We at the Home Media review team will explain how much car insurance in North Las Vegas, Nev. costs and what factors can affect your car insurance rates. We used data collected by Quadrant Information Services to find the average insurance costs for different driver profiles.
Once you have an idea of which providers offer the cheapest car insurance in North Las Vegas, we recommend that you get quotes from the best car insurance companies on the market.
Cheapest auto insurance North Las Vegas
North Las Vegas drivers can usually find the cheapest car insurance rates from USAA, State Farm, Geico, Progressive, and Travelers. Keep in mind, however, that USAA only offers insurance to active duty members of the military, veterans, and members of their immediate family.
Cheapest Liability Auto Insurance in North Las Vegas
We found that in North Las Vegas, USAA and State Farm offer the cheapest minimum state coverage on average. Liability only car insurance premiums of USAA average $50 per month or $594 per yearwhile State Farm charges an average of $63 per month or $754 per year.
Nevada requires all drivers to bear bodily injury and property damage Liability coverage with the following minimum cover limits:
- $25,000 in personal injury liability insurance per person
- $50,000 in accidental personal injury liability insurance
- $20,000 in property liability insurance
Cheapest full coverage auto insurance in North Las Vegas
The auto insurance companies that offer the cheapest full coverage policies on average in North Las Vegas are USAA and Geico. The Cost of USAA’s Full Coverage Insurance Averages $112 per month or $1,341 per yearwhile Geico costs $114 per month or $1,365 per year average.
The most expensive full coverage car insurance provider in North Las Vegas is typically CSAA, which charges an average of $500 $309 per month or $3,705 per year.
Full coverage auto insurance includes the state’s minimum requirements — usually some form of liability insurance — as well comprehensive coverage and collision cover.
Auto Insurance in North Las Vegas
Insurance agents look at several factors when determining your car insurance policy. These factors include your age, marital status, gender and driving history. In the sections below, we show the average auto 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 affect the cost of coverage. Auto insurance premiums for young drivers tend to be higher, as insurance companies consider drivers in their teens and early 20s to be high-risk. Older drivers have more experience behind the wheel, so they pay less.
Marital status also affects rates, as married people are more likely to get cheap car insurance than single drivers.
The table below shows the average annual premiums for single 24-year-old drivers and married 35-year-olds. Single 24-year-olds often pay hundreds more for car insurance.
Cheapest Auto Insurance North Las Vegas: Gender
Gender doesn’t affect car insurance costs as much, although 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 Auto Insurance North Las Vegas: High Risk Drivers
Your driving record is one of the most important factors in determining what you pay for car insurance. If you recently had a speeding ticket, a wrong-way car accident, or a DUI conviction on your record, you may be paying a lot more than drivers with a clean record.
The sections below show the average full coverage auto insurance costs for North Las Vegas drivers with these driving violations.
Auto Insurance Prices in North Las Vegas: Speeding
We found that, on average, USAA and State Farm offer the best full coverage rates for drivers with a recent speeding violation. 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.
Auto Insurance Prices in North Las Vegas: Wrong Accident
An accident at fault in your file can increase your premium. Based on our data, USAA and State Farm generally offer the cheapest car insurance for North Las Vegas drivers with a recent at fault accident. USAA charges an average of $161 per month or $1,932 per year for full coverage, while State Farm averages $178 per month or $2,131 per year.
Auto Insurance Prices in North Las Vegas: DUI
A DUI causes the cost of a driver’s car insurance to rise. According to our research, State Farm offers the best full-coverage auto insurance rates on average for drivers with a recent DUI. $164 per month or $1,970 per year average.
Average Cost of Auto Insurance in North Las Vegas
On average, car insurance costs in North Las Vegas $214 per month or $2,570 per year for full coverage, that’s approx 49% higher than the national average from $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 a good credit score.
Auto Insurance Prices in North Las Vegas: What Affects Them?
When you ask a provider for a car insurance quote, the agent calculating the cost will look at a number of factors. Once you understand the factors insurers use to determine costs, you can adjust some of them to get better rates.
We recommend compare car insurance 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 auto 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 auto insurance rates at USAA, State Farm, Geico, Progressive, and Travelers.
Cheapest Auto Insurance in North Las Vegas: Frequently Asked Questions
Below are frequently asked questions about auto insurance in North Las Vegas: