Wouldn't this article be short if you could just know one specific company that has the lowest car insurance rates for active military? It's not quite that easy, unfortunately, as there are a ton of unknown aspects such as your gender, whether you want full coverage, what your desired deductibles are, and your financial responsibility, that all have an effect on the price. We will try to cover the best ways to maintain low rates and will hopefully give you a good start in finding the cheapest car insurance for military.

Finding reliable, budget auto insurance is easier said than done, and figuring out which insurers offer the cheapest car insurance rates for active military in Nevada will require even more work. Prices will probably be slightly cheaper than the average rate in Nevada due to the lower risk that goes along with offering insurance for military personnel. Reasonable coverage should be possible from a lot of good insurance companies. Each insurer has a proprietary formula for establishing rates, so first let's look at the rankings for the most budget-friendly car insurance companies in Nevada.

Cheap Insurance Rates for Military

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Rankings for the cheapest Nevada auto insurance companies
Rank Company Cost Per Year
1 Travelers $903
2 Allied $911
3 Capital $1,018
4 American Family $1,182
5 Progressive $1,190
6 Oregon Mutual $1,193
7 GEICO $1,232
8 Nationwide $1,295
9 USAA $1,297
10 Safeco $1,320
11 Farmers $1,438
12 MetLife $1,631
13 Country $1,651
14 State Farm $1,698
15 Mercury $1,753
16 Victoria $2,011
17 Liberty Mutual $2,161
18 Bristol West $2,384
19 Allstate $2,385
20 Encompass $2,604
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Travelers has some of the cheapest car insurance rates in Nevada at around $903 a year. Allied, Capital, American Family, and Progressive also rank well as some of the cheaper Nevada auto insurance companies.

As illustrated above, if you buy coverage from Capital and switched to Travelers, you could realize a yearly savings of in the vicinity of $115. Policyholders with American Family might save as much as $279 a year, and Progressive insureds might lower prices by up to $287 a year.

Remember that these premium estimates are averages for all drivers and vehicles and are not factoring in a price decrease for active military. So the company that can offer you the lowest price may not even be in the top 20 companies in the list above. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

One of the many criteria that determine the price you pay for insurance is where you live. Cities with more crime and/or more people like Winchester, Paradise, and Las Vegas tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The following table sorts the most expensive places in Nevada for active military to buy car insurance in.

How much does car insurance cost in Nevada?
Rank City Average Per Year
1 Winchester $2,116
2 Sunrise Manor $2,090
3 Paradise $2,001
4 Spring Valley $1,980
5 Las Vegas $1,930
6 Enterprise $1,870
7 North Las Vegas $1,844
8 Henderson $1,749
9 Boulder City $1,557
10 Pahrump $1,377
11 Mesquite $1,365
12 Sun Valley $1,292
13 Sparks $1,265
14 Reno $1,244
15 Spanish Springs $1,229
16 Dayton $1,141
17 Carson City $1,136
18 Elko $1,125
19 Gardnerville Ranchos $1,104
20 Fernley $1,103
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Rates are approximated as specific location information can decrease or increase rates considerably.

The type of vehicle needing coverage is a large factor that determines if you can find low-cost insurance for active military. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.

The information below estimates auto insurance rates for some of the more affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure for Active Military in Nevada
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $730
Honda CR-V EX-L 2WD $747
Ford F-150 XL Regular Cab 2WD $754
Ford Focus SE 4-Dr Sedan $776
Jeep Wrangler Sport 4WD 2-Dr $789
Nissan Altima 2.5 4-Dr Sedan $791
Ford Explorer Eddie Bauer 4WD $806
Toyota Tacoma Double Cab 4WD $815
Toyota Prius $811
Honda Odyssey Touring $848
Volkswagen Jetta SEL 4-Dr Sedan $858
Nissan Rogue SL 2WD $850
Ford Edge Limited 2WD $855
Hyundai Sonata GLS 4-Dr Sedan $850
Toyota RAV4 Limited 2WD $867
Chevrolet Equinox LS 2WD $892
Chevrolet Silverado LS Crew Cab 2WD $907
Toyota Camry Hybrid $917
Ford Fusion Sport AWD 4-Dr Sedan $907
Dodge Grand Caravan Crew $913
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in specific location which can lower or raise rates noticeably.

Looking at the rates, you can conclude that cars like the Ford Escape, Honda CR-V, and Ford F-150 will be a few of the cheaper vehicles to insure for military personnel.

Discount Nevada insurance rates

Insurance providers that offer quotes for active military could also offer special discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. A list of car insurance companies and some of the discounts can be read below.

The illustration below compares car insurance costs with and without discounts. The premiums are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, claim-free, accident-free, vehicle safety, passive restraint, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for active military is 28% or $548.

Careless drivers pay higher rates

The easiest way to receive cheap car insurance prices for military personnel is to drive attentively and have a clean driving record. The diagram below shows how violations and at-fault claims can increase insurance rates for each age group. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

The chart shows that the average cost of auto insurance in Nevada per year with a clean driving record and no accidents is $2,165. Get written up for two speeding tickets and the average cost surges to $2,869, an increase of $704 each year. Then include two accidents along with the two speeding tickets and the yearly cost of car insurance for active military in Nevada jumps again to an average of $5,489. That's an increase of $3,324, or $277 per month, just for not driving attentively!

Full coverage versus liability-only in Nevada

Reducing premiums for car insurance is the goal of the majority of people, and one good way to save on the cost of insurance for active military in Nevada is to only pay for liability coverage. The chart below illustrates the difference between premium costs when comparing full coverage to liability only. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

If averaged out across all ages, full coverage costs $1,403 per year more than insuring for liability only. That is a large expense which might make you wonder when is it a good idea to stop buying full coverage. There is no clear-cut rule to stop buying physical damage insurance, but there is a general school of thought. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your vehicle's claim settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,500 after paying your policy deductible. If premium cost is more than $350 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.