{"id":32014,"date":"2021-06-11T16:10:28","date_gmt":"2021-06-11T23:10:28","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=32014"},"modified":"2023-09-21T14:46:57","modified_gmt":"2023-09-21T21:46:57","slug":"las-vegas","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/nevada\/las-vegas\/","title":{"rendered":"Car Insurance in Las Vegas"},"content":{"rendered":"<section class=\"c-section  \" id=\"default-block_60b964eb6323a\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Ah, Las Vegas. The bright lights, the glitz, the glamor, the questionable lifestyle choices. There\u2019s a reason why \u201cWhat happens in Vegas stays in Vegas.\u201d However, Vegas isn\u2019t just a vacation spot \u2014 it\u2019s home to over 634,000 people.<\/p>\n<p style=\"text-align: left;\">Despite its reputation as \u201cSin City,\u201d Las Vegas can be a great place to live. There are things to do 24 hours a day, it\u2019s more affordable than other major cities, and the variety of communities mean there\u2019s something for everyone. From the Arts district to family-friendly neighborhoods, you can find something you love in Vegas.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> in Las Vegas is $2,640 per year<\/li>\n<li>There are over 22,000 car accidents a year in Las Vegas<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60b965316323b\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Is Car Insurance in Las Vegas?<\/h2>\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">On average, car insurance in Las Vegas costs $2,640 per year. That\u2019s higher than the U.S. national average and the Nevada state average, but that\u2019s to be expected. Over 90% of Nevada\u2019s population lives in the Las Vegas area, and it\u2019s a major city with the associated higher costs. Your exact <a href=\"https:\/\/www.freeway.com\/auto-insurance\/nevada\/\">Nevada car insurance<\/a> cost will depend on the types of car insurance you need, your driving history, and more.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Annual Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><strong>Las Vegas<\/strong><\/td>\n                                                                                            <td><strong>$2,640<\/strong><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Henderson<\/td>\n                                                                                            <td>$2,312<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Carson City<\/td>\n                                                                                            <td>$1,736<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Reno<\/td>\n                                                                                            <td>$1,733<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60ba629753e27\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Some of the rating factors that impact your car insurance cost in Las Vegas, NV, include your zip code, age, driving history, and the car you own. Those who have had a lot of accidents can expect to pay more, as can young drivers with little experience.<\/p>\n<p style=\"text-align: left;\">What\u2019s important is that you have enough insurance to cover your needs if there\u2019s a car accident. If you cause the accident, you are financially responsible for both your damages and injuries as well as the other party\u2019s. Fortunately, there are steps you can take to reduce your premiums, such as asking about discounts.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60ba62ca53e28\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"line-height: 137%; text-align: left;\"><span lang=\"EN\">Las Vegas Car Insurance Rates by Zip Code<\/span><\/h3>\n<p style=\"text-align: left;\">One of the biggest impacts on your car insurance rate is your zip code. A zip code has a lot of statistics that show how common car accidents and thefts are in the area. The insurance agency will also know how much they pay, on average, in that area. The more likely accidents are, the higher the rates will be.<\/p>\n<p style=\"text-align: left;\">Las Vegas has 77 zip codes, and each one may have different auto insurance rates. Knowing the average rates in your zip code can help you know what to expect when you get auto insurance quotes.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Car Insurance Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>89199<\/td>\n                                                                                            <td>$2,525<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89179<\/td>\n                                                                                            <td>$2,515<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89166<\/td>\n                                                                                            <td>$2,306<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89165<\/td>\n                                                                                            <td>$2,625<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89161<\/td>\n                                                                                            <td>$2,611<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89158<\/td>\n                                                                                            <td>$2,705<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89156<\/td>\n                                                                                            <td>$2,837<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89149<\/td>\n                                                                                            <td>$2,384<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89146<\/td>\n                                                                                            <td>$2,895<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89145<\/td>\n                                                                                            <td>$2,651<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60ba638f53e29\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Las Vegas Car Insurance Rates by Age<\/h3>\n<p style=\"text-align: left;\">Certain age ranges are statistically more likely to have car accidents, which means they pay more for auto insurance. You might expect that those in their teens and twenties pay more, but those 70 and older do as well.<\/p>\n<p style=\"text-align: left;\">Building a good driving record is an important part of keeping your insurance rates low, no matter how old you are.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Car Insurance Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$10,925<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$3,564<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$2,625<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$2,620<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$2,485<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$2,518<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$3,278<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60ba645a53e2a\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Las Vegas<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Las Vegas?<\/h3>\n<p style=\"text-align: left;\">In 2019, there were 185 fatalities in Clark County, where Las Vegas is located. That\u2019s about one fatality every two days. Nearly 80% of the car accidents reported in Nevada happen in Clark County, which isn\u2019t surprising since the majority of the population lives there as well.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Las Vegas?<\/h3>\n<p style=\"text-align: left;\">Road construction in Las Vegas seems to never end. Given the size of the city and how heavily it\u2019s used, there are always roads and bridges that need repair and maintenance. In addition, Las Vegas is <a href=\"https:\/\/www.lasvegasnevada.gov\/Business\/Planning-Zoning\/Master-Plan\/Transportation-Infrastructure\" target=\"_blank\" rel=\"noopener\">focused on improving infrastructure<\/a>, bicycle friendliness, and the transit system.<\/p>\n<p style=\"text-align: left;\">In 2018, Nevada as a whole received a <a href=\"https:\/\/infrastructurereportcard.org\/state-item\/Nevada\/\" target=\"_blank\" rel=\"noopener\">C on infrastructure<\/a>, which is an improvement from a C- several years earlier. Airports have been renovated, and a new fuel revenue tax in Clark County was used to address overdue road and bridge projects.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60ba649653e2b\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Las Vegas<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">If a driver causes an accident in Nevada, they are responsible for paying for all the damages caused. That\u2019s because Nevada is an \u201cat-fault\u201d state. If you injure someone or cause damage to property, you can be sued to cover the costs. That\u2019s why you want to ensure you have enough car insurance coverage and the best car insurance in Las Vegas you can find.<\/p>\n<p style=\"text-align: left;\">In Nevada, the state minimums are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul style=\"text-align: left;\">\n<li>Bodily Injury Liability: $25,000 per person, $50,000 per accident<\/li>\n<li>Property Damage Liability: $20,000 per accident<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60ba655d53e2c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Las Vegas Car Insurance Rates<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Rating factors are allowed because they have been shown to help insurance companies predict the likelihood of accidents. When your risk as a driver is accurate, you\u2019ll pay the best rates available. As you improve your driving experience and record, your rates can go down and it can get easier to find <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheap car<\/a> insurance in Las Vegas.<\/p>\n<p style=\"text-align: left;\">The factors that can be used in Nevada include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul style=\"text-align: left;\">\n<li>Driving record and claims history<\/li>\n<li>Physical location<\/li>\n<li>Gender<\/li>\n<li>Age<\/li>\n<li>Marital status<\/li>\n<li>Type of vehicle<\/li>\n<li>Credit score<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60ba65b153e2d\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Las Vegas<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">There are a lot of ways to <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/11-money-saving-tips-lower-auto-insurance-premiums\/\">save money on car insurance<\/a> in Las Vegas. A multi-policy discount allows you to combine your homeowners, auto, boat, RV, or other insurance policies to pay less on each one. You can also take safe driving classes and get a discount.<\/p>\n<p style=\"text-align: left;\">Other discounts include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul style=\"text-align: left;\">\n<li>Good student discount<\/li>\n<li>Anti-theft discount<\/li>\n<li>Good driver discount<\/li>\n<li>Military discount<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60ba660153e2e\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Las Vegas?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">When you drive without insurance, you\u2019re putting yourself and your financial future at risk. An accident could mean you get sued for tens of thousands of dollars, and your wages could be garnished. You can also lose assets you\u2019ve spent your life saving for.<\/p>\n<p style=\"text-align: left;\">Nevada levies fines and suspends the registration of drivers who don\u2019t have insurance. You don\u2019t need to get caught, either \u2014 Nevada gets live updates from insurance companies on every registered car. If your insurance lapses, the state will send you a notice and suspend your registration.<\/p>\n<p style=\"text-align: left;\">The first time it happens, the state charges a $250 fee plus $250 to reinstate your registration. Future offenses could result in your car being impounded, much higher fines, and the requirement to <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">have SR-22 insurance<\/a>.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<br>\n\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_60ba677553e30\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Las Vegas Car Insurance Quote Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/06\/Las-Vegas.jpg\" alt=\"Las Vegas welcome sign\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>You need insurance to protect yourself and your future in case you cause an accident. State law in Nevada requires it, and the state is notified immediately if your insurance ends. Don\u2019t pay high fines when you could get cheap car insurance in Las Vegas instead.<\/p>\n<p>Fortunately, Freeway is here to help you find the best car insurance for you in Las Vegas, Nevada. Get started with a quote <a href=\"#modal-turbo\">online,<\/a> or visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=Las+Vegas%2C+NV&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Las Vegas office<\/a> near you. You can also call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25484,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32014"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=32014"}],"version-history":[{"count":16,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32014\/revisions"}],"predecessor-version":[{"id":45662,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32014\/revisions\/45662"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25484"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=32014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}