Buy Cheap North Las Vegas, NV Auto Insurance

Auto insurance in North Las Vegas, NV is almost twice as much as the national average. Although USAA is the cheapest North Las Vegas, NV auto insurance company, your rates will vary. North Las Vegas car insurance must meet the state minimum requirements with coverage levels of 25/50/20 for liability. Compare North Las Vegas, NV auto insurance rates online to get the best price for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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A Concise Overview

  • North Las Vegas auto insurance rates are more expensive than Nevada’s average
  • The cheapest auto insurance company in North Las Vegas, NV is USAA
  • North Las Vegas is 3rd in cities with highest vehicle theft in Nevada, which impacts the city’s higher car insurance rates
  • Maintaining a clean driving record can save you 40 percent on North Las Vegas car insurance costs

On average, North Las Vegas, NV auto insurance rates are $6,311 per year, which is $1,449 more than Nevada’s average and $2,379 more than the national average. However, auto insurance in North Las Vegas, NV depends on the company and other factors that affect insurance.

We’re here to help. Our guide explains how to secure cheap North Las Vegas, NV auto insurance coverages for every age, credit history, and driving record.

Ready to find affordable North Las Vegas, NV auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in North Las Vegas, NV?

The cheapest auto insurance company in North Las Vegas, NV is USAA. However, USAA is only available for military veterans and their immediate families.

USAA may be the cheapest company, but you can buy North Las Vegas, NV auto insurance at a reasonable cost. Here are the top auto insurance companies in North Las Vegas, NV ranked from cheapest to most expensive:

  • USAA – $3,417.33
  • GEICO – $4,325.54
  • Nationwide – $4,837.41
  • Progressive – $5,334.82
  • Allstate – $7,099.77
  • State Farm – $7,193.13
  • Travelers – $7,402.07
  • American Family – $7,633.18
  • Farmers – $7,926.43
  • Liberty Mutual – $7,936.62

USAA, GEICO, Nationwide, and Progressive are the only companies in North Las Vegas that provide cheaper than average auto insurance rates. With the right discounts, you can lower your annual costs.

There are specific factors that can decrease your car insurance rates, such as age, gender, marital status, driving record, and credit history.

The most significant factor is your driving record. You can save up to 40 percent if you have a clean driving record. In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.

Your location is also a factor when determining auto insurance. What’s the cheapest neighborhood in North Las Vegas? The cheapest ZIP code in North Las Vegas, NV is 89033, and its average auto insurance cost is $483 per month.

Drivers under 25 years old could face auto insurance quotes that are over $12,000 per year. Senior drivers who are 60 and older may have auto insurance rates of about $3,000 per year.

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What are the minimum auto insurance coverage requirements in North Las Vegas, NV?

The Nevada DMV updated its coverage limits. Therefore, the 15/30/10 coverage has changed. All drivers must have the minimum Nevada auto insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage

However, North Las Vegas, NV auto insurance agents may recommend $15,000 per person and $30,000 per incident for uninsured/underinsured motorist coverage.

What affects auto insurance rates in North Las Vegas, NV?

Did you know that your daily commute and motor vehicle theft affects North Las Vegas, NV auto insurance quotes?

INRIX’s traffic detector didn’t list any specifics about North Las Vegas, but it ranks Las Vegas as the 95th most congested city in the United States.

According to Numbeo, the average commute to work in Las Vegas is 27 minutes. Since Numbeo didn’t list North Las Vegas in its database, we analyzed Las Vegas’ general area.

Vehicle theft has a significant impact on comprehensive coverage. Higher rates of auto theft will certainly increase auto insurance costs. The FBI annual statistics reported that North Las Vegas had 1,113 auto thefts in 2019.

North Las Vegas, NV Auto Insurance: The Bottom Line

While the average annual auto insurance rates are more expensive than the nation’s average, you can secure cheaper North Las Vegas car insurance through personal factors that determine auto insurance costs. Also, it would be best if you qualified for a few discounts.

If you see something you don’t like, you can always shop around to ensure you’re getting an affordable auto insurance policy.

Before you buy auto insurance in North Las Vegas, NV, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free North Las Vegas, NV auto insurance quotes.

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Frequently Asked Questions: North Las Vegas, NV Auto Insurance

If you still have auto insurance questions about North Las Vegas, NV, check out the answers below.

#1 – Why does my North Las Vegas, NV ZIP code affect auto insurance rates?

Auto insurance companies use your location (or ZIP code) to gauge your risk, including the number of drivers and vehicle theft chances. Higher risk means more expensive car insurance rates.

#2 – How do you get cheap auto insurance in North Las Vegas, NV?

The best way to secure cheap auto insurance is to shop around. Find a policy that meets your budget and coverage needs.

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