Finding reliable, low-priced insurance is tough enough, and figuring out which companies offer the cheapest car insurance rates in Sunrise Manor may require a bit more work.

Each insurance company has a proprietary method to establish rates, so we'll go over the car insurance companies with the overall cheapest rates in Nevada.

Cheapest auto insurance in Nevada ranked by cost per year
Rank Company Cost Per Year
1 Allied $921
2 Travelers $939
3 Capital $988
4 Progressive $1,190
5 Oregon Mutual $1,193
6 American Family $1,218
7 GEICO $1,219
8 Nationwide $1,321
9 USAA $1,323
10 Safeco $1,346
11 Farmers $1,496
12 MetLife $1,583
13 Country $1,651
14 State Farm $1,681
15 Mercury $1,825
16 Victoria $2,073
17 Liberty Mutual $2,183
18 Allstate $2,314
19 Bristol West $2,336
20 Encompass $2,710
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Allied generally has some of the most affordable car insurance rates in Sunrise Manor at around $921 per year. Travelers, Capital, Progressive, and Oregon Mutual would also be considered some of the most economical Sunrise Manor, NV insurance companies.

As shown above, if you have coverage with Travelers and switched to Allied, you could earn an annual savings of approximately $18. Customers with Capital could save as much as $67 a year, and Progressive policyholders might cut rates by $269 a year.

To see how much you can save, click here to begin a quote or quote rates from the companies below.

Be aware that those premiums are averages for all drivers and vehicles in Nevada and do not factor in a vehicle location in Sunrise Manor. So the company that has the cheapest rates for you may not even be in the top 20 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

For drivers in Sunrise Manor, one of the more important components that help determine the amount you pay each year for auto insurance is where you normally keep your vehicle. More populated areas are more likely to pay higher prices, whereas less populated areas benefit from having to pay less for coverage.

The next table rates the most expensive cities in Nevada to buy car insurance in. Sunrise Manor ranks #3 with the yearly price of $2,029 for the average policyholder, which is about $169 monthly.

How much does car insurance cost in Sunrise Manor, NV?
Rank City Annual Premium
1 Winchester $2,180
2 Paradise $2,061
3 Sunrise Manor $2,029
4 Spring Valley $1,980
5 Las Vegas $1,892
6 North Las Vegas $1,882
7 Enterprise $1,851
8 Henderson $1,697
9 Boulder City $1,557
10 Mesquite $1,351
11 Pahrump $1,337
12 Sun Valley $1,305
13 Sparks $1,278
14 Reno $1,256
15 Spanish Springs $1,216
16 Dayton $1,141
17 Fernley $1,137
18 Carson City $1,136
19 Gardnerville Ranchos $1,116
20 Spring Creek $1,114
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Rates are approximated as the specific zip code location can increase or decrease insurance rates significantly.

What aren't you shopping around?

Sunrise Manor, NV car insurance rates are determined by lots of factors that will increase or decrease the price you pay for coverage. Getting older, increasing liability limits, or getting a ticket for running a stop sign can produce rate changes that may make certain companies much cheaper than others.

In addition to those changes, car insurance companies modify rates multiple times each year in order to be able to pay unexpected claims. A period of increased losses may result in additional premium costs, while a profitable period can produce lower-cost Sunrise Manor car insurance rates.

To help illustrate this point, the graph below shows rates for the cheapest car insurance in Sunrise Manor, NV for a 40-year-old female driver with no accidents or violations, and solid credit. If we estimate rates based on her personal risk profile, Travelers may offer the best car insurance rates in Sunrise Manor at $1,755 annually. This is $181 more than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the rest of the cheapest Sunrise Manor, NV auto insurance companies.

In the next rate comparison, we'll give the driver from the first rate comparison a claim, a lower credit rating, and a few blemishes on her driving record. Since each auto insurance company uses their own formula for establishing rates, comparing rates may now present a completely different list of cheap Sunrise Manor auto insurance companies as shown below.

Progressive now has the best auto insurance rate in Sunrise Manor, NV with Allied, USAA, Nationwide, and Safeco now being in the top five. This illustrates why Nevada drivers need to perform an extensive rate comparison when trying to find the best insurance quotes in Sunrise Manor. Insurance prices can be determined by many factors and can change without notice, so the lowest-price company the last time you shopped around may now be costing you a lot of money.

The make and model of vehicle you are insuring is one of the largest considerations that determines if you can find affordable insurance in Sunrise Manor. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below presents auto insurance rates for a number of the most cost-effective vehicles to insure in Nevada.

Cheapest Vehicles to Insure in Sunrise Manor, NV
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $2,995
Ford Focus S 4-Dr Sedan $3,407
Toyota Tacoma Double Cab 4WD $3,473
Chevrolet Malibu Hybrid $3,479
GMC Sierra SLE Regular Cab 2WD $3,473
Jeep Wrangler Unlimited Sport 2WD 4-Dr $3,527
Hyundai Elantra SE Touring Station Wagon $3,644
Chevrolet Impala LTZ $3,652
Honda CR-V EX 4WD $3,687
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $3,722
Nissan Rogue SL AWD $3,905
Ford Edge Limited 2WD $3,911
Hyundai Sonata Limited 4-Dr Sedan $3,975
Kia Optima SX $3,983
Ford F-250 XLT 2WD $3,975
Toyota Prius $3,998
Ford Explorer Eddie Bauer 4WD $4,052
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can impact prices significantly.

Looking at the data, you can figure that vehicles like the Ford Escape, Ford Focus, Toyota Tacoma, Chevrolet Malibu, and GMC Sierra are most likely to be the less-costly vehicles to insure for drivers in Sunrise Manor.

Does it make sense to buy full coverage?

Buying cheaper auto insurance is important to the majority of drivers, and an effective way to find cheaper insurance in Sunrise Manor is to not insure for full coverage. The diagram below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents or driving violations, $500 deductibles, single marital status, and no discounts are applied.

If we average the cost for ages 20 through 70, full coverage on your policy costs $1,455 per year more than carrying just liability coverage. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no definitive guideline for dropping comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your vehicle's claim settlement value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $10,000 after paying the physical damage deductible. If it's costing you more than $1,000 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.