Las Vegas is Nevada's largest city and one of the fastest-growing metros in the United States, home to approximately 650,000 residents in the city proper and over 2.2 million in the Las Vegas Valley. The combination of heavy tourist traffic on the Strip, high vehicle theft rates, and desert driving conditions makes Las Vegas auto insurance rates above the Nevada average.
In 2026, the average Las Vegas driver pays approximately $1,950 per year for full coverage and around $585 per year for liability-only coverage.
Nevada Minimum Auto Insurance Requirements
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000 per accident
Average Auto Insurance Rates in Las Vegas by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 89101 | Downtown / The Strip | $2,300 | $690 |
| 89109 | Paradise / Strip area | $2,200 | $660 |
| 89128 | Northwest Las Vegas | $1,800 | $540 |
| 89148 | Southwest Las Vegas | $1,750 | $525 |
| 89119 | Airport / South Strip | $2,050 | $615 |
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Sewell Insurance Agency is licensed in Nevada and serves all of Clark County. Our licensed brokers will find you the best auto insurance rate for your Las Vegas address.