You have most likely seen the ads from car insurance companies like Allstate, Liberty Mutual, and Nationwide promising huge savings, so you just need to pick the company with the best ad, right?

Regrettably, it's not quite that easy, as there are a ton of unknown elements such as how many years you have been driving, whether you are married or single, the vehicle you drive, and tickets or driving violations, that all factor into the price you pay. If you keep reading, we will teach you about these types of topics and will hopefully give you a good start in finding the cheapest car insurance with licence points.

Figuring out which companies have the most affordable insurance rates after a speeding ticket in Nevada requires a bit more work than just quoting one company's rates. Every insurance company uses their own calculation for determining rates, so we will examine the insurance companies that tend to be cheaper in Nevada.

It's important that you understand Nevada insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Simply turning a year older, buying a different vehicle, or getting a driving violation can trigger price changes that may make certain companies much cheaper than others.

Best Auto Insurance Prices with Licence Points

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Nevada car insurance ranked by cost per year
Rank Company Cost Per Year
1 Allied $911
2 Travelers $939
3 Capital $1,018
4 Oregon Mutual $1,182
5 American Family $1,218
6 Progressive $1,238
7 GEICO $1,256
8 USAA $1,284
9 Nationwide $1,295
10 Safeco $1,360
11 Farmers $1,438
12 MetLife $1,615
13 Country $1,651
14 State Farm $1,732
15 Mercury $1,771
16 Victoria $2,011
17 Liberty Mutual $2,161
18 Bristol West $2,313
19 Allstate $2,314
20 Encompass $2,630
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Allied generally has some of the cheapest car insurance rates in Nevada at around $911 per year. This is $663 less than the average price paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family would also be considered some of the most economical Nevada insurance companies.

As the example above demonstrates, if you currently have a policy with Oregon Mutual and switched to Allied, you may realize savings of about $271. Nevada drivers with American Family could save as much as $307 a year, and Progressive insureds might reduce prices by as much as $327 a year.

Bear in mind that those premiums are averages for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount after a speeding ticket. So the insurer that has the lowest price for you may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own specific driver information and vehicle.

The car, truck, or SUV you are insuring is a significant factor when shopping around for cheap auto insurance after a speeding ticket. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The data below presents car insurance premiums for some of the cheaper vehicles to insure in Nevada.

Cheapest Vehicles to Insure After a Speeding Ticket in Nevada
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 4WD $861
Ford Escape XLT 2WD $916
Honda Accord EX 4-Dr Sedan $920
Ford F-150 XL Regular Cab 2WD $944
Chevrolet Equinox LS AWD $994
Chevrolet Impala LT $1,001
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,005
Toyota Prius $1,020
Hyundai Elantra Blue 4-Dr Sedan $1,029
Chevrolet Silverado LS Extended Cab 2WD $1,066
Dodge Ram Quad Cab ST 4WD $1,084
Toyota Camry LE $1,086
Toyota RAV4 Sport 2WD $1,094
Dodge Grand Caravan Hero $1,086
Jeep Grand Cherokee Laredo 2WD $1,090
Volkswagen Jetta SE 2.5 Station Wagon $1,096
Chevrolet Malibu LT $1,108
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,112
Ford Explorer Eddie Bauer AWD $1,121
Honda Civic LX 4-Dr Sedan $1,129
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Data based on married female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower premium rates considerably.

Based upon the table data, you can infer that vehicles like the Honda CR-V, Ford Escape, Honda Accord, Ford F-150, and Chevrolet Equinox are some of the less-costly vehicles to insure after a few driving violations.

One of the more important factors that are looked at to help calculate the amount you pay each year for auto insurance is where you live. Areas with more people or more claims like Winchester, Spring Valley, and Las Vegas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from lower prices.

The information below ranks the most expensive areas in Nevada after a speeding ticket in which to buy car insurance.

Car insurance prices in Nevada
Rank City Premium Per Year
1 Winchester $2,116
2 Sunrise Manor $2,090
3 Spring Valley $2,060
4 Paradise $1,981
5 Las Vegas $1,949
6 North Las Vegas $1,900
7 Enterprise $1,851
8 Henderson $1,697
9 Boulder City $1,495
10 Mesquite $1,365
11 Pahrump $1,364
12 Sun Valley $1,305
13 Sparks $1,304
14 Reno $1,244
15 Spanish Springs $1,229
16 Gardnerville Ranchos $1,150
17 Fernley $1,137
18 Carson City $1,136
19 Dayton $1,097
20 Spring Creek $1,092
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Rate information is estimated as the vehicle garaging location can change premiums considerably.

Selecting a high-quality car insurance provider is hard considering how many different companies insure vehicles in Nevada. The information displayed below may help you select which insurers to look at comparing price quotes from. These rankings are only comprised of companies that write coverage in many states, so companies without a large exposure are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Nevada Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Top 10 Large Car Insurance Companies Overall in Nevada

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Should you buy full coverage?

Finding cheaper insurance is the goal of the majority of drivers, and one good way to find cheap insurance after a speeding ticket in Nevada is to not insure for full coverage. The information below compares auto insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

Averaged out for all age groups, comp and collision coverage costs an extra $2,368 per year more than carrying just liability coverage. That is a significant amount which raises the question if full coverage is worth the money. There is no exact rule to stop paying for full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your vehicle's claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the deductible is paid. If premium cost is more than $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

How to get discounts on Nevada car insurance

Auto insurance companies that offer cheap quotes after a speeding ticket may also give you rate discounts that could potentially reduce rates by as much as 40% or more if you meet eligibility requirements. A list of insurance companies and some of their more popular discounts can be read below.

The information below illustrates the difference between insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no accidents and one citation, Nevada state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with paid-in-full, vehicle safety, anti-theft, paperless filing, multiple vehicle, and multiple policy discounts applied. When discounts are factored in, theamount saved on insurance after a speeding ticket is 28% or $407.

How to find low-cost car insurance after a speeding ticket

The list below summarizes a few penny-pinching ideas that can help Nevada drivers quote more affordable coverage.

The last tip is remarkably valuable, as we stressed in this write-up. Auto insurance rates can be modified anytime, so don't be afraid to buy from a different company if you find a cheaper price.

Brand loyalty is not necessarily bad, but it's not a good idea if it's costing you thousands of dollars over the life of your policy. It only takes a couple minutes to shop around to find cheaper car insurance after a speeding ticket.