It's hard to miss the catchy advertisements from car insurance companies like The General and Liberty Mutual that promise dirt cheap rates. So drivers just need to pick the one with the catchiest commercial, right?

It's not that easy, however, as there are a whole slew of unknown elements such as the amount of liability insurance you need, whether or not you have had gaps between policies, and any driving violations you may have. The content below will cover the types of things that cause high car insurance rates and also should give you a good start in finding the cheapest insurance for men age 20.

Establishing which company has the cheapest car insurance rates for 20 year old guys in Nevada calls for a little more work than just quoting one company's rates. Each insurance company uses a little different formula for setting prices, so we'll take a look at the car insurance companies with the overall cheapest rates in Nevada.

It's important to know that Nevada car insurance rates are determined by lots of factors that control your annual premium. Simply having a birthday, buying a home instead of renting, or having a fender bender can trigger rate changes that can now make some companies cheaper than competitors.

Lowest Insurance Price Quotes for Men Age 20

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Travelers normally has some of the lowest car insurance rates in Nevada at around $912 annually. This is $662 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also are some of the most economical Nevada car insurance companies.

As the rates illustrate above, if you are currently insured with Capital and switched to Travelers, you might achieve savings of around $66. Drivers with Oregon Mutual might save as much as $246 a year, and American Family policyholders might reduce rates by $282 a year.

To get a fast rate comparison, click here to start a quote or feel free to get quotes from the companies below.

Bear in mind that those rates are averages for all insureds and vehicles and are not factoring in a rate surcharge for 20 year old guys. So the auto insurance company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

For young men, one of the largest things that aid in calculating the amount you pay for auto insurance is where your residence is. Cities with larger populations or higher claim trends like Winchester, Sunrise Manor, and Enterprise are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The next table sorts the priciest cities in Nevada for 20 year old guys in which to buy car insurance.

Where does Nevada rank for car insurance cost?
Rank City Premium Per Year
1 Winchester $2,158
2 Paradise $2,041
3 Sunrise Manor $2,008
4 Spring Valley $2,000
5 Enterprise $1,927
6 Las Vegas $1,892
7 North Las Vegas $1,882
8 Henderson $1,767
9 Boulder City $1,557
10 Mesquite $1,365
11 Pahrump $1,337
12 Sun Valley $1,292
13 Reno $1,282
14 Sparks $1,265
15 Spanish Springs $1,229
16 Carson City $1,170
17 Gardnerville Ranchos $1,116
18 Fernley $1,115
19 Elko $1,114
20 Fallon $1,108
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Rate quotes are estimated as vehicle location can modify prices substantially.

Full coverage rates compared to liability-only

Lowering the price of car insurance is the goal of the majority of drivers, and one easy way to find cheaper insurance for 20 year old guys in Nevada is to only buy liability insurance. The chart below illustrates the comparison of yearly insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no other discounts are factored in.

If averaged for all ages, physical damage coverage costs $1,728 per year over and above liability coverage. A very common question is when is the right time to remove full coverage. There is no exact rule to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

Finding the right auto insurance provider is difficult considering how many companies sell coverage in Nevada. The information in the lists below could help you decide which coverage providers you want to consider purchasing coverage from. The rankings below are only made up of the largest companies in America, so companies without a large exposure are not included in this list.

Best Car Insurance Companies for a 20 Year Old Male in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies

Get discounts on Nevada auto insurance rates

Insurance companies that provide policies for 20 year old guys may provide rate discounts that could lower prices by as much as 35% if you meet certain criteria. A list of companies and some of the premium reductions they offer are included below.

The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paid-in-full, anti-theft, good student, paperless filing, vehicle safety, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance for 20 year old guys is 21% or $477.

How to find budget-friendly insurance for 20 year old guys in Nevada

It's not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help Nevada drivers find cheaper car insurance.

The last item on the list is certainly significant, as we noted in this article. Coverage prices can change considerably based on profitability, so don't be tentative to buy from a new company if you find a better deal. Staying with the same car insurance company is fine, but it isn't a good idea if that devotion results in you overpaying money that could be spent on other things. Now is a great time to compare rates and find cheaper auto insurance for 20 year old guys.