Who doesn’t love the bright lights of sin city? Driving in Las Vegas is much more exciting than other cities. However, buying Las Vegas car insurance can be very pricey. Crime and car accidents drive up rates in the city and so you have to think of realistic ways to save money on your auto insurance.
One easy solution is to get online auto insurance quotes.
You can easily get multiple quotes right away using the form above. Just enter your zip code and follow the onscreen instructions. Once you have an idea of what each company charges you are in a better position to save money.
To learn more about the Las Vegas auto insurance market please keep reading.
Las Vegas Car Insurance Agents
Las Vegas Allstate Insurance Agents
Allstate lists 52 agents working in and around Las Vegas from whom you can buy an insurance policy. So you have a good choice in agents.
Las Vegas Farmers Insurance Agents
Farmers also focuses a great deal on it’s agents in Las Vegas. According to their website, they have over 50 agents working in sin city itself.
Las Vegas Geico Insurance Agents
Geico has no agents in Las Vegas, because they focus more on internet and telephone insurance sales rather than using agents.
Las Vegas Progressive Insurance Agents
Progressive is similar to Geico in that they focus on online and phone sales over agent sales. However, they have relationships with 20 Las Vegas based insurance agencies and agents, if you prefer to buy your insurance from an actual person.
Las Vegas State Farm Insurance Agents
State Farm is leader when it comes to selling insurance through agents. In Las Vegas they have over 50 agents on the ground who can help you find the perfect Las Vegas auto insurance policy you’ve been looking for.
Your insurance agency not listed? If you own an insurance agency that operates in Las Vegas and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Las Vegas Car Insurance Rates
Las Vegas is an expensive city to drive in. According to CarInsurance.com, who track Las Vegas insurance quotes, the average driver in Las Vegas pays just over $2,000 per year for his or her policy. This is about $500 more a year than the Nevada state average and $600 more a year than the National average.
According to the Insurance Information Institute, the city ranks as the 10th most expensive place in the whole country to buy car insurance. The reason is both crime and the number of accidents. All the more reason to get those Las Vegas auto insurance quotes.
Las Vegas Driving Statistics, Data And Tips
Las Vegas is not a safe place to drive. According to the National Highway Traffic Safety Administration (NHTSA), Clark county (where Las Vegas is located) averages more than 140 driving related fatalities each year. The good news is that this is down from well over 200 per year, which the city was averaging before 2008. The bad news is that it is more than 4X more than the next closest county.
Las Vegas also has a problem with more minor accidents as well. According to Allstate’s America’s Best Drivers Report™ the city rank as the 138th safest. On average you can expect to get in an accident, once every 8.2 years or 22% more often than the US national average. So be careful on those streets.
Finally, the one silver lining is that the city’s traffic problems are not as bad as many other cities of a similar size. According to the INRIX National Traffic Scorecard, Las Vegas is only the 35th most congested city in America. Only the I-15 between exit 37 and exit 40, ranks among the 1000 worst stretches of road in the country at number 246. Therefore, while driving may be relatively quick, you need to be careful out there, as there are many potential problems and pitfalls to avoid.
Nevada Auto Insurance Laws
You don’t need to be an insurance expert to get a Las Vegas car insurance quote. However, knowing a few basic laws about how insurance works in Nevada, can help you avoid problems down the road. Almost all drivers need to carry basic liability insurance when they drive in Nevada, Las Vegas included. You’ll need to buy at least the following:
- $15,000 for bodily injury or death of one person in any one accident;
- $30,000 for bodily injury or death of two or more persons on any one accident;
- $10,000 for injury to or destruction of property of others in any one accident.
However, given the accident stats you read above, getting much more than this minimum amount, is probably a good idea. You are not required by law to purchase collision or comprehensive insurance, but given the fact that the crime rate in Las Vegas is quite high, you may want to consider getting them, if your car’s well being is important to you.
Keep in mind that it is against the law not to have insurance in Nevada. You must be able to show proof of insurance, if you want to drive. Failure to show proof of insurance can result in fines of up to $250. Finally, if you do find yourself in an accident in Nevada, you should know they use a modified form of comparative negligence. Basically, the amount you have to pay out in an accident, is proportional to the degree of fault you had in causing it. However, if you are 51% or more at fault you can not claim damages.
For more about Nevada’s and Las Vegas’ insurance laws and information you should speak to either the Nevada Insurance Division and/or your licensed insurance agent. They are the only two entities which can provide you with legal advice when it comes to insurance.
Car Insurance Quotes To Get The Lowest Rate Las Vegas Insurance Policy
Getting the lowest rate for your Las Vegas car insurance policy, does not mean that you have to sacrifice the amount of protection you will receive. After all, you can still save money on your car insurance, even if you want to enjoy the maximum possible coverage. Here are some of the things that you should remember, if you want to locate a cheap insurance policy, that can give you optimal coverage, without burning holes down your pockets.
Shop For Great Deals
An auto insurance policy can protect you in cases of theft or roadside accidents. However, there is no problem with your goal to saving as much money as you can, while you are applying for car insurance. You can do this by visiting the websites of auto insurance companies and comparing all the available options.
Instead of buying a Las Vegas insurance policy on impulse, do some research and keep your eyes open for amazing deals. After comparing different insurance quotes and getting the highest deductible you can afford, you can easily enjoy the cheapest insurance policy that suits your needs.
Use Comparison Websites
To save time and energy, you can also compare the online car insurance quotes, that you will get from various websites (such as this one). After filling out their forms and sharing important information about your car, you can get accurate estimates of how much your car insurance may cost. You can also consult insurance experts, if you want to get unbiased answers regarding all your issues and concerns.
Maximize Existing Discounts
You can also get a cheaper insurance rate by making the most out of every discount you can qualify for. Installing car alarms and anti-theft devices in your car can actually give you the chance to enjoy great deals and discounts. Driving fewer miles and additional safety features will also turn you into a safer risk for the insurance company you prefer. If you want to get affordable insurance quotes, you have to maintain clean driving records too.
These are only some of the things you can do to enjoy an affordable auto insurance quote. Purchasing a Las Vegas car insurance policy does not have to be expensive, as long as you are aware of the steps you can take to keep your insurance premiums as low as possible. Get started with a free Las Vegas car insurance quote now: