Car Insurance in North Las Vegas, Nevada
Estimated full coverage in North Las Vegas runs about $2,095 a year ($174/month) — ▲ +15% versus the Nevada average, ranking 2nd most expensive of the 8 Nevada cities we cover.
Why car insurance in North Las Vegas costs more than the Nevada average
Insurers price by territory, and North Las Vegas's numbers explain most of the gap. With 294,034 residents on 105.4 square miles, the city's density (2,791 people per square mile) is 9.7 times the density where the typical Nevada resident lives (289). The average commute is 26.7 minutes (Nevada: 24.8), and 74% of workers drive alone. Together these put our location factor at 1.15× the state baseline for liability and collision.
| Factor | North Las Vegas | Nevada ref. | Why it matters |
|---|---|---|---|
| Population density | 2,791 / sq mi | 289 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 26.7 min | 24.8 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.3% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 74.0% | — | Share of workers commuting by car. |
| Public transit to work | 1.7% | — | Transit use lowers how much residents drive. |
| Work from home | 8.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.2% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 54.5 | 54.3 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in North Las Vegas
Rates can change from one ZIP code to the next. Across 8 North Las Vegas ZIP codes, our full-coverage estimate ranges from $2,070 in 89115 to $2,280 in 89085. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 89031 | 77,305 | 7,816 | 28.4 min | 3.7% | $2,235 | +7% |
| 89115 | 67,542 | 2,713 | 25.4 min | 15.3% | $2,070 | −1% |
| 89030 | 51,341 | 5,420 | 24.9 min | 12.2% | $2,135 | +2% |
| 89032 | 49,473 | 4,954 | 27.1 min | 7.8% | $2,160 | +3% |
| 89081 | 41,408 | 5,747 | 24.6 min | 2.4% | $2,135 | +2% |
| 89084 | 39,759 | 2,704 | 27.7 min | 1.9% | $2,105 | 0% |
| 89086 | 10,455 | 3,493 | 25.5 min | 3.1% | $2,095 | 0% |
| 89085 | 4,934 | 9,751 | 29.7 min | 4.0% | $2,280 | +9% |
Minimum car insurance in North Las Vegas
North Las Vegas drivers follow Nevada's rules: at least 25/50/20 liability coverage. Nevada is at-fault (tort). We estimate state-minimum coverage in North Las Vegas at $1,000 a year, and $1,450 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Nevada does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is optional, but insurers must offer it at no less than the minimum liability limits. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Offered together with uninsured motorist coverage; optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
The registered owner must be a named insured on a Nevada policy, and there is no grace period for coverage lapses.
Risk factors that shape North Las Vegas premiums
Accidents
Nevada recorded 417 traffic deaths, or 1.47 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Nevada's vehicle theft rate is 397 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Clark County as relatively high for hail, very high for inland flooding and relatively moderate for strong wind.
Traffic & commuting
4.3% of North Las Vegas commuters spend an hour or more getting to work, and there are 1.94 vehicles per household. 8.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 97.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 9.2 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 66.5 | Comprehensive; dwelling | |
| Winter weather | 61.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in North Las Vegas by driver profile
A clean-record driver in their 50s pays the least in our North Las Vegas model (about $1,925 for full coverage); an 18-year-old on their own policy pays about $5,755, and a DUI pushes a 30-something to $3,875.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,745 | $3,980 | $5,755 | $480 |
| Young adult (22) | $1,600 | $2,315 | $3,350 | $279 |
| Adult in their 30s | $1,000 | $1,450 | $2,095 | $175 |
| Adult in their 50s | $920 | $1,330 | $1,925 | $160 |
| Senior (72) | $1,120 | $1,620 | $2,345 | $195 |
| 30s, one at-fault accident | $1,450 | $2,100 | $3,035 | $253 |
| 30s, DUI on record | $1,850 | $2,680 | $3,875 | $323 |
Minimum vs. standard vs. full coverage in North Las Vegas
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $1,000 | $83 | $820–$1,180 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,450 | $121 | $1,185–$1,710 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,095 | $174 | $1,715–$2,470 |
Estimate your premium in North Las Vegas
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Cheap car insurance in North Las Vegas: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with North Las Vegas's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $150 | You're among the 8.1% of North Las Vegas workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $355 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $645 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $460 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in North Las Vegas
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 110 offices listed below.
- Check complaint records with the Nevada Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within North Las Vegas, our estimates differ by up to $210 a year between neighborhoods.
Car insurance agents near North Las Vegas, NV
We found 110 insurance offices within about 8 miles of central North Las Vegas, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Eric Moreno - State Farm
2225 Civic Center Dr., Suite 134, North Las Vegas, NV 89030 -
Freeway Insurance
2041 N Civic Center Dr, North Las Vegas, NV 89030 -
Insurance & Taxes
NV -
Freeway Insurance
2346 East Bonanza Rd, Las Vegas, NV 89101 -
Rosa Elena Parra - Farmers Insurance
570 W Cheyenne Ave, North Las Vegas, NV 89030 -
Insurance Navy Brokers
3266 Las Vegas Boulevard North, STE 12, Las Vegas, NV 89115 -
Colleen Drinnon - American Family Insurance
2625 E Craig Rd, Ste F, North Las Vegas, NV 89030 -
Neyvis Martinez-Machuca - Farmers Insurance
51 N Pecos Rd, Las Vegas, NV 89101 -
Johana Paredes - Farmers Insurance
3925 N Mlk Blvd, North Las Vegas, NV 89032 -
Ariel Rivera - State Farm
825 W Craig Road, Suite 102, North Las Vegas, NV 89032 -
Jaun Diaz State Farm
1718 South Eastern Avenue, Las Vegas, NV 89104 -
Kiara Altamirano - Farmers Insurance
4840 E Bonanza Rd, Las Vegas, NV 89110 -
Freeway Insurance
4255 E Charleston Blvd, Las Vegas, NV 89104 -
Erick Villatoro - Allstate
5001 E Bonanza Rd, Ste 134, Las Vegas, NV 89110 -
Freeway Insurance
4388 East Craig Rd, Las Vegas, NV 89115 -
Freeway Insurance
1920 E Sahara Ave, Las Vegas, NV 89104 -
Freeway Insurance
1811 N Rancho, Las Vegas, NV 89106 -
Jonathan Pirir - Allstate
3468 E Sahara Ave, Ste 135, Las Vegas, NV 89104 -
Ana Maria Alvarez Leon - Farmers Insurance
1380 E Sahara Ave, Las Vegas, NV 89104 -
Veronica Idalia Rivera-Nunez - Farmers Insurance
2525 S Bruce St, Las Vegas, NV 89169 -
Chaminda Pradeep Athauda - Farmers Insurance
990 E Sahara Ave, Las Vegas, NV 89104 -
Kyle Ambrose - Farmers Insurance
5135 Camino Al Norte, North Las Vegas, NV 89031 -
Marcia Galvan - Allstate
4105 W Lake Mead Blvd, Ste 105, North Las Vegas, NV 89108 -
Manuel Lemus - American Family Insurance
5831 E Lake Mead Blvd, Las Vegas, NV 89156 -
Shane Oliveira - Allstate
5615 Losee Rd, Ste 100, North Las Vegas, NV 89081 -
Wayne Matthews - American Family Insurance
2810 W Charleston Blvd, Ste 49, Las Vegas, NV 89102 -
Eliam Marcos Marrero Bernal - Farmers Insurance
3455 W Craig Rd, North Las Vegas, NV 89032 -
Lydia Hernandez - Allstate
3415 W Craig Rd, Ste 201, North Las Vegas, NV 89032 -
Joe Janet - State Farm
5514 Camino Al Norte, Suite A-1, North Las Vegas, NV 89031 -
Joe Webster - Allstate
1236 S Nellis Blvd, Las Vegas, NV 89104 -
Ariel Rivera - State Farm
5892 Losee Rd, Ste 138, N Las Vegas, NV 89081 -
Allstate
5960 Losee Rd, North Las Vegas, NV 89081 -
Progressive
1940 North Decatur Boulevard, #140, Las Vegas, NV 89108 -
State Farm Insurance Agent Leonel Alberto
4730 East Sahara Avenue, Las Vegas, NV -
Jared Burgess - State Farm
2300 West Sahara Ave, Suite 810, Las Vegas, NV 89102 -
Jared Burgess - State Farm
3960 W Craig Rd, Suite 114, North Las Vegas, NV 89032 -
Teresa L Johnson - Farmers Insurance
4974 E Sahara Ave, Las Vegas, NV 89104 -
Roger R Ibrahim - Farmers Insurance
2320 Paseo Del Prado, Las Vegas, NV 89102 -
L.A. Insurance
NV -
State Farm
NV
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in North Las Vegas
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,610 | −23% |
| Subaru Outback | Wagon | $1,555 | −26% |
| Tesla Model 3 | Midsize car | $2,170 | +4% |
| Subaru Forester | Small SUV | $1,510 | −28% |
| Honda Civic | Compact car | $2,440 | +16% |
| Toyota Corolla | Compact car | $2,300 | +10% |
| Jeep Wrangler | Midsize SUV | $1,940 | −7% |
| Mazda CX-5 | Small SUV | $1,810 | −14% |
| MINI Cooper | Subcompact car | $1,615 | −23% |
| Tesla Model Y | Midsize SUV | $1,950 | −7% |
More car insurance topics in North Las Vegas
Car insurance in nearby Nevada cities
- Las Vegas $2,140/yr · 3 mi
- Henderson $2,055/yr · 14 mi
- Mesquite $1,810/yr · 70 mi
- Fernley $1,825/yr · 321 mi
- Carson City $1,770/yr · 325 mi
- Sparks $2,055/yr · 342 mi
- Reno $1,970/yr · 346 mi
All Nevada cities and state rules · Homeowners insurance in North Las Vegas
Frequently asked questions
How much is car insurance in North Las Vegas, NV?
We estimate full coverage in North Las Vegas at about $2,095 a year ($174 a month) for a driver in their 30s with a clean record, and about $1,000 for Nevada's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in North Las Vegas more expensive than the Nevada average?
Our North Las Vegas estimate is 15% higher than the statewide figure. The model reflects a population density of 2,791 people per square mile (the typical Nevada resident lives at about 289) and an average commute of 26.7 minutes versus 24.8 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in North Las Vegas?
Drivers in North Las Vegas follow Nevada law: at least 25/50/20 liability coverage.
Which ZIP code in North Las Vegas has the cheapest car insurance?
Among North Las Vegas's 8 ZIP codes, 89115 has the lowest estimate (about $2,070 a year for full coverage) and 89085 the highest (about $2,280), mainly because of differences in density and commute times.
How much is car insurance for a teenager in North Las Vegas?
An 18-year-old with their own full-coverage policy would pay around $5,755 a year in North Las Vegas by our estimate ($2,745 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in North Las Vegas?
Yes. FEMA's National Risk Index rates Clark County for hail (relatively high) and inland (river) flooding (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in North Las Vegas?
We list 110 insurance offices in and around North Las Vegas, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Nevada DMV: Nevada Liability Insurance Requirements
- Nevada Division of Insurance: Consumer's Guide to Auto Insurance Rates
- NRS Chapter 690B (UM/UIM offer)
- Nevada Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (North Las Vegas and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places