For drivers on welfare, one of the largest things that aid in calculating the price you pay for insurance is where you normally keep your vehicle in Nevada. Cities with larger populations like Winchester, Sunrise Manor, and Enterprise tend to have more expensive car insurance rates, whereas less populated areas have the enjoyment of a little cheaper coverage.

The next table ranks the priciest cities in Nevada for welfare recipients to buy an auto insurance policy in.

How much does auto insurance cost in Nevada?
Rank City Annual Premium
1 Winchester $2,180
2 Paradise $2,041
3 Sunrise Manor $2,029
4 Spring Valley $2,000
5 Enterprise $1,927
6 Las Vegas $1,873
7 North Las Vegas $1,844
8 Henderson $1,767
9 Boulder City $1,511
10 Pahrump $1,377
11 Mesquite $1,365
12 Sun Valley $1,305
13 Reno $1,282
14 Sparks $1,278
15 Spanish Springs $1,266
16 Gardnerville Ranchos $1,150
17 Fernley $1,137
18 Carson City $1,124
19 Dayton $1,108
20 Fallon $1,108
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Premium costs are estimated as the specific area where the vehicle is garaged can alter premiums noticeably.

Deciding which company has the cheapest car insurance rates for welfare recipients in Nevada takes a tad more effort in order to find the lowest price quote. Each insurer has a different formula to determine premium rates, so we will examine the most affordable car insurance companies in Nevada.

Lowest Insurance Price Quotes in Nevada

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Cheapest auto insurance in Nevada ranked by cost per year
Rank Company Cost Per Year
1 Travelers $939
2 Allied $949
3 Capital $1,018
4 Oregon Mutual $1,182
5 American Family $1,194
6 GEICO $1,219
7 Progressive $1,226
8 Safeco $1,320
9 USAA $1,323
10 Nationwide $1,334
11 Farmers $1,482
12 MetLife $1,583
13 Country $1,619
14 State Farm $1,698
15 Mercury $1,825
16 Victoria $2,011
17 Liberty Mutual $2,161
18 Allstate $2,314
19 Bristol West $2,384
20 Encompass $2,684
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Travelers offers some of the cheapest car insurance rates in Nevada at around $939 annually. Allied, Capital, Oregon Mutual, and American Family also make the cut as some of the lowest-priced Nevada insurance companies.

As shown in the table above, if you are a customer of American Family and switched to Allied, you could realize an annual savings of approximately $245. Drivers with GEICO may save as much as $270 a year, and Progressive customers might lower prices by $277 a year.

Understand that those policy prices are averages across all insureds and vehicles and are not factoring in a rate decrease for welfare recipients. So the insurer that fits your needs best may not even be in the top 20 companies shown above. That's why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The make and model of vehicle you are insuring is a significant factor when consumers are trying to find the lowest-priced coverage for welfare recipients. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models.

The data below shows car insurance premiums for the most affordable automobiles to insure.

Cheapest Vehicles to Insure for Welfare Recipients in Nevada
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $669
Ford Escape XLT 4WD $684
Toyota Prius $741
Honda CR-V EX-L 2WD $747
Dodge Grand Caravan SE $749
Volkswagen Jetta S 4-Dr Sedan $791
Toyota RAV4 2WD $797
Honda Odyssey LX $802
Chevrolet Malibu LT $806
Jeep Wrangler Rubicon 4WD 2-Dr $819
Ford Explorer XLT 2WD $824
GMC Sierra 2500HD SLE Regular Cab 4WD $848
Ford F-150 Lariat Crew Cab Platinum 2WD $857
GMC Sierra 3500HD SLE Crew Cab 2WD $865
GMC Sierra SL Extended Cab 2WD $867
Chevrolet Equinox LS 2WD $875
Chevrolet Impala LT $867
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in your specific Nevada location which can increase or decrease premiums substantially.

Based upon the table data, models like the Honda Accord, Ford Escape, and Toyota Prius are most likely to be a few of the most budget-friendly vehicles to insure for drivers on welfare.

Drive safe and save

The easiest way to earn the best car insurance premiums in Nevada for drivers on welfare is to be an attentive driver and have a clean driving record. The diagram below shows how speeding tickets and at-fault claims impact premium costs for different categories of driver ages. The data is based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

The chart shows that the average cost of a car insurance policy in Nevada per year with a clean driving record and no accidents is $1,684. Get two speeding tickets and the average cost swells to $2,336, an increase of $651 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for welfare recipients in Nevada goes up to an average of $2,985. That's an increase of $1,301, or $108 per month, just for not maintaining a clean driving record!

The diagram below illustrates how your deductible choice can impact insurance costs when searching for cheap insurance for welfare recipients in Nevada. The costs are based on a single female driver, full coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could lower rates by $244 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $370 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, could drop their prices $620 or more by using a higher deductible.

If you do decide to increase your deductibles, it will now be necessary to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Why you should be shopping around

Nevada car insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay for coverage. Simply having a birthday, getting divorced, or getting a driving violation may prompt premium changes resulting in some rates now being cheaper than others. And not only may your rating factors change, but insurers amend pricing as needed in order to offset underwriting gains or losses. Higher than normal claim frequency or severity may cause a rate increase, while better underwriting can cause cheaper Nevada car insurance rates.

As an example, the bar chart below analyzes the cheapest car insurance in Nevada for a 45-year-old male driver with no accidents or violations, and good financial standing. Based on his current risk profile, Travelers has the cheapest car insurance rates in Nevada at $912 a year. This is $662 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are also included in the most affordable Nevada auto insurance companies.

Now we will pretend the driver from the first set of rates a claim surcharge, poor credit, and a speeding citation. Since each insurance company has a different formula to set policy rates, analyzing rates may now result in a different ranking of affordable Nevada car insurance companies as shown below.

GEICO now has the best price on car insurance in Nevada with Capital, Nationwide, USAA, and Allied now rounding out the top five. This example demonstrates why it is so important to shop around to get the lowest insurance rates for welfare recipients.

Car insurance prices can be determined by many different factors and change dramatically, so the lowest-price company a year ago may now be costing you a lot of money.