Finding reasonably-priced insurance is hard enough, and deciding which insurers offer the lowest-priced auto insurance rates for high mileage drivers in Nevada may require even more rate comparisons. Every auto insurer has a proprietary formula to set premium rates, so we'll take a look at the overall cheapest auto insurance companies in Nevada.
It's important that readers know that Nevada auto insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. That is why it is so important to take the time to shop around to find the lowest car insurance rates for high mileage drivers. Auto insurance prices consist of many different factors and can decrease or increase without notice, so the best price the last time you checked may now be one of the more expensive options.
Best Insurance Companies in Nevada
|Rank||Company||Cost Per Year|
|Get a Custom Quote Go|
Allied normally has some of the lowest car insurance rates in Nevada at around $921 a year. Travelers, Capital, Oregon Mutual, and Progressive are also some of the cheaper Nevada insurance companies.
As the rates illustrate above, if you are currently insured with Oregon Mutual and switched to Travelers, you could realize yearly savings of upwards of $217. Drivers with Progressive could save as much as $272 a year, and American Family customers might reduce rates by $288 a year.
To see if you're overpaying, click here to get quotes or quote prices from the following companies.
Remember that these policy rates are averaged for all insureds and vehicles and do not factor in a price discount for high mileage drivers. So the car insurance company that fits your situation best may not even be in the top 20 companies shown above. That illustrates why you need to get quotes using your own personal information and vehicle type.
One of the many criteria that help determine auto insurance rates is where your car is garaged in Nevada. Areas with high crime rates or more dense population like Winchester, Paradise, and Enterprise tend to have higher auto insurance costs, whereas more rural areas benefit from lower coverage costs.
The illustration below sorts the most expensive areas in Nevada for high mileage drivers to buy car insurance in.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,844|
|Quote Best Rates Go|
Premium costs are comparative as the specific zip code location can modify coverage rates considerably.
The type of vehicle driven is a large factor that determines the availability of the lowest-priced car insurance for high mileage drivers. Vehicles with higher performance characteristics, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than safer models.
The information below presents auto insurance rates for a handful of the most affordable vehicles to insure in Nevada.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$669|
|Hyundai Elantra GLS Touring Station Wagon||$730|
|Honda Accord LX-P 4-Dr Sedan||$756|
|Ford Edge SEL 2WD||$776|
|Ford Escape Limited 2WD||$781|
|Chevrolet Malibu Hybrid||$791|
|Nissan Altima 2.5 4-Dr Sedan||$797|
|Honda Odyssey EX-L||$833|
|Volkswagen Jetta SE 4-Dr Sedan||$848|
|Jeep Grand Cherokee Limited 4WD||$858|
|Nissan Rogue S AWD||$850|
|Hyundai Sonata GLS 4-Dr Sedan||$859|
|Compare Rates Now Go|
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in specific Nevada garaging location which can change premiums substantially.
Looking at the data, we can tell that makes and models like the Honda CR-V, Hyundai Elantra, and Toyota Prius are most likely going to be a few of the most economical vehicles to insure for high mileage drivers.
Discount Nevada insurance
Auto insurance companies that provide policies for high mileage drivers may also provide discounts that could lower prices by 35% or more if you meet eligibility requirements. Companies and their possible discounts are:
- American Family may offer discounts for air bags, bundled insurance, defensive driver, good driver, multi-vehicle, good student, and mySafetyValet.
- Farm Bureau offers discounts including 55 and retired, good student, renewal discount, multi-policy, and youthful driver.
- State Farm discounts include driver's education, defensive driving training, good student, student away at school, passive restraint, multiple policy, and safe vehicle.
- Travelers has discounts for multi-policy, early quote, multi-car, new car, and good student.
- The Hartford offers premium reductions for air bag, driver training, defensive driver, anti-theft, good student, bundle, and vehicle fuel type.
- GEICO includes discounts for multi-vehicle, emergency military deployment, defensive driver, anti-theft, and membership and employees.
- Progressive may have discounts that include good student, multi-vehicle, online signing, continuous coverage, multi-policy, and homeowner.
The illustration below illustrates the comparison of insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, safe-driver, accident-free, marriage, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for high mileage drivers is 28% or $623.
Choosing the highest-rated insurance provider can be difficult considering how many companies sell insurance in Nevada. The information shown next could help you decide which companies you want to consider when trying to find cheaper insurance for high mileage drivers.
The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Nevada business are not factored into the list. To get price quotes from many more Nevada auto insurance companies, click here.
Top 10 Major Auto Insurers Overall in Nevada
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Ideas for buying cheaper auto insurance for high mileage drivers
Here are some of the better penny-pinching ideas that can help Nevada drivers find more affordable coverage.
- Safer vehicles cost less to insure
- Do not pay for comprehensive and collision coverage on older vehicles
- Avoid filing excessive claims
- Bundle home and auto and earn a discount
- Avoid getting tickets or violations
- Staying accident-free helps keep rates low
- Compare prices as often as possible
The last tip in the list is particularly necessary, as we emphasized in this article. Coverage prices can be modified anytime, so don't be afraid to switch to a new company if a more affordable rate is found.
Many drivers prefer to stick with one company, but we do not recommend it if that inflexibility results in costing you hundreds every year. Spend a few minutes and compare rates and find cheaper car insurance for high mileage drivers.