Car Insurance in Las Vegas

With car insurance in Las Vegas, you're covered from the potential financial ruin of having to repair or replace your automobile following an auto accident.
Compare, shop and customize quotes from top-rated insurance carriers.

Cruising Around Las Vegas

Las Vegas is known as the œEntertainment Capital of the World thanks to its abundance of casinos and entertainment venues. With a population of over 656,000. it is the largest city in Nevada. Between the Strip and Downtown, numerous megaresorts make the city one of the world's most popular destinations for entertainment, including gambling, shopping, fine dining and nightlife.

Las Vegas ranks in the top 10 of US cities when it comes to annual visitors. Millions of people visit not just to gamble, but also for various conventions and conferences. There's so much to see and do here, including museums such as the Neon Museum, featuring many of the city's old neon lights from the past. While there's a monorail and a bus system to get around Las Vegas, many people drive vehicles. With almost 3 million annual visitors each year, there are many cars on the road and having car insurance in Las Vegas is essential.

Knowing Your Risks

There are several threats to vehicles and driving in Las Vegas. The city is located in a desert region and sees extremely high temperatures in the summer, increasing the likelihood of fire damage. With so many visitors to the Strip and downtown, the risk of pedestrian collisions is significantly higher. Pedestrian fatalities are on the rise in Clark County where Las Vegas is located. Development is constant in the city and road construction is often present, increasing traffic congestion and the potential for collisions.

Meeting the Minimums

Nevada drivers are required to carry liability insurance with these minimum coverages:

  • $25,000 for bodily injury or death for one person per accident
  • $50,000 for bodily injury or death for two or more people per accident
  • $20,000 for injury or property damage to others

Here you could find yourself in a car accident where the total property damage far exceeds $20,000, especially if multiple vehicles are involved. It is strongly recommended that your car insurance in Las Vegas include these coverages :

  • Collision: Covers damage to your vehicle regardless of fault
  • Comprehensive: Insures you against other vehicle losses due to theft, vandalism, fire and other events
  • Medical payments: Pays for injuries to you and other passengers or if you are struck as a pedestrian
  • Uninsured/underinsured motorist: Pays for injuries resulting from a collision with another driver who is at fault and has no insurance or insufficient coverage limits

With so many options available, VIU by HUB can help you make sense of what's out there and see which plans are best for your bottom line.

Paying for Protection

As a driver in Las Vegas, you can expect to pay $2,343 for full coverage, on average. This is below the state average but above the national average of $2,008. Look for the following to affect your premium:

  • Age: Younger drivers pay significantly more.
  • Marital status: Many providers consider married drivers to be safer than single drivers.
  • Gender: Men tend to pay more than women in the same age group.
  • Driving record: A history of good driving usually means lower rates.
  • Vehicle: The type of car and its condition will also affect your premium.

Other factors include your credit history and where you live. You may qualify for discounts that can help lower your premium. When you compare quotes with VIU by HUB, you can save money by getting the best rate and making sure your coverage limits make sense. Get started on a better plan for car insurance in Las Vegas today.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census Bureau

World Atlas


Nevada Department of Motor Vehicles

Nevada Division of Insurance


Auto insurance in Nevada by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.