The words "bargain" and "auto insurance" probably shouldn't be used together, specifically when you are shopping around for the best car insurance for teenagers. Because it's so expensive, let's introduce you to some of the things that can significantly affect auto insurance prices, and find out if we can help you reduce the price of the next policy you buy.

The car, truck, or SUV you are seeking coverage for is one of the largest considerations when comparing economical coverage for teenagers. Vehicles with more horsepower, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The table below features auto insurance costs for a selection of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure for Teenagers in Nevada
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,700
Ford Escape Limited 4WD $2,904
Toyota Prius $2,934
Ford Explorer XLT 4WD $3,028
Dodge Grand Caravan SE $3,035
Volkswagen Jetta 2.0T Station Wagon $3,111
Chevrolet Impala LS $3,177
Ford Focus S 4-Dr Sedan $3,183
Toyota Tacoma 2WD $3,177
Chevrolet Equinox LS 2WD $3,205
Jeep Grand Cherokee Laredo 2WD $3,213
Toyota RAV4 4WD $3,205
Ford F-150 Lariat Super Cab 4WD $3,234
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,349
Hyundai Elantra Blue 4-Dr Sedan $3,354
Toyota Camry SE $3,382
Ford Edge Sport 2WD $3,392
Toyota Corolla LE $3,382
Chevrolet Malibu LTZ $3,411
Nissan Altima Hybrid 4-Dr Sedan $3,418
Honda Odyssey Touring $3,411
Ford Fusion SE 4-Dr Sedan $3,420
Chevrolet Silverado 3500HD LT Crew Cab 2WD $3,439
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Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise prices significantly.

Based upon the rates shown, you can presume that cars like the Honda CR-V, Ford Escape, Toyota Prius, Ford Explorer, and Dodge Grand Caravan are going to be a few of the most economical vehicles to insure for teen drivers. The price for car insurance will trend higher just because there is more claim exposure for teenagers, but overall those vehicles will probably have the cheapest rates compared to other vehicles.

One of the more important criteria that are looked at to determine the amount you pay for auto insurance is where your car is garaged in Nevada. Cities with larger populations or higher claim trends like Winchester, Spring Valley, and North Las Vegas tend to have higher auto insurance costs, whereas less populated areas have the gratification of cheaper auto insurance rates.

The next table shows the most expensive areas in Nevada for teenagers to buy car insurance in.

Nevada cities ranked by car insurance cost
Rank City Average Per Year
1 Winchester $2,180
2 Sunrise Manor $2,069
3 Spring Valley $2,060
4 Paradise $2,001
5 North Las Vegas $1,900
6 Las Vegas $1,873
7 Enterprise $1,851
8 Henderson $1,715
9 Boulder City $1,511
10 Pahrump $1,364
11 Sparks $1,317
12 Mesquite $1,311
13 Sun Valley $1,305
14 Reno $1,282
15 Spanish Springs $1,216
16 Gardnerville Ranchos $1,138
17 Fernley $1,137
18 Dayton $1,130
19 Elko $1,125
20 Carson City $1,124
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Premium costs are approximated as zip code location can lower or raise premium rates substantially.

Driving violations and accidents

A great way to receive good auto insurance prices in Nevada for teen drivers is to be an attentive driver and avoid traffic citations and accidents. The illustration below shows how speeding tickets and fender-benders can affect insurance prices for different age groups. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of car insurance in Nevada per year with no violations or accidents is $1,971. Get written up for two speeding tickets and the average cost hikes up to $2,605, an increase of $634 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for teenagers in Nevada increases to an average of $5,066. That's an increase of $3,095, or $258 per month, just for not being attentive to the road!

Choosing the best car insurance company can be a challenge considering how many choices you have in Nevada. The rank data below can help you analyze which coverage providers to look at shopping your coverage with. These rankings only include large, nationwide insurance companies, so companies that have a smaller presence will not be included in these rankings.

Top 10 Large Car Insurance Companies in Nevada Ranked by Customer Service

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

Top 10 Large Car Insurance Companies 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

Difference between liability only and full coverage rates

Saving money when shopping for auto insurance should be important to the majority of drivers, and one common way to buy cheaper insurance for teenagers in Nevada is to not buy full coverage. The example below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no policy discounts are applied.

If we average all the age groups together, full coverage on your policy costs $1,728 per year more than buying just liability insurance. That brings up the question if buying full coverage is worth the expense. There is no definitive guideline of when to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.