No such luck in Sin City.

No tickets or accidents,

All cars have the BI of $100K each occurrence and $50K per person

PD of $100K each occurrence and $250/$500...Comp/Coll, Towing, etc.

Cars:
1996 BMW Z3
2001 BMW X5
2001 Mazda Protege

Total for the year...$5696. Teen driver accounts for over half of the total. If you've seen the drivers in Vegas...the rates make sense. Painful nonetheless.