Best Car Insurance Companies in Las Vegas

Las Vegas Drivers

As mentioned previously, car insurance in Las Vegas is expensive for a reason. According to a recent study, Las Vegas ranks 113 (out of 200) when it comes to road accidents. In the United States, drivers maintain a gap of 10 years between accidents. However, drivers in Las Vegas maintain a gap of 8.5 years. This is much more than the national average. If you want to reduce your average car insurance premium, you must learn to drive carefully. You should maintain good speed, follow the road rules and never run over someone!

Driving Conditions

Apart from the driver’s ability to maintain sound standards, driving conditions in Las Vegas are quite tricky. There are so many factors to influence and increase your insurance rate. For example, Las Vegas enjoys a subtropical climate. The place is warm for more than 300 days a year. Summers in Las Vegas can be extremely hot, dry and lengthy. On the other hand, winters are shorter and milder. “Rain” in Las Vegas is a miracle. On an average, the city enjoys 4.19 inches of rainfall every year. And, you will never see snow in this part of the USA. Tough weather conditions have increased the number of accidents in Las Vegas. Consequently, insurance rates have stepped up.

Another reason behind high accidents rates would be poor road condition. According to a recent study, most of the Las Vegas roads are poorly maintained. More than 11% of the roads are in a bad or mediocre state. These roads have increased vehicle operation charges by 440 USD for drivers. Finally, traffic congestion has given Las Vegas another reason to increase car insurance premiums. When it comes to traffic, the city ranks 22 in the United States. Most commuters spend between 19 to 30 minutes stuck in traffic. An average commuter in Las Vegas loses more than 900 USD every year due to traffic congestion. Also, they waste more than 70 hours every year on the road!

Moving Violations

In Las Vegas, moving violations include many factors: speeding tickets, drunken driving, poor driving records and accidents. These are factors that can increase your car insurance premiums. The process of fighting traffic tickets in Las Vegas is not easy. However, you should invest plenty of time and fight the tickets. Even if you are unable to dismiss the ticket, you can reduce the charges. In fact, drivers are advised to fight the points associated with the moving violation. These are points that interest insurance service providers. If you wish to reduce the cost of your car insurance, you must keep all these points away from the license.

Secondly, the city has high traffic citation figures. Las Vegas Patrol Police are busy most of the time. They have issued more than 81,000 traffic citations in 2014 and 135,000 citations in 2013. Numbers have decreased, but they are higher than many other cities in the United States. Meanwhile, the Las Vegas Traffic Bureau has issued around 136,000 citations in 2014 and 153,000 citations in 2013. These numbers prove the reason behind high car insurance rates in the city.

Thirdly, the place suffers many DUI cases. Well, it can be very difficult to avoid DUI cases in Sin City. However, the numbers must be controlled to reduce cheap car insurance rates. In 2014, the Police department at Las Vegas reported around 4600 DUI charges. And, in 2013, the city experienced 5834 DUI charges. Statistics believe that these charges are likely to increase in the coming years. And, DUI charges have a direct impact on car insurance premiums and rates. There are special types of insurance policies for people with DUI charges. After any DUI charge, you should get hold of an SR-22 form. There are plenty of local agents and service providers with DUI insurances. These insurance policies can save you from hefty fines and repair costs.

FAQs
 

Why is car insurance so expensive in Las Vegas?

Insurance is a legal requirement. Buying one in Las Vegas is compulsory to drive in the city and also in other parts of the state. The state motor vehicle insurance companies and bureaus are connected that all the information about the policies are sent automatically to each other.

Las Vegas is a bustling city featuring over a million people driving on the. In addition the residents include travelers from all worldwide plus the major events often send the numbers of people here skyrocketing.

• Males are over 50% population in Las Vegas
• Male drivers cause 80% more accidents
• More than 11,000 people come for jobs, thereby increase by nearly three percent the road traffic.
• Workers live and work in Las Vegas over 100,000.
• There are 243 fatalities in a year in the Las Vegas city.
• There is high auto theft rates in the city
• Among the fatalities, over 40% fatalities are alcohol related.

How much does it cost to add a teenager to car insurance Las Vegas?

If you wish to add a teenager to Las Vegas car insurance, start preparing a budget while the teen is starting to learn to drive. This is because the insurance rate will increase. Add a teen driver typically to parent’s policy so that the bill increases by 44 % and it is a one-car family.

If there is two car-two family, adding a teen driver increases auto insurance by 58 percent, and a three-car family will escalate to 62 percent as average.

Teen drivers are the “riskiest” group. As per record, drivers in ages 15 to 19 are likely to crash more by 4 times than older drivers.

Even teens with clean records of accident will face high rates for car insurance for several years owing to their lack of driving experience. Typically, at age 25, the rates decline, and middle-aged drivers get best rates. Again, at 65 the rates creep up again.

How much is car insurance in Las Vegas?

Las Vegas is the largest city with nearly two million residents living in the metro area. This Sin City has a disparity in the premiums even in different neighborhoods. The lowest rates insurer in Las Vegas is considered to be around 28% lower as $970 of Allied Insurance than the city average of $1338.

The average cost of car insurance in Las Vegas varies even in neighborhoods. In fact, there is a difference of $263 in the Henderson least expensive area and with $1196 as an average rate and the Downtown Las Vegas being the most expensive with average cost around $1458. Here is a record of car insurance on an average of the Las Vegas neighborhood.

Las Vegas Average - $1,338

Who has the cheapest car insurance in Las Vegas?

There is an extensive range of insurance costs in Las Vegas and from the neighborhoods, the Allied offers the lowest rates. Following it is the USAA as the next cheapest insurer offering around $94 per month. However, the USAA is available only to military members and their families.

Las Vegas has expensive insurer Mercury costing around 67% more than the cheapest insurer. Owing to his huge difference in the insurance rates, it is recommended that the drivers get quotes as they shop for auto insurance.

How much is car rental insurance in Las Vegas?

Renting a car in Las Vegas means the charges are associated with rental. Based on the car you rent, it will include concession and venue fees. Insurance up sell is a fee that is charged commonly by the rental companies.

As per auto insurance in Las Vegas, $15,000 is provided for death or bodily injury if a person in accident, for death of two or more or bodily injury it is $30,000 and for others property destruction or injury it is $10,000 in an accident. Even a visitor is expected to have the same insurance cover.

Having an insurance of full-coverage is same as the rental coverage. The insurance providers mostly such as Geico and Safeco provide same coverage even for the rentals as for the insured vehicle. So, it is best you check the policy to know about rental coverage. If the coverage guidelines are met and there is rental coverage, you may deny taking supplemental insurance.

How much is liability car insurance from enterprise in Las Vegas?

It is generally estimated that accidents take place due to distraction. This involved damage to vehicles, property and medical bills, leading to a high bill. If the driver is responsible for the collision, he may not be able to bear the expenses and most states for this reason ask the drivers to carry liability car insurance in Las Vegas.

The minimum coverage generally is as 25/50/20, it implies drivers will carry $25,000 insurance to cover bodily injury of one person, $ 50,000 for multiple people bodily injury, and $20,000 for property damage.

Generally, it is expected of the driver in Las Vegas to carry the minimum amount of liability insurance so that the cost of property damage or bodily injuries happening due to a collision caused by you is covered. Such insurance type helps cover the damages to the vehicle driver hit by you. However, not that your vehicle repairs is not covered and there is no cover for your lost wages or medical bills.