Average car insurance cost in North Las Vegas, Nevada

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At $5,159 per year, North Las Vegas drivers pay $1,196 more than the state average and $2,581 more than the national average for full coverage car insurance.

Travelers holds the lowest average rate at $2,699, while your own premium comes down to your age, driving record, and coverage level.

Here’s how North Las Vegas’s average rate compares to state and national averages:

How much car insurance do you need in North Las Vegas?

Liability coverage is necessary to drive legally for drivers in North Las Vegas, but full coverage protects more – it pays out for your own vehicle, not just the other driver’s.

With liability only, you’re covered for damage you cause to someone else – but not for your own car. A crash, theft, or a tree branch through your windshield comes straight out of your pocket. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $1,563 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $1,848 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for injuries to others and property damage when you’re at fault – but doesn’t cover your own vehicle.
• Full coverage: $5,159 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in North Las Vegas?

Travelers holds the lowest full coverage rate in North Las Vegas at $2,699 per year, and GEICO takes second place at $3,370 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company because each insurer calculates risk differently. Comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in North Las Vegas.

Do men or women pay more for car insurance in North Las Vegas?

Male drivers in North Las Vegas average $4,994 per year for full coverage car insurance,which is $331 less than female drivers at $5,325 per year.

Insurers in most states use gender as a rating factor. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania block this practice.

The Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, reports that women are involved in fewer serious accidents than men. Insurers price that risk difference into premiums, which is why men pay more for car insurance.

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How does age affect car insurance rates in North Las Vegas?

Teen drivers pay the most for car insurance in North Las Vegas, with an annual rate of $16,005 per year, or $1,334 per month. Rates fall as drivers gain experience – young adults ages 20 to 24 pay $8,079 per year, adults 25 to 55 pay $5,089 per year, and seniors 60 to 75 pay $5,452 per year.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

Premiums drop as drivers gain experience, however. Young adults ages 20 to 24 pay $8,079 per year – 50% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in North Las Vegas?

Car insurance rates in North Las Vegas show a upward trend since 2023 to 2025, with average rates increased by 25%, or $1,043.

If your own rates have climbed, shop around to confirm you’re not overpaying compared to what other insurers offer.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.