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.
|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|
|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.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,826|
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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
|Rank||Company||Cost Per Year|
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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
- USAA - A++
- Travelers - A++
- GEICO - A++
- State Farm - A++
- The Hartford - A+
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Titan Insurance - A+
Top 10 Major Auto Insurers in Nevada Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- 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.
- Progressive offers discounts for online quote discount, continuous coverage, homeowner, online signing, and good student.
- AAA may include discounts for pay-in-full, education and occupation, AAA membership discount, good driver, and multi-policy.
- Farmers Insurance discounts include switch companies, early shopping, homeowner, multi-car, pay in full, and alternative fuel.
- GEICO policyholders can earn discounts including air bags, multi-vehicle, membership and employees, five-year accident-free, driver training, multi-policy, and seat belt use.
- Esurance may offer discounts for emergency road assistance, homeowner, good driver, anti-theft, and online quote.
- SAFECO offers discounts including safe driver, anti-lock brakes, anti-theft, drive less, multi-car, and teen safety rewards.
- State Farm has savings for Steer Clear safe driver discount, student away at school, good student, defensive driving training, anti-theft, and driver's education.
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.