Deciding which companies offer the cheapest auto insurance rates for good drivers in Nevada takes a bit more effort than just getting one or two price quotes. Each auto insurer uses their own calculation to determine premium rates, so let's examine the most affordable auto insurance companies in Nevada.
It's a good idea to be aware that Nevada auto insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Simply turning a year older, buying higher coverage limits, or having a fender bender can trigger rate changes that can make some companies more affordable than before.
Best Auto Insurance Prices for Good Drivers
Travelers may offer some of the most affordable car insurance rates in Nevada at around $903 per year. This is $671 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Progressive, and Oregon Mutual would also make the list of some of the lowest-priced Nevada insurance companies.
As shown in the table above, if you currently buy coverage from Allied and switched to Travelers, you could earn annual savings of around $46. Policyholders with Capital may save as much as $75 a year, and Progressive insureds might realize rate reductions of up to $287 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or visit any of the low-priced companies below.
These premiums are averaged across all drivers and vehicles and and are not figured with a price decrease for good drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 20 companies in the list above. That is why you need to compare as many prices as possible using your own individual information.
The car, truck, or SUV requiring coverage is probably the biggest factor that determines whether or not you find the lowest-priced auto insurance for good drivers. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The list below illustrates car insurance premiums for a selection of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$660|
|Ford F-150 XL Super Cab 2WD||$725|
|Ford Explorer XLT AWD||$739|
|Toyota Tacoma 4WD||$749|
|Ford Focus S 4-Dr Sedan||$765|
|Chevrolet Equinox LS AWD||$780|
|Honda CR-V EX 4WD||$830|
|Ford Escape Limited 2WD||$837|
|Hyundai Sonata GLS 4-Dr Sedan||$839|
|Nissan Rogue S 2WD||$846|
|Ford F-350 XL Crew Cab 2WD||$852|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$860|
|Dodge Ram Crew Cab SLT 2WD||$854|
|Toyota Camry Hybrid||$894|
|Toyota RAV4 Sport 4WD||$896|
|Chevrolet Impala LT||$903|
|GMC Sierra 3500HD SLT Crew Cab 2WD||$907|
|Dodge Ram 2500 Crew Cab ST 4WD||$911|
|Dodge Grand Caravan Crew||$913|
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle location which can revise coverage rates noticeably.
Based on these rates, vehicles like the Honda Accord, Ford F-150, Ford Explorer, and Toyota Tacoma should be the cheaper vehicles to insure for safe drivers.
Nevada auto insurance companies ranked
Selecting the best insurer can be rather challenging considering how many companies there are to choose from in Nevada. The ranking data shown next may help you decide which providers to look at when comparing auto insurance rates for good drivers. The rankings below include companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Nevada are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Nevada car insurance
Insurance providers that offer cheap quotes for good drivers may also provide rate discounts that could reduce prices by 40% or more if you are eligible. A few of the larger companies and their possible discounts can be read below.
- Farm Bureau offers discounts for youthful driver, safe driver, multi-vehicle, multi-policy, and driver training.
- State Farm may include discounts for multiple autos, Steer Clear safe driver discount, good driver, student away at school, and anti-theft.
- Progressive discounts include good student, online signing, homeowner, continuous coverage, multi-vehicle, and multi-policy.
- Allstate may offer discounts for teenSMART discount, premier discount, auto/life discount, anti-lock brakes, resident student, and multi-policy.
- Nationwide offers discounts including business or organization, defensive driving, accident-free, easy pay, Farm Bureau membership, family plan, and anti-theft.
- MetLife has savings for multi-policy, defensive driver, accident-free, good student, and good driver.
The information below illustrates the difference between premium costs with and without discounts applied. The premiums are based on a female driver, no claims or violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, passive restraint, defensive driving course, accident-free, safe-driver, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for good drivers is 28% or $383.
The illustration below demonstrates how choosing different deductibles can change premium costs when trying to find cheap insurance for good drivers in Nevada. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $332 a year by switching from a $100 deductible to a $500 deductible, or save $500 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could reduce their rates up to $704 or more just by choosing larger deductibles.
When raising deductibles, it will now be necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.