It's impossible to miss the catchy advertisements from insurers like Liberty Mutual and The General guaranteeing big savings, so you just need to pick the company with the cutest commercial, right?

That is not the case, however, as there are many unknown elements like your gender, the number of miles you drive in a year, and your marital status, that all go into determining the rate you pay. We will attempt to cover the best ways to find cheap car insurance and will give you some help in finding cheaper rates.

The make and model of vehicle driven is one of the biggest factors when comparing the most economical auto insurance for immigrants. Vehicles with average performance, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The data below ranks insurance premiums for a number of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure for Immigrants in Nevada
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $660
Honda CR-V LX 4WD $668
Ford Edge Limited 2WD $765
Ford Escape Limited 2WD $773
Dodge Grand Caravan Hero $780
Toyota Camry LE $789
Chevrolet Silverado LS Extended Cab 4WD $780
Toyota Tacoma Double Cab TRD Sport Package 4WD $795
GMC Sierra 2500HD SLE Crew Cab 4WD $835
GMC Sierra SLE Extended Cab 4WD $845
Dodge Ram Crew Cab ST 2WD $854
Toyota RAV4 2WD $896
Chevrolet Equinox LT AWD $902
Chevrolet Impala LT $896
Toyota Prius $898
Dodge Ram 3500 Crew Cab Laramie 2WD $913
Ford F-150 XLT Crew Cab 4WD $920
Ford Explorer Limited AWD $913
Ford Focus SES 4-Dr Sedan $926
Honda Odyssey EX-L $942
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can revise premiums greatly.

Looking at the rates, we can conclude that models like the Honda Accord, Honda CR-V, and Ford Edge are most likely going to be a few of the most affordable vehicles to insure for foreigners.

For foreigners, one of the largest things that are used to help calculate the cost of insurance is where your residence is. Areas with more people or higher crime rates like Winchester, Sunrise Manor, and Las Vegas tend to have higher rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.

The following table ranks the priciest cities in Nevada for immigrants to purchase auto insurance in.

Most expensive Nevada cities for auto insurance
Rank City Premium Per Year
1 Winchester $2,180
2 Paradise $2,041
3 Sunrise Manor $2,008
4 Spring Valley $2,000
5 Las Vegas $1,930
6 Enterprise $1,908
7 North Las Vegas $1,826
8 Henderson $1,749
9 Boulder City $1,557
10 Pahrump $1,377
11 Mesquite $1,365
12 Sparks $1,304
13 Reno $1,294
14 Sun Valley $1,266
15 Spanish Springs $1,216
16 Fernley $1,149
17 Gardnerville Ranchos $1,138
18 Carson City $1,136
19 Spring Creek $1,114
20 Elko $1,114
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Table data uses approximated as the vehicle garaging location can decrease or increase coverage rates greatly.

Finding decent, budget car insurance is challenging, and deciding which companies offer the cheapest auto insurance rates for immigrants in Nevada takes more quotes for comparison.

Each insurance company has a different process to determine rates, so let's take a look at the auto insurance companies with the most affordable rates in Nevada. It's important that you understand Nevada auto insurance rates are influenced by many factors that may substantially change the price you pay. Simply turning a year older, buying a higher-value vehicle, or getting a ticket for careless driving may generate price changes that can make some companies cheaper than others.

Best Auto Insurance Prices for Migrants

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Who has the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Allied $939
2 Travelers $939
3 Capital $988
4 American Family $1,182
5 Oregon Mutual $1,193
6 Progressive $1,202
7 GEICO $1,219
8 Nationwide $1,282
9 Safeco $1,320
10 USAA $1,323
11 Farmers $1,482
12 MetLife $1,615
13 Country $1,651
14 State Farm $1,698
15 Mercury $1,825
16 Victoria $2,011
17 Liberty Mutual $2,161
18 Bristol West $2,313
19 Allstate $2,337
20 Encompass $2,604
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Allied generally has some of the most affordable car insurance rates in Nevada at around $939 a year. Travelers, Capital, American Family, and Oregon Mutual also qualify as some of the cheapest Nevada auto insurance companies.

As the example above demonstrates, if you are currently insured with American Family and switched to Allied, you might see yearly savings of approximately $243. Insureds with Oregon Mutual may save as much as $254 a year, and Progressive insureds might lower prices by $263 a year.

Be aware that those premium estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a price discount for immigrants. So the car insurance company that fits you best may not even be in the list above. That points out the importance of why you need to get quotes using your own personal information and vehicle type.

How violations and accidents impact rates

One of the best ways to earn the best auto insurance prices in Nevada for foreigners is to drive safely and avoid accidents and traffic violations. The information below shows how violations and at-fault fender-benders impact auto insurance rates for different age categories. The rates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

In the example above, the average cost of a car insurance policy in Nevada per year with a clean driving record and no accidents is $2,368. Receive two speeding tickets and the average cost rises to $3,145, an increase of $777 each year. Now include one accident along with the two speeding tickets and the 12-month cost of auto insurance for immigrants in Nevada goes up to an average of $3,941. That's an increase of $1,573, or $131 per month, just for not being more responsible behind the wheel!

Ending up with the highest-rated insurer can be difficult considering how many companies sell insurance in Nevada. The information in the lists below could help you choose which auto insurance companies you want to consider purchasing coverage from. These ratings are only comprised of companies who write in the majority of U.S. states, so companies that focus mainly on Nevada business will not be included in the list.

Top 10 Major Auto Insurers in Nevada Ranked by A.M. Best Rating

  1. USAA - A++
  2. Travelers - A++
  3. GEICO - A++
  4. State Farm - A++
  5. The Hartford - A+
  6. Esurance - A+
  7. Nationwide - A+
  8. Allstate - A+
  9. Mercury Insurance - A+
  10. Titan Insurance - A+

Top 10 Major Auto Insurers 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

Discounts on Nevada car insurance

Auto insurance companies that offer quotes for immigrants may also offer discounts that can reduce rates by as much as 35% if you are eligible for them. The best auto insurance companies and a partial list of their discounts can be found below.

The diagram below illustrates the difference between insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no accidents, no driving violations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, vehicle safety, anti-theft, homeowner, and accident-free discounts applied. In this example, theaverage yearly reduction on auto insurance for immigrants is 28% or $487.