The words "bargain" and "auto insurance" probably shouldn't be used in the same sentence, specifically when you are trying to find the best insurance rates for first-time drivers. Because it's so expensive, let's start the ball rolling by going over a few of the factors that help determine insurance premiums, and find a way to take a little off the next policy you buy.

For new drivers, one of the big considerations that determine the price you pay for insurance is where your residence is in Nevada. Areas with more people or more claims like Winchester, Paradise, and Las Vegas are more likely to have higher rates, whereas areas with less people or fewer weather incidents profit from lower rates.

The information below sorts the most costly cities in Nevada for first-time drivers to buy auto insurance in.

How much does auto insurance cost in Nevada?
Rank City Premium Per Year
1 Winchester $2,158
2 Sunrise Manor $2,029
3 Paradise $1,981
4 Spring Valley $1,980
5 Las Vegas $1,930
6 Enterprise $1,870
7 North Las Vegas $1,844
8 Henderson $1,697
9 Boulder City $1,511
10 Pahrump $1,377
11 Mesquite $1,311
12 Reno $1,282
13 Spanish Springs $1,266
14 Sparks $1,265
15 Sun Valley $1,253
16 Gardnerville Ranchos $1,138
17 Fernley $1,137
18 Carson City $1,136
19 Elko $1,125
20 Fallon $1,108
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Premium costs are estimated as vehicle location can increase or decrease auto insurance rates noticeably.

Comparing quotes for affordable car insurance is not the easiest thing to accomplish, and figuring out which company quotes the lowest-priced car insurance rates for first-time drivers in Nevada involves even more shopping around. Prices will most likely be quite a bit more than the average price in Nevada due to the potential for higher claims that comes with selling coverage for new drivers, but reasonable coverage should be available with a little diligence. Each auto insurance company uses their own method for filing rates in each state, so let's take a look at the car insurance companies with the most affordable rates in Nevada.

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Rankings for the cheapest car insurance companies in Nevada
Rank Company Cost Per Year
1 Allied $921
2 Travelers $939
3 Capital $1,018
4 Oregon Mutual $1,147
5 American Family $1,194
6 Progressive $1,202
7 GEICO $1,269
8 Nationwide $1,282
9 USAA $1,284
10 Safeco $1,306
11 Farmers $1,482
12 MetLife $1,567
13 Country $1,651
14 State Farm $1,732
15 Mercury $1,807
16 Victoria $2,073
17 Liberty Mutual $2,183
18 Allstate $2,337
19 Bristol West $2,407
20 Encompass $2,630
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Allied may offer some of the lowest car insurance rates in Nevada at around $921 annually. This is $653 less than the average policy premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family would also make the list of some of the cheaper Nevada auto insurance companies.

As shown in the table above, if you buy coverage from Oregon Mutual and switched to Travelers, you could see annual savings of upwards of $208. Customers with American Family may save as much as $255 a year, and Progressive policyholders might lower prices by up to $263 a year.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and and are not figured with a rate increase for first-time drivers. So the company that is best suited for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.

The example below demonstrates how deductible levels can impact insurance prices when trying to find cheap insurance for first-time drivers in Nevada. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

A 50-year-old driver could lower rates by $214 a year by changing from a $100 deductible up to a $500 deductible, or save $324 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, can save up to $714 every year by using higher deductibles when buying full coverage.

When choosing a higher deductible, it's a good idea to have enough savings to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Ending up with a high-quality auto insurance company can be challenging considering how many choices there are in Nevada. The company rank data shown below could help you choose which companies to look at to insure your vehicles. The ratings below are only comprised of companies with a nationwide focus, so companies without a large exposure will not be included in these rankings.

Top 15 Car Insurance Companies for First-time Drivers in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
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Data Source: Best Car Insurance Companies

Drive safe and save

The easiest way to enjoy the best car insurance prices in Nevada for new drivers is to pay attention while driving and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault accidents can drive up car insurance costs for different insured age categories. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

The data charted above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,297. Receive two speeding tickets and the average cost rises to $1,706, an increase of $409 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for first-time drivers in Nevada goes up to an average of $3,414. That's an increase of $2,118, or $176 per month, just for being a careless driver!