Best North Las Vegas, Nevada Auto Insurance in 2024

Car insurance protects you in case of an accident that could cause costly bodily injuries or property damage. It also gives you peace of mind while you comply with state minimum coverage requirements.

The process of buying auto insurance in North Las Vegas isn’t always easy. You may be looking for certain coverage or the right company to meet your needs, or perhaps you want the lowest auto insurance rates. Finding time to research everything can add to the task. See: Ways to Know You Have the Lowest Car Insurance Premiums Possible.

Don’t worry. You don’t have to look any further. We’ve gathered all the information you need here in this complete guide to auto insurance in North Las Vegas. We’ll go over the average annual costs of premiums there, the biggest factors that determine your auto insurance rates, state and local laws, and so much more.

Are you ready to take a ride through this guide? If you want to start researching rates, enter your zip code for a quote.

The Cost of Car Insurance in North Las Vegas

Depending on the zip code, the average price of an annual full coverage auto insurance in North Las Vegas ranges from $5,797.39 to $7,347.44. That can amount to a large part of your income each year. It can become another high expense you’d rather put off paying.

You might find yourself asking how does my North Las Vegas, NV stack up against other top metro auto insurance rates? We’ve got your answer below.

But you have coverage options in this land of opportunity. In this section, we’ll explain the factors that affect your car insurance rates to help you find affordable insurance tailored to your needs. As a result, we’ve partnered with Quadrant to give you the data in the sections below.

Keep reading to learn more about how much you can save on your car insurance.

– Male vs. Female vs. Age

Data USA reports that the median age in North Las Vegas is 32.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Nevada does use gender, so check out the average monthly auto insurance rates by age and gender in North Las Vegas, NV.

Your gender and your age (and to a lesser extent, your marital status) influence your car insurance rates. In Nevada and other states, the practice of setting insurance rates based on age and gender is legal.

North Las Vegas, NV auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

As the Nevada Division of Insurance explains, insurers want to know your past driving record and certain personal characteristics to group you with similar drivers in a pool. The insurers base the rates for each group on past claims the company has paid.

The companies also review the claim histories to make future projections for profits and losses. And some of the characteristics used to determine your group are beyond your control, such as age and gender.

Women tend to pay less for car insurance than men because they generally get into fewer car accidents. Let’s see if that’s true in North Las Vegas and how much age affects premium rates.

Generally, across the board, experienced drivers — those age 60 — pay less for car insurance than their younger counterparts. Seventeen-year-olds pay more because of their lack of experience, which also means insurers see them as a greater risk; as minors, they may be covered under their parents’ premiums. A teen driver will typically always face higher rates.

Next, let’s see how the cost differences between the sexes compare.

Conventional wisdom regarding the gender-based car insurance price differences is true in North Las Vegas — female drivers do pay less than males. But, on average, it amounts to only $400 less.

Here are the average rates in North Las Vegas based on age, gender, and marital status:

Married, 60-year-old females pay the lowest rates on average, while single, 25-year-old males pay the highest. On average, the price difference adds up to $800.

– Cheapest Zip Codes in North Las Vegas

The Nevada Division of Insurance states that generally, more claims come from urban areas because of busy traffic patterns and crime compared to rural areas. So, if you live in a quieter and safer part of a town, you may pay less for car insurance than another driver a few blocks away.

Check out the monthly North Las Vegas, NV auto insurance rates by ZIP Code below:

How does your zip code rank?

As shown below, rates vary widely among different North Las Vegas neighborhoods. From zip codes 89033 to 89030, there’s a nearly $1,600 cost difference. That’s something to think about, especially if you later plan to move.

What’s the best car insurance company in North Las Vegas?

Here we’ll go over how the top insurers’ rates vary in general and how other factors, including commute distance, coverage level, and your credit history, influence your rates.

Which North Las Vegas, NV auto insurance company has the cheapest rates? And how do those rates compare against the average Las Vegas auto insurance company rates? We’ve got the answers below.

– Cheapest Car Insurance Rates by Company

As we mentioned above, insurers in Nevada factor your age and gender into car insurance rates. Let’s see how much they can vary among the different insurance companies in North Las Vegas.

Overall, USAA and Travelers have the lowest annual premium rates based on age and gender, though Travelers charges 17-year-old males the highest rates compared to its competitors.

Best Car Insurance for Commute Rates

Nevadans drive an average of 14,084 total miles yearly. As you might have guessed, how far you commute regularly also influences your car insurance rates. Here’s how they can change among the top insurers for 10- and 25-mile commutes in North Las Vegas.

Most insurers listed don’t change their rates based on driving distance. Among those who do, State Farm posted the highest average price difference, of over $400, for 10- versus 25-mile commutes.

Best Car Insurance for Coverage Level Rates

The amount of insurance you buy, whether you purchase just the required minimum liability coverage or beyond as per the auto insurance laws, affects how much you pay. But it’s interesting to see how much prices can vary with each option and how they compare to the citywide average.

Your coverage level will play a major role in your North Las Vegas auto insurance rates. Find the cheapest auto insurance rates in North Las Vegas, NV by coverage level below:

Rates for low versus high coverage can change as much as over $3,000 with Allstate and as little as $300 with Nationwide. That’s why it helps to look at all of your options — the best protection available, full or comprehensive coverage, is more affordable with some carriers than with others.

Best Car Insurance for Credit History Rates

Your credit history is a common determiner of other expenses, such as rent or mortgage payments, so it’s not too surprising that it can also influence your car insurance rates. The higher your credit score, usually, the less you’ll pay. A poor credit score will restrict your options and most likely have you paying more. Let’s see how much credit affects your auto insurance rates as well.

Your credit score will play a major role in your North Las Vegas auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest North Las Vegas, NV auto insurance rates by credit score below.

State Farm had the highest price difference from poor to good credit — a whopping $8,000. On the opposite end, with Progressive, the difference amounts to $600.

Best Car Insurance for Driving Record Rates

A clean driving record will go far in terms of helping your rates, and having a spotty record will likely hinder them. Let’s see how much they can change with common driving infractions.

Your driving record will play a major role in your North Las Vegas auto insurance rates. For example, other factors aside, a North Las Vegas, NV DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest North Las Vegas, NV auto insurance rates by driving record.

With Liberty Mutual, one speeding ticket can raise your rates by nearly $1,600. By comparison, with USAA, they rise by less than $400.

Car Insurance Factors in North Las Vegas

We’ve seen how much some of the major insurance companies look at certain aspects of a driver’s life and habits to adjust their car insurance rates. Now, we’ll look more closely at other factors that influence auto insurance premiums, such as the local economy, your earnings, education level, and job.

Factors affecting auto insurance rates in North Las Vegas, NV may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap North Las Vegas, Nevada auto insurance.

Metro Report – Growth & Prosperity

The Brookings Institution’s Metro Monitor shows that the Las Vegas-Henderson area ranks 24th out of 100 cities nationwide for economic growth and 94th out of 100 for prosperity.

The economy there is strong; on average, productivity, wages, and the standard of living rank below the national average, which means that prosperity there is stagnant.

Let’s look more closely at the statistics:

Prosperity

Prosperity captures changes in the average wealth and income an economy produces. When worker productivity contributes to a metropolitan area’s growth, through innovation or training, for example, the value of those workers’ labor rises.

This is how the area grew from 2007 to 2017:

• Productivity: -1.2 percent (95th out of 100)
• Standard of living: -0.4 percent (92nd out of 100)
• Average annual wage: -0.2 percent (94th out of 100)

Unfortunately, productivity, the standard of living, and the average annual wage showed losses in the area over the decade.

Growth

Growth indicators measure the change in the size of an urban area’s economy and its level of entrepreneurial activity. Growth and entrepreneurship create new opportunities for individuals and can help a metro economy become more efficient.

These figures measure growth in the gross metropolitan product, the number of jobs, and the number of positions at young firms.

Here’s how the Las Vegas-Henderson area grew from 2007 to 2017:

• Jobs: +3.0 percent (ninth out of 100)
• Gross metropolitan product (GMP): +1.8 percent (65th out of 100)
• Jobs at young firms: +3.5 percent (47th out of 100)

Despite dismal prosperity figures, job growth in the Las Vegas-Henderson area was among the highest in the nation.

Next, let’s explore how much the average North Las Vegan earns and how that factors into their car insurance premiums.

Median Household Income

Data USA 2017 figures reveal that North Las Vegas households have a median annual income of $55,828, which was below the U.S. average yearly income of $60,336. The North Las Vegas median household income increased four percent from $53,565 in 2016.

Based on the 2017 annual income in North Las Vegas, and an average annual car insurance premium cost of $5,797.39, drivers there spent 10 percent of their income on car insurance.

Homeownership in North Las Vegas

Homeownership shows that a driver may be more reliable and able to pay car insurance premiums. If you own a home, you may pay less for car insurance than if you rent. To save more, homeowners can also bundle their car and home insurance.

According to Data USA, in 2017, the homeownership rate (including owner-occupancy) in North Las Vegas was 56 percent, which was slightly lower than the national average of 64 percent. In North Las Vegas, the rate was up one percent from 55 percent in 2016.

North Las Vegas median home values in 2017 grew to $179,700, up from $161,500 in the prior year, an increase of 11 percent.

Education in North Las Vegas

Per Data USA statistics, in 2016, North Las Vegas universities awarded 151 degrees.

The largest university in North Las Vegas by the number of degrees awarded is the Nevada Career Institute. The most popular majors in North Las Vegas are Medical Assistant, accounting for 48 percent of degrees awarded, Medical Insurance Specialist (17 percent of degrees), and Surgical Technologist (16 percent of degrees awarded).

Community colleges, which offer several degrees and certificates in a broad range of fields, are also a lower-cost alternative to traditional schools.

College of Southern Nevada, the third-largest community college in the U.S., has a campus in North Las Vegas and offers degrees and certificates in many of the most employed fields in the city. The college also offers online degree programs in certain fields.

Wage by Race & Ethnicity in Common Jobs

In 2017, according to Data USA, the highest paid race/ethnicity of Nevada workers was White. These workers were paid 1.11 times more than Asian workers, who made the second-highest salary of any race/ethnicity.

The table below reveals the annual earnings for the top three highest-earning races and ethnicities in Nevada, together with the number of their incomes going to car insurance.

Generally speaking, the less you earn, the more of your income pays for car insurance. As shown, American Indian and Alaska Natives earned $10,000 less than Whites, and nearly 15 percent of their incomes went to car insurance.

Wage by Gender in Common Jobs

According to Data USA, in 2017, the average working male in Nevada earned $57,432 yearly, while the average female there earned $44,567 annually. Full-time male employees in Nevada earned 1.29 times more money than female employees.

Male employees there also spent less of their incomes on car insurance — 10 percent — compared to the 13 percent females paid.

Poverty by Age & Gender

Data USA numbers reveal that 15 percent of North Las Vegans live below the poverty line, which is slightly higher than the national average of 13 percent. The largest North Las Vegas demographic who lives in poverty are females ages 25-34, followed by females 35-44, and young males age 6-11.

The Census Bureau uses money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income falls below the threshold, the Census Bureau classifies that family and every family member as living in poverty.

Poverty by Race & Ethnicity

Data USA reports the most common racial or ethnic group living below the poverty line is Hispanic (16,975 people), followed by White (14,356), and Black (10,587).

Employment by Occupations

From 2016 to 2017, according to Data USA numbers, employment in North Las Vegas grew at a rate of 2.75 percent, from 98,900 to 102,000 employees.

The most common job groups by population in North Las Vegas are Office & Administrative Support Occupations (15,108 people), Sales & Related Occupations (11,337 people), and Food Preparation & Serving Related Occupations (10,435 people).

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Driving in North Las Vegas

When you take the wheel in North Las Vegas, you face several potential challenges that can try your patience.

To help you become aware of what lies ahead in your journeys, in this section, we’ll cover North Las Vegas’s major highways, toll roads, pavement conditions, popular road trips, and traffic laws.

Read on to find out more.

Roads in North Las Vegas

Here you’ll learn all about the roads of North Las Vegas and the rules you should follow when you drive along with them. Join us through this fascinating journey.

Major Highways in North Las Vegas

Nevada has six active highways that span 623.79 miles throughout the state. Below is a map of the major highways that run through North Las Vegas.

The major highways in North Las Vegas are Interstate 15 (I-15), Clark County Highway 215, and Las Vegas Boulevard. There are no toll roads.

The BigRigTravels video below shows the route from I-15 in North Las Vegas south to Mountain Pass, California in real time:

Popular Road Trips/Sites

North Las Vegas hosts several different fun attractions for everyone. These are some of the most notable places to visit on a road trip:

Craig Ranch Regional Park – Over the past decade, this former ranch and golf course was converted into a family recreation site. It features a 3.5-acre children’s play area, hiking trails, a dog park, shaded picnic grounds, a new parking lot, and water features. It also offers several sports facilities: basketball courts, ball fields, volleyball and tennis courts, and the area’s largest skate park.

Shadow Creek Golf Course – This exclusive 18-hole course designed by renowned architect Tom Fazio has some beautiful creeks, waterfalls, lush gardens, tall pines, and immaculate greens backed by a mountainside. Celebrities such as George Clooney, Michael Jordan, and Matt Damon have been known to relax here. You must have a room key at one of the local MGM resorts, such as Aria, the Bellagio, Mandalay Bay, or the MGM Grand for access.

Silver Nugget Casino & Event Center – Built in 1964, this historic casino boasts 25,000 square feet of gaming space. Other on-site entertainment includes a 24-lane AMF bowling facility, live boxing, wrestling, dancing, and more. Food and drink are readily available at restaurants and snack bars in the casino.

SoBe Ice Arena – This NHL regulation-sized, 31,000-square-foot ice rink is home to the University of Las Vegas’s Rebel hockey team. It also hosts youth and adult hockey leagues and figure skating.

Road Conditions in North Las Vegas

Below are pavement conditions and vehicle operating costs in the Las Vegas-Henderson area from TRIP, a national transportation research group:

Most of the roads are in fair and good condition, so you’re likely to face smooth travels in the area.

Does North Las Vegas use speeding or red-light cameras?

According to the Insurance Institute for Highway Safety, North Las Vegas doesn’t currently use speeding or red-light cameras. But that doesn’t mean there hasn’t been interest in installing them in the Silver State.

The news report below details state lawmakers’ efforts to consider red-light cameras in intersections.

Vehicles in North Las Vegas

Below, we’ll cover the most popular cars owned in the area, car ownership, and crime rates (including vehicle thefts).

Vehicles Most Popular Vehicles Owned

YourMechanic tracks the types of cars it services nationwide and breaks down the information by each major city to show Americans’ car preferences.

According to their survey, 49 percent of the cars they repair in Las Vegas are American-made. The most popular make and model there is the Hyundai Accent.

Consumer Reports’ review of the 2019 Hyundai Accent described the car as “bare-bones transportation.” It “suffers from many of the shortcomings common among subcompacts. Its 1.6-liter, the four-cylinder engine returned 33 mpg overall in our tests. That is good, but many larger, more substantial compact cars can match that.”

The publication considered the engine noise “most unobtrusive”; however, the engine sounds coarse at high speed, and “road noise fills the cabin.” The top Limited trim model includes advanced safety features.

The video below reviews the 2018 Hyundai Accent:

How Many Cars Per Household

Data USA’s statistics reveal that the average North Las Vegas household owns two cars, followed by three vehicles, which is in line with the national averages.

Households Without a Car

The table below reveals how many North Las Vegas households on average own and don’t own cars.

The data shows that car ownership increased by slightly more than one percent from 2015 to 2016.

– Speed Traps in North Las Vegas

Speedtrap.org keeps track of speed traps all across the U.S., as ranked by its users. Among the North Las Vegas roads visitors debate on, the following locations have received the most votes:

• Co 215, in either direction, at Aliante Parkway
• Aliante Parkway Overpass
• Lamb Road, north of Craig, to the Northern Beltway (215)
• Going South on Lamb Blvd. right before Interstate 15

Whether or not they’re truly speed traps, it helps to be aware and slow down to stay safe.

Vehicle Theft in North Las Vegas

The Federal Bureau of Investigation (FBI) reports that in 2017, 1,321 vehicle thefts occurred in North Las Vegas.

Neighborhood Scout also tracks crime statistics for U.S. cities. Below is their map of the safest neighborhoods in North Las Vegas. Deer Springs Way / Allen Lane topped the list.

The site gives the city a Crime Index of 13, which means it’s 13 percent safer than other U.S. cities. For a closer look at the crimes that occur in North Las Vegas, below is a chart showing figures from 2017:

Like betting at a casino, you face certain statistical odds of a win or a loss. When it comes to violent crime, in North Las Vegas, your chances of becoming a victim are one in 98; however, statewide, they rise to one in 180.

Regarding property crimes in North Las Vegas, your chances reduce to one in 41. In the state of Nevada, overall, they decrease to one in 38.

This new report details the top 10 North Las Vegas crime “hot spots”:

Traffic

This section features information about traffic congestion in North Las Vegas, the busiest highways, and the safety of its streets and roads.

Traffic Congestion in Nevada

Transportation in metropolitan areas and traffic congestion go hand-in-hand. Like other states, Nevada has its share of peak traffic times that may lead to delays on the road.

Let’s see how two of the biggest cities in Nevada rank for levels of traffic congestion based on the INRIX 2018 Global Traffic Scorecard.

As with prior traffic data, the areas with the highest population top the reports. In this case, Las Vegas and Reno have the most congested traffic in the Silver State.

In 2018, Las Vegans spent 63 hours in congested traffic — INRIX ranks it as the 31st most congested city in the U.S. Reno rated 51st nationwide, at 52 hours.

The driving speeds at peak and off-peak times were about the same for both cities; during the heaviest time period, in the morning, they were at 30 and 29 mph, respectively. Traffic in the evening eased up to nearly 40 mph and rose to nearly 50 mph during off-peak hours.

The cost of the congestion averaged under $1,000 per year per driver in each city.

Transportation

Data USA reports that North Las Vegans have an average daily commute time of 26 minutes, which is just above the U.S. average (25 minutes). More than 1 percent of North Las Vegas commuters drive longer than 90 minutes daily.

In 2017, the most common method of travel for North Las Vegas was driving alone, at 82 percent, followed by those who carpooled (11 percent) and took public transit (3 percent).

Busiest Highways

Also among the busiest highways in Nevada, North Las Vegas’s most congested corridor is Interstate 15 (I-15).

How safe are North Las Vegas streets & roads?

In this section, you’ll find out how many fatal accidents happened on Clark County roads in 2018, courtesy of the National Highway Traffic Safety Administration (NHTSA). We’ll cover everything from the total fatalities by county to vehicle and railroad accidents.

Total fatalities by county:

• Fatalities (All Crashes) = 220 total
• Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) = 65
• Single Vehicle Crash Fatalities = 122
• Fatalities in Crashes Involving Speeding = 70
• Fatalities in Crashes Involving a Roadway Departure = 62
• Fatalities in Crashes Involving an Intersection (or Intersection Related) = 83
• Passenger Car Occupant Fatalities = 69
• Pedestrian Fatalities = 61
• Pedal cyclist Fatalities = 7

Most of the crashes involved single vehicles and were intersection-related.

Next, let’s see the fatalities by state/road function class. Below is data for Nevada.

Most of the crashes occurred on arterial roads. An arterial road is a high-capacity urban road. Depending on the amount of traffic, the arterial road may be classified as a highway or a minor arterial road. A collector road gathers traffic from local roads and takes drivers to arterial roads.

Per the U.S. Department of Transportation (DOT), these were the railroad and highway crash incidents in Clark County from 2012 to 2016:

In those five years, only one incident was reported in North Las Vegas.

Allstate America’s Best Drivers Report

Allstate America’s Best Drivers Report tracks the number of accident claims drivers make nationwide. According to Allstate claims data, the average U.S. driver will experience a collision once every 10.57 years.

In 2019, North Las Vegas ranked 161st out of 200 major cities on the report, down from 140th the prior year. The chart below shows residents’ insurance claims and hard braking statistics.

Drivers in North Las Vegas went nearly eight years between accident claims, and they were 39 percent more likely to file a claim compared to the national average. They had 29 hard-braking events per 1,000 miles.

The results indicate that drivers there are less likely to get into a car accident than the national average, though they may be more likely to file a claim, especially given that they experience several hard braking events regularly.

Ridesharing

Beyond regular taxi rides, below are the ridesharing services available in North Las Vegas.

• Blacklane – Blacklane luxury vehicles seat one to five people.
• Carmel – This company gives users the choice of riding in a sedan, a minivan, a stretch limousine, an SUV, or an SUV super-stretch limo.
• Lyft – This lowest cost Lyft service will grant you a request for a regular four-seat car.
• Lyft Line – Lyft Line matches you with other riders headed your way. You not only share your ride, but you also share the cost, giving you the convenience of a traditional Lyft at a lower price.
• Lyft Lux – A premium black car service limited to only the most luxurious makes and models.
• Lyft Plus – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs.
• Lyft Lux SUV – A premium black SUV service with space for up to six passengers.
• Lyft Premier – Lyft’s luxury service. A request for a Lyft Premier will grant you a high-end four-seat car.
• Lyft XL – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs.
• Talixo – Talixo riders can choose from an economy, business, or luxury class vehicle at different prices with seats for up to seven passengers.
• Uber Pool – UberPool matches you with other riders headed your way. You not only share your ride, but you also share the cost, giving you the convenience of an Uber X at a lower price. Uber charges a $1 fee to bring a second passenger into your Pool ride.
• Uber Select – This service is similar to Uber Black, but the car with four leather seats doesn’t have to be black. It’s a step above UberX, and costs slightly less than Uber Black.
• Uber X – This budget service gives riders a regular-size car that seats four.
• Uber XL – Uber’s service for larger groups will seat up to six passengers.

E-star Repair Shops

A program from Esurance, E-star helps drivers find the best repair shops in their areas. According to E-star, these are the top nine repair shops in and around North Las Vegas:

CALIBER – NORTH LAS VEGAS
4527 LOSEE ROAD
NORTH LAS VEGAS, NV 89081
email: [email protected]
P: (702) 386-9119
F: (702) 386-9110

CALIBER – LAS VEGAS – RICKY RD.
5360 RICKY RD.
LAS VEGAS, NV 89130
email: [email protected]
P: (702) 597-5555
F: (702) 527-5556

CALIBER – NORTH LAS VEGAS – E. CRAIG RD.
3873 E CRAIG RD.
NORTH LAS VEGAS, NV 89030
email: [email protected]
P: (702) 912-2800
F: (702) 912-1414

SERVICE KING NORTH RANCHO
3343 North Rancho Drive
LAS VEGAS, NV 89130
email: [email protected]
P: (702) 395-6782
F: (702) 396-3805

SERVICE KING AZURE
7530 W AZURE
LAS VEGAS, NV 89130
email: [email protected]
P: (702) 951-8299
F: (702) 951-8502

CALIBER – LAS VEGAS DOWNTOWN
3131 FREMONT
LAS VEGAS, NV 89104
email: [email protected]
P: (702) 641-4190
F: (702) 457-4755

CALIBER – LAS VEGAS – PROCYON ST.
5228 S. PROCYON ST.
LAS VEGAS, NV 89118
email: [email protected]
P: (702) 739-9713
F: (702) 597-2575

CALIBER – HENDERSON – EAST
975 AMERICAN PACIFIC DR.
HENDERSON, NV 89014
email: [email protected]
P: (702) 263-9559
F: (702) 269-8022

CALIBER – HENDERSON
7730 EASTGATE DRIVE
HENDERSON, NV 89052
email: [email protected]
P: (702) 240-9119
F: (702) 558-3268

Weather in North Las Vegas

U.S. Climate Data reveals that North Las Vegas’s temperatures are warm throughout the year, with average highs of 82 and lows of 56 degrees. With less than five inches of annual rainfall, the climate is dry.

City-Data shows that Clark County averages 11 natural disasters yearly, which is just below the U.S. average of 13. Every year, roughly three natural disasters lead to emergency declarations, and four are presidential declarations.

Below is a breakdown of the causes of disasters. Note: some incidents may be assigned to more than one category.

• Fires: 4
• Floods: 3
• Heavy Rains: 2
• Snowstorms: 2
• Storms: 2
• Flash Flood: 1
• Hurricane: 1

Though the climate is dry, the data shows that Clark County is subject to occasional heavy rains and flooding, and even a few snowstorms.

Because of the unpredictable nature of weather, it makes sense to buy comprehensive car insurance for protection from floods, storms, and other hazards that can damage your vehicle.

Public Transit in North Las Vegas

The major form of public transportation available in North Las Vegas is the Regional Transportation Commission of Southern Nevada (RTC) Transit bus service.

Riders can buy two-hour or 24-hour passes in person at the Bonneville Transit Center or the RTC administrative building, at approved vendor locations around the city, or through the rideRTC transit app.

Bonneville Transit Center (BTC)
101 E. Bonneville Ave.
Open seven days a week
7:15 a.m. to 5:45 p.m.

RTC Admin Building
600 S. Grand Central Pkwy.
Monday through Thursday; closed on Fridays
7:15 a.m. to 5:45 p.m.

The RTC offers reduced fares for veterans, youth (age six to 17), students (K-12), senior citizens (60 and over), persons with disabilities, Medicare-eligible persons, and mobility-trained customers.

Children age five and younger ride free and must be accompanied by an adult. Children and youth ages six to 17 qualify for a reduced fare.

A single bus ride costs $2 at the regular fare price; at the reduced price, they’re $1. Riders can pay for their fares on the bus before they board. Two-hour passes cost $3 and 24-hour passes are $5. The RTC website offers more details about the costs of seven-day, 15-day, and 30-day passes.

Cost of Alternate Transportation in North Las Vegas

Bike rental services operate within driving distance (five miles away) in North Las Vegas. A one-day rental generally costs $100 or less.

Parking in North Las Vegas

Several parking lots and garages are available throughout North Las Vegas, together with street-level parking.

ChargeHub lists 265 of the most popular electric car charging stations within 10 miles of North Las Vegas. Twenty percent of them are free. Most of them are Level 2, but some Level 3 charging ports are also available. The main charging networks are Blink and ChargePoint.

Air Quality in North Las Vegas

Pollution from vehicle exhaust has been linked to health issues and even climate change. The pollution not only goes directly into the earth’s atmosphere, but it also reacts with other pollutants, which make the situation worse. Children and people with chronic illnesses can be most sensitive to the effects.

Below are the Environmental Protection Agency (EPA) air quality statistics for Clark County from 2016 to 2018.

As shown above, in recent years, the air quality in the area has remained steady, though the number of days “unhealthy for sensitive groups” have increased.

Under the Nevada Department of Motor Vehicles Emissions Control program, emission inspections are required for many original vehicle registrations and each annual renewal for vehicles in urban areas of Clark County.

Emissions tests are valid for 90 days. These tests are also required for reinstatement of a suspended registration.

You may renew your vehicle registration at participating stations, on the internet, at a kiosk, by mail, or in person at a Department of Motor Vehicles (DMV) office. The DMV receives the test results immediately, and you will receive a vehicle inspection report.

Passenger cars, trucks, RVs, and motor homes need an emissions test if they are:

• Gas-powered (regardless of weight or size)
• Diesel-powered, with a manufacturer’s gross vehicle weight rating up to and including 14,000 pounds
• 1968 model year or newer
• New vehicles on their third registration. First and second registrations are exempt. Hybrids are exempt for five model years.

Nevada requires used car dealers to issue a valid emissions test on any vehicles they sell. In private transactions, the test is the buyer’s responsibility.

The following vehicles are exempt from emissions testing:

• 1967 model year or older
• Motorcycle or moped
• Alternative fuel vehicles
• Diesel vehicles with a gross vehicle weight of 14,001 pounds or greater.
• Transfer of ownership/registration if the last test was conducted within 90 days before the transfer.
• Transfer of ownership/registration between husband and wife.
• Transfer of ownership/registration between companies whose principal business is leasing vehicles if there is no change in the lessee or operator of the vehicle.
• Vehicles registered as a Classic Rod, Classic Vehicle, or Old Timer, and driven

If your vehicle fails the initial emission test, you must repair it, and it must pass a second test to become eligible for registration. If it still fails after repairs, it may be eligible for a waiver if it meets the requirements.

If your registration has expired or is about to expire, you may present the failed emissions test at a DMV office to receive a temporary movement permit. They may charge you late fees and/or you may face a law enforcement citation if you operate a vehicle on public streets with an expired registration.

The owner or any facility the owner chooses may make repairs. However, vehicles in Clark County require repair at a 2G licensed authorized station to be eligible for a waiver.

Military/Veterans

It’s not always easy to find out which insurance providers offer discounts to veterans and active military. And not all of them do.

To help you in your quest, you’ll find that information further below. We also cover more facts and data about local military personnel, including the eras when most veterans in North Las Vegas served.

So, get ready to learn more.

– Veterans by Service Period

According to Data USA, most veterans who live in North Las Vegas served in the most recent Gulf War (5,846), which is 1.33 more than any other conflict, such as the Vietnam War and the 1990s Gulf War.

– Military Bases Within an Hour

The Creech and Nellis Air Force bases are within an hour away from North Las Vegas.

Creech Air Force Base in Indian Springs, formerly known as Indian Springs Air Force Auxiliary Field, was renamed in 2005 in honor of General Wilbur L. “Bill” Creech.

As the commander of Tactical Air Command from 1978 to 1984, General Creech shaped the Air Force of today with a call for new weapons and tactics.

The combat-ready airmen of the 432nd Wing who serve there fly the MQ-1 Predator and MQ-9 Reaper aircraft to support American and coalition fighters. The unmanned aircraft systems provide real-time reconnaissance, surveillance, and precision attack capabilities against fixed and time-critical targets.

The older of the two bases, Nellis opened as the Las Vegas Army Air Field in 1941, during World War II. It was renamed in 1950.

The base has prepared pilots for the Korean War and became a part of testing programs for new aircraft. It’s known for its testing and tactics development programs, training schools, and as a ground for equipping the Air Force with the latest technologies and strategies.

Military Discounts by Providers

If you are or were in the U.S. military, most car insurance companies will want to give back by giving you military discounts.

Below is a list of known providers who give military discounts. We excluded those who offer discounts only to certain states.

Military Auto Insurance Discounts

*USAA gives a 15 percent military garage discount for garaging cars on a military base.  

USAA in North Las Vegas

USAA provides car insurance only to U.S. military personnel and their families. The company’s insurance premiums tend to cost less than those of standard insurers.

Below, you will see how USAA’s and other insurers’ rates compare to the average annual cost of full coverage premiums in North Las Vegas, $5,797.39.

USAA Monthly Auto Insurance Rates in Nevada vs State Average

As shown, USAA offers the best rates in Nevada, at 36 percent less than the annual state average premium.

Unique City Laws

Every city and town has its own laws. If you’re not aware of the most important ones, you may break a law without realizing it.

We want you to remain a law-abiding citizen. So to help you reach that goal, below, you’ll find some data on laws unique to North Las Vegas, from hands-free laws to tiny houses and parking regulations.

Are you ready to learn more?

– Hands-Free Law

Nevada law prohibits all drivers from using hand-held devices while they’re behind the wheel. The state also bans texting.

Texting, using the internet, and operating handheld devices while driving has been illegal in Nevada since 2011. The law lets you talk on the phone with hands-free devices.

Violators of Nevada’s distracted driving laws face a $50 fine for the first conviction in seven years, $100 for the following offense, and $250 for all other offenses.

Fines may double if the distracted driving event occurred in a work zone. The DMV doesn’t see first offenses as moving violations.

Food Trucks

The City of North Las Vegas defines a “mobile food vendor” as any person who operates a vehicle from an approved servicing depot where food, beverages, frozen desserts, or dairy products and mixes are sold and prepared for human consumption.

The term doesn’t cover “push carts” or similar operations.

The city requires mobile food vendors to get a license for $60 yearly, and they must comply with Southern Nevada Health District regulations.

License applicants will be subject to a background check to determine their suitability for a license. Every employee of a licensee must also get a work card and undergo a background investigation.

North Las Vegas regulates where food trucks may park. They’re not allowed within 1,000 feet of “the extreme outside perimeter of school property during the hours that schools are in session or during the period of one hour after the close of such sessions.”

They also can’t operate from one hour after sunset to three hours before sunrise unless they serve “a bona fide construction job or a commercial place of business.”

Mobile food vendors’ trucks must have trash receptacles, and each vendor is responsible for keeping the area around the vehicle free of litter.

– Tiny Homes

Tiny homes appeal to people who want to simplify their lives. Before you abandon standard housing, you should be aware that tiny homes have specific regulations.

A tiny home is usually considered a mobile home and must follow the same laws. If you are on a plot of land, you will need access to a septic tank, water, and other utilities before you can be approved to live on the land legally.

The Las Vegas-Henderson area has several tiny home parks built to area building code regulations. These homes, whether they’re made from kits, out of old RVs, or shipping containers, can cost anywhere from a few thousand dollars to up to $75,000 or more.

– Parking Laws

The City of North Las Vegas Parking Services Division states that parking against the flow of traffic is illegal.

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North Las Vegas Car Insurance FAQs

Though we’ve given you a lot of information, you might still have some questions.

Below, we’ll answer some of the most frequently asked questions about North Las Vegas and the car insurance available there.

So, read on to find out more.

What area is considered to be North Las Vegas?

Located in the Mojave Desert, North Las Vegas is north of Las Vegas and north of the unincorporated town of Sunrise Manor. According to the United States Census Bureau, the city has a total area of 78.5 square miles (203 km2), all of it land.

Is North Las Vegas a good place to live?

According to Niche, a site that ranks cities, schools, and neighborhoods based on federal government data, the neighborhood of Aliante is “a good place to live if you don’t mind the noise/smells.”

They also consider it a great place to raise a family because its population is diverse and it’s located in one of the safest parts of North Las Vegas.

How far is North Las Vegas from Las Vegas?

Distance Between Cities reports that North Las Vegas is 13.38 miles from Henderson in a southeast direction and 17 miles (27.36 kilometers) away by car, following the I-515 S and US-93 S and US-95 S routes. If you drive nonstop, North Las Vegas and Henderson are 20 minutes far apart.

What kind of car insurance is required in North Las Vegas?

It’s unsafe to drive without insurance, and in Nevada, you must have it if you drive there. Nevada state insurance laws require drivers to buy car insurance in the following minimum amounts:

• $25,000 per person — to cover the bodily injury or death of any person from an accident the driver caused
• $50,000 per accident — to cover total bodily injury or death liability that occur from an accident the driver caused
• $20,000 per accident — to cover the total property damage from an accident the driver caused

Liability coverage pays for property damage expenses, medical bills, and other costs any driver, passenger, or pedestrian incurs from an accident you cause.

But those requirements are just the minimum. To better protect yourself and others, if you can afford it, it makes sense to buy more coverage than required.

Also, in Nevada, whoever causes an accident is responsible, or at fault, for any damages. If you lack enough coverage to pay for all of the damages, you may need to pay out of pocket.

This video further explains liability insurance in Nevada:

Your insurance also won’t cover damages someone else causes, so to cover that, you may need MedPay, Personal Injury Protection (PIP), or collision coverage.

What are the penalties for driving without car insurance in North Las Vegas?

Driving without car insurance coverage is illegal in Nevada. If you’re caught driving without it, you may face penalties of $250 to $1,000 — the amount varies based on how long your coverage lapsed. In the first 30 days without coverage, the DMV will suspend your license, but you won’t need to pay any fines.

For coverage lapses between 31-90 days, you will pay a $250 fine. Coverage lapses of 91-180 days will incur a fine of $500. For drivers who drive without insurance for 181 days or longer, the penalty is $1,000.

If your coverage lapse is longer than 91 days, you must file an SR-22 form to have your license reinstated, and you pay more for insurance premiums as a “high-risk” driver.

Your license may also be revoked and require reinstatement with proof of insurance and payment of fees ranging from $250 to $750.

Law enforcement officials use the Nevada DMV’s LIVE (Liability Insurance Validation Electronically) system to find out if drivers have insurance. They can even check it while they pull over a driver.

How much is car insurance in North Las Vegas?

As we mentioned earlier, the average cost of annual auto insurance premiums in the city varies by your zip code — generally from $5,797.39 to $7,347.44. Depending on your needs and situation, you may pay more or less than average.

What do you think? Have you learned enough about car insurance in North Las Vegas?

If you’re ready to see how much you may pay for car insurance in North Las Vegas, enter your zip code.

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