Buying Auto Insurance in Las Vegas

Learn the ins and outs of getting a car insurance quote in Las Vegas

Las Vegas drivers are 21 percent more likely to have an accident than the national average.

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Drivers in Las Vegas spend plenty of time behind the wheel. (The average roundtrip commute takes about 50 minutes.) And when the weekend arrives, many hit the road again to catch a local art or music festival, or explore the rugged beauty of Red Rock Canyon National Conservation Area or Valley of Fire State Park.

Wherever you roam, having car insurance in Las Vegas is essential for protecting your vehicle—and yourself—in case of any mishaps on the road. As you shop for auto insurance, take into consideration Nevada’s minimum coverage requirements and compare quotes before choosing an insurance provider. 

Las Vegas auto insurance requirements

Every state has its own auto insurance coverage requirements. In Nevada, drivers are required to carry at least the following:

Keep in mind, these are just the minimum requirements in Nevada, and you can always choose to increase your coverage amounts or include additional optional coverage—such as uninsured motorist coverage—to beef up your policy.

What are the average car insurance rates in Las Vegas?

It will depend on your car, driving record, and insurance company but Las Vegas residents can expect to pay higher rates than in other cities throughout Nevada and nationwide. On average, Las Vegas auto insurance costs $2,712 a year. That’s $569 above the Nevada average and $1,118 more than the average nationwide cost.

Las Vegas driving statistics

Las Vegas drivers are 21 percent more likely to have an accident than the national average—the average Las Vegas driver has an accident every eight years. While there are numerous causes for any accident, drunk driving is certainly a factor. Every year, more than 8,000 arrests are made for DUIs across the country, with Las Vegas leading the nation in alcohol-related crashes.

On Nevada roads, you’re also likely to come across a few speed demons. Nevadans were ranked the speediest drivers in the country in 2021 by Car Insurance Comparison, based on data from the National Highway Traffic Safety Administration and the Insurance Information Institute. 

AAA Car Insurance discounts for Las Vegas residents

In Las Vegas, you may qualify for some sweet discounts on auto insurance. Your AAA insurance agent can help you navigate options to find exceptional coverage while saving you money. 

Check out some of the AAA Auto Insurance discounts available for drivers in Las Vegas:

  • 5% AAA Membership discount.

  • Up to 5% Member loyalty discount.

  • Up to 5% auto insurance loyalty discount.

  • 7.5% discount when you insure multiple cars on your policy.

  • Up to 10% discount when bundled with homeowners insurance.

  • Up to 5% discount when bundled with life insurance.

  • Up to 7.8% discount when you pay your annual insurance premium in full.

  • Up to 24% discount for teen drivers who complete the AAA teenSMART program.

  • Up to 14.5% good student discount for high school or full-time college students with a verifiable GPA of 3.0 or higher.

  • Up to 30% distant student discount for drivers who are college students living more than 100 miles away from home.

  • 5% discount for defensive drivers.

  • Up to 20% discount for SMARTtrek users (based on program results).

  • Up to 5% discount for eValue (paperless billing) users.

  • Up to 1% discount for AARP members.

Speak to an insurance agent to tailor your coverage and maximize your savings. You don’t have to wait until you get a new car—talk to your agent anytime to see how much money you can save. 

How to find an agent who knows Las Vegas auto insurance

The  award-winning insurance agents at AAA can help you find the right auto insurance for your needs. Visit your nearby AAA Las Vegas branch to speak to an insurance agent in person, call us at (877) 323-4222, or request a quote online to get started.

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