Finding decent, reasonably-priced auto insurance is not easy, and deciding which companies offer the best auto insurance rates in Enterprise requires additional perseverance.
Every insurance company uses a little different formula for determining prices, so let's begin by examining the most budget-friendly auto insurance companies in Enterprise. It's important to know that Enterprise, NV auto insurance rates are impacted by many things that may substantially change the policy premium. Getting older, buying a different vehicle, or getting a speeding ticket may cause policy rate changes resulting in some companies being less affordable than competitors.
|Rank||Company||Cost Per Year|
|Get Personalized Rates Go|
Travelers may have some of the lowest car insurance rates in Enterprise at around $912 each year. Allied, Capital, Oregon Mutual, and American Family would also be considered some of the cheapest Enterprise, NV auto insurance companies.
As shown in the rates above, if you are insured with Oregon Mutual and switched to Allied, you may see an annual premium reduction of approximately $209. Insureds with American Family could save as much as $245 a year, and Progressive customers might cut rates by $289 a year.
Understand that those estimates are averages for all ages of drivers and types of vehicles and and are not calculated with a specific location in Enterprise. So the company that can offer you the lowest price may not even be in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.
For drivers in Enterprise, one of the big factors that are looked at to determine the amount you pay each year for auto insurance is your zip code. Areas with more people or higher crime rates tend to pay more, whereas less populated areas have the enjoyment of a little cheaper coverage.
The next table rates the most expensive areas in Nevada to buy an auto insurance policy in. Enterprise is ranked at #6 having an annual price of $1,908 for the average policyholder, which is around $159 each month.
|7||North Las Vegas||$1,826|
|Quote Best Rates Go|
Rate quotes are comparative as specific Enterprise garaging address can influence prices substantially.
The make and model of vehicle driven is one of the main factors that determines the availability of cheaper car insurance in Enterprise. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models. The list below ranks insurance costs for the cheaper automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$2,801|
|Ford Edge SE AWD||$2,836|
|Toyota RAV4 Sport 4WD||$2,893|
|Dodge Grand Caravan Crew||$2,946|
|Ford Focus SEL 4-Dr Sedan||$2,989|
|Honda Odyssey EX-L||$3,046|
|Honda CR-V EX 4WD||$3,071|
|Jeep Grand Cherokee Limited 4WD||$3,099|
|Hyundai Sonata GLS 4-Dr Sedan||$3,102|
|Nissan Rogue SL 2WD||$3,112|
|Ford Explorer XLT 4WD||$3,145|
|Hyundai Elantra SE Touring Station Wagon||$3,259|
|Ford F-150 STX Super Cab 2WD||$3,291|
|Ford Fusion Sport AWD 4-Dr Sedan||$3,305|
|Nissan Altima 2.5 S 2-Dr Coupe||$3,308|
|Volkswagen Jetta LE 4-Dr Sedan||$3,319|
|Start a Quote Go|
Prices based on 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, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location which can increase or decrease premiums significantly.
Based on these rates, you can see that cars like the Toyota Prius, Ford Escape, and Ford Edge are likely to be some of the cheapest vehicles to insure for drivers in Enterprise.
Do you need full coverage?
Lowering the price of insurance is probably important to most drivers, and one good way to save on the cost of insurance in Enterprise is to only buy liability insurance. The chart below visualizes the comparison of insurance prices with full coverage and liability only. Data assumes no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for all age groups, full coverage costs an extra $1,297 per year more than just insuring for liability. That is a large expense which might make you wonder if you should buy full coverage at all. There is no definitive rule to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
There are a few cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.
How to find the cheapest car insurance in Enterprise
The list below summarizes some of the recommended thrifty solutions that can help drivers find more affordable coverage.
- Insure your home and auto with the same company
- Drop full coverage on older vehicles
- Increase your policy deductibles
- Vehicles with good safety ratings have lower liability rates
- Earn discounts for being claim-free
- Clean up your credit rating
- Comparison shop at least every other year
That last piece of advice is notably critical, as we emphasized in this article. Insurance prices adjust often, so drivers shouldn't be reluctant to switch carriers if a cheaper rate is available. We understand brand loyalty, but it's not a great idea if that devotion results in you overpaying lots of money. In just a couple of minutes you could shop around to find cheaper insurance in Enterprise.