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Auto Insurance - Las Vegas, Nevada
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Auto Insurance - Las Vegas, Nevada

With so many companies offering car insurance in Nevada, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

The Entertainment Capital of the World? Sin City? These claims to fame may be true but, as a resident, if you want to see it all, you'll need automobile transportation to take it all in. And you'll also need auto insurance coverage that protests you. Allstate offers a wide variety of auto insurance options for drivers in Las Vegas, as well as other products like homeowners insurance and life insurance.

Nevada Auto Insurance Requirements

In the state of Nevada, automobile accidents cost the government more than $1.9 billion each year. With such a high accident rate, it's not surprising that the state requires minimum coverage levels.

Although you're the only one who can decide what car insurance coverages are right for you, you should refer to the chart below for more information about Nevada - required coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage Nevada Minimum Requirements Most Common **
Missouri Drivers
Bodily Injury Liability 15,000/30,000* 100,000/300,000*
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 50,000/30,000*
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.
**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles by Allstate Insurance Company policyholders in Nevada. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimums.
For more information about Las Vegas auto insurance or to get an auto insurance quote, contact your local Allstate agent.

Nevada Auto Insurance Discounts

Once you know the amount of auto insurance coverage you need in Nevada, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in Las Vegas

The Las Vegas area covers 91 different zip codes ranging from 89030 to 89199, as well as 12 additional zip codes for Henderson, Nevada. Some of the most common claims reported in the Las Vegas area include:

Common Claims
Type of Claim Average Cost per Claim
Theft/Burglary $3,226
Water Damage $5,235
Wind $2,231
Physical Damage (all other) $3,738
Fire $52,825
With the high incidence of weather-related and theft claims, be sure to talk with your Allstate agent to ensure you have the right amount of coverage for your auto and property. Your agent can provide insurance quotes on a range of products including homeowners insurance and life insurance.

To learn more about the types of insurance claims frequently filed in Las Vegas, Henderson, and the surrounding areas, use our Common & Costly Claims tool.

Nevada Graduated Driver Licensing

Teenagers tend to be a high-risk group when it comes to driving. In fact, motor vehicle crashes are the leading cause of death for 15- to 20-year-olds in America. To help reverse some of staggering vehicle-related accident and death statistics, the state of Nevada adheres to a Graduated Drivers License (GDL) system. The system puts teen drivers through a rigorous program designed to educate and train young, novice drivers.

The following table outlines the GDL requirements and restrictions for Nevada.

Graduated Driver Licensing (GDL)
Insurance Institute for Highway Safety Rating Good
Minimum Entry Age
(Optimal: 16)
15 years, 6 months
Extended Learner Period
(Optimal: at least 6 months)
6 months
Parent Certification
(Optimal: 30 hours minimal)
50 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
10:00pm - 5:00am
Passenger Restriction
(Family members excepted unless otherwise noted)
First 6 months: no passengers younger than 18
Minimum Exit Age
(Optimal: 18)
18 for nighttime restrictions;
16 years, 6 months for passenger restrictions
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

Las Vegas, Nevada Profile

Allstate Insurance in Las Vegas, Nevada Insurance rates can be influenced by factors such as whether you own or rent your home and whether you have multiple insurance policies with the same carrier. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises Las Vegas' profile:

Some Great Facts About Las Vegas
Item Statistic
Median HH Income: $54,334
Education: 21.1% have a Bachelor's degree or higher
Own/Rent 57.7% own their home
Total Population: 583,756 (in 2010)
Number of schools: 91 Title 1 schools and 24 colleges and universities
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

City data sourced from U.S. Government websites and

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