Finding good, cheap insurance is difficult, and finding out which companies have the cheapest car insurance rates in Dayton will require even more shopping around. Each company uses their own method for filing rates in each state, so let's take a look at the car insurance companies with the most affordable rates in Nevada.
We do need to point out that Dayton, NV car insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Events such as a birthday, buying a higher-value vehicle, or getting a couple of tickets can trigger changes in premium resulting in some rates now being cheaper in comparison to the competition.
|Rank||Company||Cost Per Year|
|Find Your Rate Go|
Travelers has some of the most affordable car insurance rates in Dayton at around $903 a year. Allied, Capital, Oregon Mutual, and American Family also make the cut as some of the most economical Dayton, NV insurance companies.
As the rates illustrate above, if you are a customer of Oregon Mutual and switched to Travelers, you might achieve yearly savings of roughly $255. Insureds with American Family might save as much as $279 a year, and Progressive insureds might lower prices by up to $299 a year.
To find cheaper insurance rates for your vehicle, click here to start your custom quote or visit any of the companies below.
Be aware that those premium estimates are averaged for all types of insureds and vehicles and and are not figured with an exact zip code location in Dayton. So the company that has the cheapest price for you may not even be in the top 20 companies in the list above. That point stresses why you need to quote rates from as many companies as possible using your own individual information.
For drivers in Dayton, one of the more important components that are looked at to help calculate car insurance rates is where you live. Larger areas tend to have higher rates, whereas areas that tend to be more rural receive better rates.
The information below rates the most costly cities in Nevada in which to buy car insurance. Dayton is ranked #21 costing $1,108 for coverage, which is about $92 monthly.
|7||North Las Vegas||$1,826|
|Start a Quote Go|
Premium costs are estimated as the specific geographic location can change coverage rates noticeably.
The make and model of vehicle you are buying coverage for is one of the primary factors when comparing the best insurance in Dayton. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than more modest models.
The table below features insurance premiums for a selection of the more affordable vehicles to insure in Nevada.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$882|
|Volkswagen Jetta S 2.5 Station Wagon||$937|
|Dodge Grand Caravan CV||$969|
|Chevrolet Impala LT||$1,024|
|Honda Accord LX-P 4-Dr Sedan||$1,060|
|Ford Escape Limited 2WD||$1,085|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,098|
|GMC Sierra SLT Extended Cab 2WD||$1,103|
|Honda Civic SI 4-Dr Sedan||$1,129|
|Hyundai Elantra SE Touring Station Wagon||$1,153|
|Toyota Camry Hybrid||$1,169|
|Toyota RAV4 4WD||$1,174|
|Compare Rates Now Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Dayton, NV which can influence rates greatly.
Looking at the rates, you can see that vehicles like the Honda CR-V, Volkswagen Jetta, and Toyota Prius are going to be the less-costly vehicles to insure for drivers in Dayton.
Liability rates compared to full coverage
Finding the cheapest auto insurance is important to the majority of drivers, and one of the fastest ways to find cheaper insurance in Dayton is to only buy liability insurance. The chart below shows the comparison of car insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no violations or claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, full coverage costs an additional $1,455 per year over and above liability only. That amount may make you wonder when is it safe to stop buying full coverage. There is no specific rule to drop physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
How to get discounts on Dayton insurance
Car insurance companies that provide policies in Dayton could also offer price discounts that can lower rates by 40% or more if you are eligible to receive them. A few popular companies and their possible discounts are included below.
- State Farm has discounts for safe vehicle, driver's education, passive restraint, good student, multiple autos, Steer Clear safe driver discount, and student away at school.
- American Family has savings for air bags, Steer into Savings, early bird, bundled insurance, accident-free, and mySafetyValet.
- AAA offers discounts for good driver, multi-policy, multi-car, pay-in-full, AAA membership discount, and education and occupation.
- GEICO may include discounts for anti-lock brakes, multi-policy, air bags, anti-theft, five-year accident-free, and multi-vehicle.
- Mercury Insurance discounts include professional/association, accident-free, good student, anti-theft, multi-car, and ease of repair.
- Farmers Insurance includes discounts for good student, multi-car, mature driver, bundle discounts, and distant student.
- Progressive offers premium reductions for continuous coverage, homeowner, online quote discount, online signing, multi-vehicle, and good student.
The example below illustrates the comparison of auto insurance costs with and without discounts applied to the premium. The information is based on a female driver, no claims or driving citations, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, claim-free, homeowner, passive restraint, defensive driving course, and marriage discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance in Dayton is 27% or $424.