Finding cheap Las Vegas car insurance is easy if you understand how to compare rates from top insurance companies. The benefits of buying car insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays as much as $869 every year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.
The rates you pay for car insurance coverage is dependent on many factors, but the average price for a policy in Las Vegas is $1,351 for an annual policy. On average, the rest of the U.S. pays approximately $1,220, so Las Vegas drivers pay roughly $11 more every month than other states.
Car insurance rates are calculated based on many different factors, and one of the primary components is the car, truck, or SUV you are insuring. The next table shows the policy premium for the most popular cars, trucks, and SUVs in Las Vegas.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Silverado LT Regular Cab 2WD | $1,112 | $556 | $93 |
| Dodge Ram Crew Cab TRX 2WD | $1,132 | $566 | $94 |
| Ford Edge Sport AWD | $1,094 | $547 | $91 |
| Ford Escape XLT 2WD | $878 | $439 | $73 |
| Ford F-150 XL Super Cab 2WD | $962 | $481 | $80 |
| Ford Focus SE 4-Dr Sedan | $1,016 | $508 | $85 |
| Honda Accord EX-L 2-Dr Coupe | $1,188 | $594 | $99 |
| Honda CR-V EX 2WD | $878 | $439 | $73 |
| Honda Civic EX 4-Dr Sedan | $1,072 | $536 | $89 |
| Hyundai Sonata SE 4-Dr Sedan | $1,168 | $584 | $97 |
| Kia Optima SX | $1,188 | $594 | $99 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,188 | $594 | $99 |
| Toyota Camry XLE | $1,094 | $547 | $91 |
| Toyota Corolla XRS | $1,114 | $557 | $93 |
| Toyota RAV4 Limited 2WD | $1,038 | $519 | $87 |
| Toyota Tacoma 2WD | $1,016 | $508 | $85 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in specific zip code location which can decrease or increase premiums greatly.
Careless driving habits raise auto insurance rates
The chart below illustrates how speeding tickets and at-fault fender-benders raise insurance prices for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
How to find cheaper Las Vegas car insurance rates
If you want to save the most money, the best way to find low-cost prices for auto insurance rates in Las Vegas is to compare quotes once a year from different companies who provide auto insurance in Nevada. You can shop around by following these guidelines.
First, try to learn a little about auto insurance and the steps you can take to drop your rates. Many risk factors that cause high rates such as high-risk driving behaviors and poor credit history can be eliminated by making lifestyle changes or driving safer.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates for a wide range of insurance providers.
Third, compare the new quotes to the premium of your current policy to see if cheaper coverage is available in Las Vegas. If you find a lower rate quote, ensure coverage does not lapse between policies.
Fourth, provide notification to your current company of your intent to cancel your current coverage. Submit a signed application and payment to the newly selected company. Once the paperwork is finalized, store the proof of insurance certificate with your vehicle’s registration.
The critical component of shopping around is to use the same liability limits and deductibles on each quote and and to get prices from as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and the best rate selection.