a recent speeding ticket, at-fault car accident or DUI conviction on your record, you may pay much more than drivers with clean records.
The sections below show average full-coverage car insurance costs for North Las Vegas drivers with these driving violations.
Car Insurance Prices in North Las Vegas: Speeding Ticket
We found that, on average, USAA and State Farm offer the best rates for full-coverage insurance for drivers with a recent speeding ticket. USAA’s coverage averages $138 per month or $1,654 per year. State Farm charges an average of $164 per month or $1,970 per year for full coverage.
Car Insurance Prices in North Las Vegas: At-fault Accident
An at-fault accident on your record can increase your premium. Based on our data, USAA and State Farm tend to offer the cheapest car insurance for North Las Vegas drivers with a recent at-fault accident on their record. USAA charges an average of $161 per month or $1,932 per year for full coverage, while State Farm charges an average of $178 per month or $2,131 per year.
Car Insurance Prices in North Las Vegas: DUI
A DUI will cause a driver’s car insurance cost to soar. According to our research, State Farm offers the best rates on average for full-coverage auto insurance for drivers with a recent DUI, charging $164 per month or $1,970 per year on average.
Average Cost of Car Insurance in North Las Vegas
On average, North Las Vegas car insurance costs $214 per month or $2,570 per year for full coverage, which is about 49% higher than the national average of $144 per month or $1,730 per year. These averages are based on the profile of a married 35-year-old driver with a clean driving record and good credit score.
Car Insurance Prices in North Las Vegas: What Affects Them?
When you ask a provider for an auto insurance quote, the agent calculating the cost will look at a number of factors. Once you have an understanding of what factors insurers use to determine costs, you can adjust some of them to get better rates.
We recommend you compare car insurance quotes from at least three of the top insurance companies to find the right coverage for your needs and budget.
The factors that affect car insurance rates include:
- Driving record
- Credit history
- Marital status
- Vehicle type
Cheap Car Insurance in North Las Vegas: Conclusion
We found that average car insurance rates in North Las Vegas are well above the national average, even if you have a clean driving record and good credit history. However, North Las Vegas drivers can usually find affordable car insurance rates from USAA, State Farm, Geico, Progressive and Travelers.
Cheapest Auto Insurance in North Las Vegas: FAQ
Below are frequently asked questions about car insurance in North Las Vegas: