The vehicle model to be insured is one of the biggest factors when shopping around for the most affordable auto insurance for 16 year olds. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.

The next table presents insurance prices for a handful of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure for 16 Year Olds in Nevada
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,622
Honda Accord LX-P 4-Dr Sedan $2,628
Ford Escape Limited 2WD $2,646
Volkswagen Jetta S 2.5 Station Wagon $2,807
Toyota Prius $2,831
Honda Odyssey LX $2,928
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,933
Ford Explorer XLT 4WD $2,952
Dodge Grand Caravan CV $2,958
Ford F-150 STX Super Cab 4WD $2,976
Toyota Tacoma 2WD $3,089
Ford Edge Limited 2WD $3,095
Jeep Grand Cherokee Laredo 2WD $3,113
Toyota RAV4 4WD $3,122
Chevrolet Impala LT $3,113
Start Your Quote Go

Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific zip code location which can change auto insurance rates substantially.

Looking at the rates, we can conclude that cars like the Honda CR-V, Honda Accord, Ford Escape, Volkswagen Jetta, and Toyota Prius will be a few of the more affordable vehicles to insure for new drivers. Auto insurance rates will be more costly just due to the fact that there is more claim risk for 16 year olds, but in general those vehicles will tend to have the best rates that you are likely to find.

Trying to find affordable insurance is not most people's favorite thing to do, and finding out which company has the cheapest insurance rates for 16 year olds in Nevada takes a little more work. Coverage prices will be quite a bit more than the average policy in Nevada, with the extra cost attributed to the higher likelihood of claims related to selling insurance for new drivers, but reasonable coverage should be attainable if you carefully shop around. Each insurance company uses a different method to set their prices, so we need to take a look at the lowest cost insurance companies in Nevada.

Keep in mind that Nevada insurance rates are impacted by many factors which can substantially change the price you have to pay. This is why it is crucial to compare as many rates as possible to get affordable insurance quotes for 16 year olds. Auto insurance prices are impacted by many different factors and change substantially, so the cheapest option the last time you compared rates may now not even be in the top five.

Best Auto Insurance Prices for Teens

Compare Rates and Save

Who has the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Travelers $903
2 Allied $939
3 Capital $978
4 Oregon Mutual $1,193
5 American Family $1,194
6 Progressive $1,202
7 GEICO $1,256
8 Nationwide $1,282
9 Safeco $1,306
10 USAA $1,323
11 Farmers $1,496
12 MetLife $1,615
13 Country $1,619
14 State Farm $1,698
15 Mercury $1,825
16 Victoria $2,073
17 Liberty Mutual $2,183
18 Bristol West $2,384
19 Allstate $2,408
20 Encompass $2,604
View More Rates Go

Travelers offers some of the most affordable car insurance rates in Nevada at around $903 each year. This is $671 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family would also make the list of some of the lowest-priced Nevada car insurance companies.

As shown in the rates above, if you are currently insured with Oregon Mutual and switched to Travelers, you may see an annual savings of approximately $290. Nevada drivers with American Family could save as much as $291 a year, and Progressive insureds might reduce prices by as much as $299 a year.

To find the cheapest coverage for you, click here or quote rates from the companies below.

Remember that these prices are averages across all drivers and vehicles in Nevada and and are not figured with a rate increase for 16 year olds. So the car insurance company that can offer you the lowest price may not even be in the list above. That points out the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

One of the more important considerations that aid in calculating the price you pay for insurance is where you keep your car. Areas with a lot of weather claims or more people like Winchester, Sunrise Manor, and Las Vegas tend to pay slightly more, whereas areas that tend to be more rural can boast about having cheaper rates.

The table below rates the most costly cities in Nevada for 16 year olds to purchase auto insurance in.

How much is auto insurance in Nevada?
Rank City Annual Premium
1 Winchester $2,180
2 Paradise $2,041
3 Sunrise Manor $2,029
4 Spring Valley $1,980
5 Las Vegas $1,930
6 Enterprise $1,927
7 North Las Vegas $1,826
8 Henderson $1,749
9 Boulder City $1,495
10 Pahrump $1,323
11 Mesquite $1,311
12 Sparks $1,304
13 Reno $1,282
14 Sun Valley $1,266
15 Spanish Springs $1,216
16 Fernley $1,149
17 Gardnerville Ranchos $1,138
18 Spring Creek $1,125
19 Carson City $1,124
20 Elko $1,114
Start a Quote Go

Premium costs are approximated as vehicle location can alter premiums noticeably.

Buying coverage from a high-quality auto insurance company can be rather challenging considering how many companies provide coverage in Nevada. The information listed below could help you analyze which car insurance providers to look at when comparing auto insurance rates for 16 year olds. These ratings include the largest auto insurers in America, so companies without a large exposure will not be included in the list.

Top 10 Major Auto Insurers Overall in Nevada

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Types of discounts on Nevada auto insurance rates

Car insurance companies that offer coverage for 16 year olds may provide special discounts that may potentially lower prices by 25% or more if you meet specific criteria. A list of insurance companies and a selection of discounts are outlined below.

The information below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving violations, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, paperless filing, good student, vehicle safety, continuous coverage, and paid-in-full discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for 16 year olds is 28% or $719.

How to find economical auto insurance for 16 year olds

The list below shows many money-saving suggestions that can help Nevada drivers find lower-cost coverage.

The last tip is incredibly critical, as was stressed in the article above. Auto insurance rates fluctuate considerably, so drivers shouldn't hesitate to switch to a new company if a more affordable price is available.

Having a favorite company is great, but it's not a great idea if it's costing you big bucks every year. It only take a few minutes to compare prices and find cheaper auto insurance for 16 year olds.