Car Insurance in Las Vegas

Ah, Las Vegas. The bright lights, the glitz, the glamor, the questionable lifestyle choices. There’s a reason why “What happens in Vegas stays in Vegas.” However, Vegas isn’t just a vacation spot — it’s home to over 634,000 people.

Despite its reputation as “Sin City,” Las Vegas can be a great place to live. There are things to do 24 hours a day, it’s more affordable than other major cities, and the variety of communities mean there’s something for everyone. From the Arts district to family-friendly neighborhoods, you can find something you love in Vegas.

Quick Facts

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.

What’s important is that you have enough insurance to cover your needs if there’s a car accident. If you cause the accident, you are financially responsible for both your damages and injuries as well as the other party’s. Fortunately, there are steps you can take to reduce your premiums, such as asking about discounts.

How Many Fatal Accidents Happen in Las Vegas?

In 2019, there were 185 fatalities in Clark County, where Las Vegas is located. That’s about one fatality every two days. Nearly 80% of the car accidents reported in Nevada happen in Clark County, which isn’t surprising since the majority of the population lives there as well.

How Are the Road Infrastructure and Bridges in Las Vegas?

Road construction in Las Vegas seems to never end. Given the size of the city and how heavily it’s used, there are always roads and bridges that need repair and maintenance. In addition, Las Vegas is focused on improving infrastructure, bicycle friendliness, and the transit system.

In 2018, Nevada as a whole received a C on infrastructure, 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.

If a driver causes an accident in Nevada, they are responsible for paying for all the damages caused. That’s because Nevada is an “at-fault” state. If you injure someone or cause damage to property, you can be sued to cover the costs. That’s why you want to ensure you have enough car insurance coverage and the best car insurance in Las Vegas you can find.

In Nevada, the state minimums are:

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’ll 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 cheap car insurance in Las Vegas.

The factors that can be used in Nevada include:

There are a lot of ways to save money on car insurance 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.

Other discounts include:

When you drive without insurance, you’re 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’ve spent your life saving for.

Nevada levies fines and suspends the registration of drivers who don’t have insurance. You don’t need to get caught, either — 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.

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 have SR-22 insurance.