Finding dependable, low-cost auto insurance is easier said than done, and determining which companies have the most affordable auto insurance rates for 4x4 vehicles in Nevada takes a little more work. Each company uses their own calculation for setting prices, so first we will examine the most affordable auto insurance companies in Nevada.
It's important to understand that Nevada auto insurance rates are impacted by many factors that control the policy premium. Turning one year older, buying higher coverage limits, or having a fender bender can cause premium changes resulting in some rates now being higher-priced than before.
Cheap Insurance Rates for 4x4's
Travelers may have some of the lowest car insurance rates in Nevada at around $912 per year. Allied, Capital, American Family, and Oregon Mutual would also be considered some of the cheapest Nevada insurance companies.
As the rates illustrate above, if you are insured with American Family and switched to Allied, you could realize a yearly savings of approximately $261. Customers with Oregon Mutual may save as much as $261 a year, and Progressive insureds might lower prices by $281 a year.
To compare your rates to other Nevada insurance companies, click here to begin a quote or visit any of the companies below.
Be aware that those rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a rate discount for 4x4 vehicles. So the car insurance company that has the cheapest rates for you may not even be in the top 20 companies in the list above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
The car, truck, or SUV needing coverage is a significant factor that determines the availability of low-cost coverage for 4x4 vehicles. Vehicles with limited top-end speed, modern passenger safety features, or a track record of few liability claims will cost less to insure than higher performance models. The data below estimates auto insurance rates for the most economical automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$669|
|Ford Escape Limited 4WD||$727|
|Hyundai Elantra GLS Touring Station Wagon||$730|
|Chevrolet Impala LT||$791|
|Jeep Grand Cherokee Laredo 2WD||$798|
|Chevrolet Malibu LS||$791|
|Honda Odyssey LX||$832|
|Ford F-150 XL Super Cab 2WD||$837|
|Toyota Corolla LE||$833|
|Chevrolet Silverado LT Regular Cab 2WD||$850|
|Dodge Grand Caravan CV||$852|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$865|
|Toyota RAV4 Limited 4WD||$867|
|Ford Fusion S 4-Dr Sedan||$877|
|Volkswagen Jetta LE 4-Dr Sedan||$867|
|Toyota Tacoma 2WD||$872|
|Ford Explorer Limited 2WD||$883|
|Honda Accord LX-S 2-Dr Coupe||$892|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$907|
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Prices 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 homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in Nevada location which can modify insurance rates considerably.
Looking at the numbers, we can assume that vehicles like the Honda CR-V, Ford Escape, and Hyundai Elantra are going to be the most affordable vehicles to insure for off-road vehicles.
One of the many considerations that are used to help calculate the price you pay for insurance is the neighborhood you call home in Nevada. Cities with more crime and/or more people like Winchester, Spring Valley, and Las Vegas tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The information below rates the highest-priced places in Nevada for 4x4 vehicles in which to purchase auto insurance.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,826|
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Prices are estimated as the specific garaging location can impact insurance rates significantly.
Discounts on Nevada car insurance rates
Insurance providers that sell policies for 4x4 vehicles may additionally offer special discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. The best auto insurance companies and some of their more popular discounts can be found below.
- Farmers Insurance offers premium reductions for early shopping, youthful driver, switch companies, alternative fuel, mature driver, distant student, and multi-car.
- Esurance discounts include homeowner, online quote, Switch & Save, anti-lock brakes, online shopper, multi-car, and DriveSense.
- State Farm offers discounts including multiple autos, student away at school, Drive Safe & Save, safe vehicle, good driver, and driver's education.
- GEICO may include discounts for multi-policy, driver training, emergency military deployment, anti-lock brakes, and defensive driver.
- Allstate has savings for passive restraint, defensive driver, resident student, anti-theft, good payer, and safe driver.
The chart below illustrates the comparison of yearly insurance costs with and without discounts. The rate quotes are based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, accident-free, safe-driver, homeowner, marriage, and multiple policy discounts applied. With discounts applied, the average savings per year on auto insurance for 4x4 vehicles is 27% or $467.
Cost of full coverage in Nevada
Finding the cheapest auto insurance is important to the majority of people, and one great way to find cheap insurance for 4x4 vehicles in Nevada is to not insure for full coverage. The chart below illustrates the difference between car insurance rates with and without full coverage. The data assumes no violations or claims, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, physical damage insurance costs $1,297 per year more than just buying liability only. That amount may make you wonder if you should buy full coverage. There isn't a written rule that is best for determining when to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let's say your vehicle's replacement cost is $11,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $10,000 after paying your policy deductible. If you are paying in excess of $1,000 a year for full coverage, then it could be time to drop full coverage.
How accidents and violations affect rates
The easiest way to maintain the most affordable auto insurance prices in Nevada for off-road vehicles is to be a safe driver and avoid accidents and violations. The chart below highlights how speeding tickets and at-fault collisions influence auto insurance rates for different categories of driver ages. The premiums assume a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
The chart shows that the average cost of car insurance per year with no accidents or violations is $1,121. Get two speeding tickets and the average cost hikes up to $1,586, an increase of $465 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for 4x4 vehicles in Nevada increases to an average of $2,053. That's an increase of $932, or $78 per month, just for not driving safely!