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

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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.

Cheapest Vehicles to Insure for Good Drivers in Nevada
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
Toyota Prius $898
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.

Top Ten Auto Insurance Companies for Good Drivers in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: 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.

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.