For student drivers, one of the more important factors that determine car insurance rates is the neighborhood you call home. Cities with larger populations or higher claim trends like Winchester, Sunrise Manor, and Las Vegas likely pay more, whereas areas with less crime or weather claims profit from lower rates.

The next table sorts the most costly cities in Nevada for good students in which to purchase auto insurance.

How much does car insurance cost in Nevada?
Rank City Annual Rate
1 Winchester $2,180
2 Paradise $2,061
3 Sunrise Manor $2,029
4 Spring Valley $1,980
5 Las Vegas $1,930
6 North Las Vegas $1,900
7 Enterprise $1,851
8 Henderson $1,697
9 Boulder City $1,557
10 Pahrump $1,377
11 Mesquite $1,365
12 Sun Valley $1,305
13 Sparks $1,304
14 Reno $1,256
15 Spanish Springs $1,229
16 Fernley $1,149
17 Carson City $1,124
18 Gardnerville Ranchos $1,116
19 Spring Creek $1,114
20 Dayton $1,108
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Prices are estimated as the specific garaging location can affect prices considerably.

The car, truck, or SUV requiring insurance is one of the main factors when comparing quotes for the most affordable car insurance for good students. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost much less to insure than high performance models.

The next list outlines coverage prices for a selection of the cheapest vehicles to insure.

Cheapest Vehicles to Insure for Good Students in Nevada
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $2,700
Hyundai Elantra GLS Touring Station Wagon $2,710
Ford Escape Limited 2WD $2,727
Toyota Prius $2,934
Ford F-150 STX Super Cab 2WD $3,000
Honda Odyssey LX $3,010
Ford Edge SE 2WD $3,000
Ford Explorer XLT 2WD $3,028
Volkswagen Jetta 2.0T Station Wagon $3,111
Toyota Tacoma 2WD $3,177
Chevrolet Impala LS $3,182
Jeep Grand Cherokee Laredo 4WD $3,205
Chevrolet Equinox LT 2WD $3,214
Ford Fusion S 4-Dr Sedan $3,205
Dodge Grand Caravan Hero $3,212
Toyota RAV4 2WD $3,205
Dodge Ram 3500 Crew Cab Laramie 2WD $3,234
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Cost estimates assume 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. Prices do not factor in vehicle location which can change price quotes significantly.

Looking at the rates, we can expect cars like the Honda CR-V, Hyundai Elantra, Ford Escape, Toyota Prius, and Ford F-150 should be some of the most affordable vehicles to insure for student drivers.

Ratings for Nevada car insurance companies

Choosing the top insurance provider can be challenging considering how many choices you have in Nevada. The rank data listed below could help you choose which auto insurers you want to consider when comparing rate quotes. These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for the list.

Top 10 Major Auto Insurance Providers 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

Top 10 Major Auto Insurance Providers in Nevada Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. Liberty Mutual
  6. GEICO
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

The diagram below illustrates how your deductible choice can influence premium costs when trying to find cheap insurance for good students in Nevada. The premium estimates are based on a single male driver, comp and collision included, and no discounts are applied.

A 30-year-old driver could lower their policy premium by $386 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $578 by switching to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could reduce their rates up to $1,144 annually by choosing a higher deductible. When using a larger deductible, it's a good idea to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Get discount Nevada auto insurance

Car insurance companies that offer cheap quotes for good students may additionally offer rate discounts that could lower prices by as much as 25% or more if you meet certain criteria. A few popular companies and the discounts they provide include:

The information below visualizes the comparison of annual premium costs with and without discounts applied to the rates. The costs are based on a male driver, a clean driving record, no claims, Nevada state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, continuous coverage, good student, paperless filing, paid-in-full, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for good students is 28% or $697.

Ideas for buying cheaper auto insurance for good students

The list below shows a few thrifty suggestions that can help Nevada drivers get cheap coverage.

The last suggestion is remarkably valuable, as we noted in this piece. Auto insurance rates can be adjusted at any time, so don't hesitate to switch companies if you find a cheaper price.

Staying with the same car insurance company is fine, but it's not a great idea if that loyalty ends up costing hundreds every year. It only take a few minutes to shop around and find cheaper car insurance for good students.