Comparing quotes for reasonably-priced car insurance is challenging, and deciding which company quotes the most affordable car insurance rates in Winchester involves even more diligence. Each insurer has their own unique process to establish rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Nevada.

We do need to point out that Winchester, NV car insurance rates are calculated based on many things that control the price you pay. Events like turning one year older, buying a different home, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper than competitors.

Nevada car insurance ranked by cost per year
Rank Company Cost Per Year
1 Allied $921
2 Travelers $930
3 Capital $978
4 Oregon Mutual $1,147
5 Progressive $1,190
6 American Family $1,194
7 GEICO $1,232
8 USAA $1,284
9 Nationwide $1,321
10 Safeco $1,346
11 Farmers $1,452
12 MetLife $1,615
13 Country $1,668
14 State Farm $1,681
15 Mercury $1,825
16 Victoria $2,073
17 Liberty Mutual $2,227
18 Allstate $2,314
19 Bristol West $2,407
20 Encompass $2,710
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Allied may offer some of the most affordable car insurance rates in Winchester at around $921 a year. Travelers, Capital, Oregon Mutual, and Progressive also rank well as some of the cheaper Winchester, NV insurance companies.

In the rate table above, if you are a policyholder with Oregon Mutual and switched to Allied, you could realize yearly savings of in the vicinity of $226. Customers with Progressive may save as much as $269 a year, and American Family customers might reduce prices by as much as $273 a year.

Remember that these estimates are averaged across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location in Winchester. So the auto insurance company that fits your age and vehicle best may not even be in the top 20 companies shown above. That illustrates why you need to get rate quotes using your own specific driver information and vehicle.

For drivers in Winchester, one of the more important criteria that are used to help calculate the amount you pay for auto insurance is where you keep your vehicle. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The illustration below shows the most expensive places in Nevada to buy auto insurance in. Winchester is ranked #1 with a yearly premium of $2,116 for coverage, which is about $176 monthly.

How much does auto insurance cost in Winchester?
Rank City Annual Premium
1 Winchester $2,116
2 Paradise $2,061
3 Spring Valley $2,040
4 Sunrise Manor $2,029
5 Enterprise $1,927
6 North Las Vegas $1,900
7 Las Vegas $1,873
8 Henderson $1,767
9 Boulder City $1,541
10 Pahrump $1,364
11 Mesquite $1,325
12 Reno $1,282
13 Sparks $1,265
14 Spanish Springs $1,253
15 Sun Valley $1,253
16 Dayton $1,141
17 Gardnerville Ranchos $1,138
18 Elko $1,125
19 Carson City $1,124
20 Fernley $1,103
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Table data uses comparative as the vehicle garaging location can affect premium rates greatly.

The vehicle model needing coverage is one of the largest considerations that determines the availability of low-priced car insurance in Winchester. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The data below estimates insurance premiums for a handful of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Winchester, NV
Vehicle Insured Estimated Cost for Full Coverage
Ford F-150 STX Super Cab 2WD $3,306
Toyota Prius $3,330
Ford Escape XLS 4WD $3,444
Chevrolet Impala LS $3,491
Honda Odyssey EX W/Rear Entertainment $3,499
Jeep Grand Cherokee Laredo 4WD $3,558
Ford Explorer Limited AWD $3,625
Honda Civic VP 4-Dr Sedan $3,676
Honda Accord LX-P 4-Dr Sedan $3,684
Honda CR-V EX 2WD $3,692
Toyota Camry XLE $3,743
Ford Fusion SE 4-Dr Sedan $3,810
Nissan Rogue SL 2WD $3,818
Hyundai Sonata GLS 4-Dr Sedan $3,825
Dodge Grand Caravan CV $3,865
Chevrolet Malibu LS $4,078
Ford Focus SEL 4-Dr Sedan $4,216
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific location which can impact rates significantly.

Based upon these rates, models like the Ford F-150, Toyota Prius, Ford Escape, Chevrolet Impala, and Honda Odyssey are most likely going to be a few of the cheaper vehicles to insure for drivers in Winchester.

The chart below highlights how deductible selection can change insurance costs when researching cheap insurance in Winchester. The premium estimates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 40-year-old driver could lower their policy premium by $244 a year by increasing from a $100 deductible up to a $500 deductible, or save $370 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates $620 annually by choosing a larger deductible amount.

If you do raise deductibles, it will now be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Rate difference between full and liability-only coverage

Finding cheaper car insurance is important to most vehicle owners, and a great way to pay lower rates for insurance in Winchester is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of yearly insurance costs with and without full coverage. The data assumes no violations or accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

If averaged for all ages, full coverage on your policy costs an additional $1,455 per year more than carrying just liability coverage. That brings up the question if you should buy full coverage at all. There is no clear-cut formula to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's assume your vehicle's replacement value is $10,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $9,500 after you pay the deductible. If it's costing you more than $950 annually for physical damage coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not a good plan. If you haven't paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

Insurance rate increases from tickets or accidents

The ideal way to maintain low car insurance prices in Winchester for drivers in Winchester is to be a safe driver and avoid tickets and accidents. The diagram below demonstrates how traffic citations and accident claims increase yearly insurance costs for different categories of driver ages. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of an auto insurance policy in Nevada per year with no violations or accidents is $1,103. Add in two speeding tickets and the average cost swells to $1,513, an increase of $410 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance in Winchester goes up to an average of $3,221. That's an increase of $2,118, or $177 per month, just for not driving carefully!

How to find more affordable insurance in Winchester

The list below details a few penny-pinching ideas that can help Nevada drivers quote low-cost coverage.

The last tip in the list is very necessary, as we emphasized in the prior article. Prices charged by companies can change considerably in a year, so don't be afraid to buy a different policy if you can save money.

Many drivers prefer to stick with one company, but it's not a great idea if that dedication is costing potentially thousands of dollars a year. Take a couple minutes and compare prices to find cheaper car insurance in Winchester.