Driving in Las Vegas means navigating heavy traffic, unpredictable drivers, and extreme desert weather. Here’s why strong auto insurance in Las Vegas matters:

• High Collision Rates: Las Vegas has one of the highest accident rates in the U.S., especially along I-15, US-95, and in high-traffic zones like The Strip, Downtown, and Spring Valley.
• Vehicle Theft and Vandalism: East Las Vegas and North Las Vegas report above-average vehicle theft and break-ins.
• Desert Weather Risks: Flash floods, dust storms, and intense sun exposure can all lead to vehicle damage.
• Tourist Traffic: Out-of-town drivers and rideshare congestion around the airport, Tropicana, and Las Vegas Boulevard increase accident risk.

Car insurance policies in Las Vegas vary, but they must meet Nevada’s minimum legal requirements:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $20,000 for property damage per accident
• Uninsured/underinsured motorist coverage

These limits are the legal minimum, but they may not cover the full cost of more serious or expensive accidents. Many Las Vegas drivers choose higher limits or additional protections for better peace of mind.

This is just a brief overview of the state requirements. To explore and understand them in more detail, visit our Nevada car insurance page.

Given the mix of city traffic, tourist hotspots, and extreme weather, Las Vegas drivers often choose to go beyond the basics with:

• Comprehensive Coverage: Helps pay for non-collision damages (like theft, weather, fire, etc.) caused by a covered incident. Subject to your deductible.
  • Highly recommended in areas like Paradise, Sunrise Manor, and Spring Valley.
• Collision Coverage: Helps pay for damage to your vehicle after a covered accident, regardless of fault. Subject to your deductible.
• Roadside Assistance: Useful if you break down in remote parts of the valley or during extreme heat.
• Rental Reimbursement: Pays for a rental car if your vehicle is in the shop after a covered accident.
• Rideshare Coverage: Only if you use your personal vehicle for a rideshare service and when you’re on the clock. Might provide more coverage than what’s provided from the rideshare service.
  • Offered in liability, collision, comprehensive, and medical payment options.

This isn’t a full list of options, and these descriptions are general in nature to give you an understanding of what they cover.

Goosehead agents work with you to learn your situation so they can find the coverage that makes the most sense for what you need without paying for what you don’t.

Rates will vary from driver to driver. However, drivers that meet the state minimums may pay around $1,000 a year. Those that opt for more coverage tend to pay an average of $3,000 to $4,000 a year.

Your rate also depends on several factors, including:

• ZIP code: Premiums are often higher in zips 89101, 89104, and 89106 due to theft and accident rates.
• Driving history: Past accidents, violations, and/or tickets significantly raise costs.
• Vehicle type: Luxury and performance vehicles cost more to insure due to higher repair costs, while some vehicles may be more specifically targeted for theft.
• Annual mileage: More driving means more exposure to accident risks.
• Credit score: In Nevada, insurers can factor this into your premium.
• Age: Younger drivers are riskier to cover because they don’t have much experience on the road, so they see higher rates.

There are still ways to save on auto insurance in Las Vegas, even in a high-risk market:

• Bundleauto with home or renters insurance for a multi-policy discount
• Avoid accidents or violations to the best of your ability for a safe driver discount.
• Install anti-theft devices, especially in high-crime neighborhoods.
• Use Goosehead to compare rates across multiple top insurers around renewal time. Our agents make it easy to find better rates.

Goosehead makes shopping for car insurance in Las Vegas easy, efficient, and tailored to your local reality. Here’s how we help:

• Access to multiple carriers, meaning we save you time by making comparisons for you.
• Custom policies based on your vehicle, commute, and risk profile.
• Nevada expertise, meaning our Nevada licensed agents know what to look out for when building your policy.
• Support that sticks with you, our agents provide high-quality service at every step of the process.