Figuring out which company quotes the cheapest car insurance rates for 20 year old women in Nevada takes more time thank just comparing rates from one or two companies.

Every car insurance company used slightly different criteria for determining rates, so we will examine the lowest cost car insurance companies in Nevada. It's important that readers know that Nevada car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, filing a claim, or getting caught speeding may generate price changes that can cause some rates to be much cheaper than others.

Best Insurance Companies for Women Age 20

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Allied normally has some of the best car insurance rates in Nevada at around $911 annually. Travelers, Capital, Oregon Mutual, and Progressive are also some of the most economical Nevada insurance companies.

As illustrated above, if you buy coverage from Oregon Mutual and switched to Travelers, you may realize savings of upwards of $217. Policyholders with Progressive may save as much as $260 a year, and American Family policyholders might cut rates by $264 a year.

To see if your current coverage is too expensive, click here to start a quote or click several companies below for low rates.

These premiums are averaged for all ages of drivers and types of vehicles and do not factor in a rate increase for 20 year old women. So the auto insurance company that can offer you the best price may not even be in the top 20 companies in the list above. That emphasizes why you need to get rate quotes using your own driver data and vehicle information.

The make and model of vehicle that needs insurance is a large consideration that determines the availability of low-cost coverage for 20 year old women. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost significantly less to insure than high performance models. The table below showcases coverage costs for a number of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure for a 20 Year Old Female in Nevada
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,453
Honda Accord LX-P 4-Dr Sedan $1,461
Hyundai Elantra SE Touring Station Wagon $1,567
Ford Escape Limited 4WD $1,572
Toyota Prius $1,590
Dodge Grand Caravan SE $1,630
Volkswagen Jetta SE 2.5 Station Wagon $1,684
Ford Edge SEL AWD $1,700
Chevrolet Equinox LT AWD $1,722
Toyota RAV4 2WD $1,728
Chevrolet Malibu Hybrid $1,722
Ford F-150 SVT Raptor Super Cab 4WD $1,744
Toyota Tacoma Double Cab 4WD $1,754
Dodge Ram 3500 Crew Cab Laramie 2WD $1,744
Ford Explorer Limited 2WD $1,749
Ford Focus SES 4-Dr Sedan $1,794
Chevrolet Impala LTZ $1,816
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in zip code location which can decrease or increase premiums considerably.

Looking at the data, you can infer that models like the Honda CR-V, Honda Accord, Hyundai Elantra, Ford Escape, and Toyota Prius will definitely be a few of the cheaper vehicles to insure for young women. Auto insurance rates will tend to be more expensive because there is more inherent risk for 20 year old women, but in general those vehicles will tend to have the least expensive rates that you'll find.

One of the many factors that are looked at to determine insurance cost is where you normally keep your vehicle in Nevada. Areas with more people or even just a higher incidence of claims like Winchester, Paradise, and North Las Vegas likely pay more, whereas less populated areas receive better rates.

The information below lists the highest-priced areas in Nevada for 20 year old women to buy car insurance in.

How much does car insurance cost in Nevada?
Rank City Average Per Year
1 Winchester $2,180
2 Sunrise Manor $2,069
3 Paradise $2,001
4 Spring Valley $1,980
5 North Las Vegas $1,900
6 Las Vegas $1,873
7 Enterprise $1,851
8 Henderson $1,715
9 Boulder City $1,495
10 Pahrump $1,323
11 Mesquite $1,311
12 Sparks $1,278
13 Sun Valley $1,266
14 Reno $1,244
15 Spanish Springs $1,216
16 Gardnerville Ranchos $1,150
17 Carson City $1,136
18 Spring Creek $1,114
19 Dayton $1,108
20 Fernley $1,103
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Rate information is approximated as the specific geographic location can impact premiums significantly.

Full coverage versus liability-only in Nevada

Lowering the price of car insurance is probably important to most vehicle owners, and one of the easiest ways to pay lower rates for insurance for 20 year old women in Nevada is to buy only liability coverage. The diagram below illustrates the difference between yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The price estimates are based on no violations or claims, $100 deductibles, single status, and no other discounts are factored in.

As an overall average, full coverage costs an extra $1,969 per year over and above liability only. That is a significant amount which raises the question if buying full coverage is worth the money. There is no definitive formula of when to stop paying for full coverage, but there is a general convention. If the annual cost of having full coverage is more than 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's assume your vehicle's book value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $3,500 after paying your deductible. If it's costing you more than $350 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

Selecting a high-quality auto insurance provider can be difficult considering how many choices drivers have in Nevada. The ranking data listed below could help you analyze which insurers to look at purchasing from. The rankings below are only comprised of the largest companies in America, so companies with more of a regional focus are not factored into these rankings.

Top 15 Car Insurance Companies for a 20 Year Old Female 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

Impact of violations and accidents on rates in Nevada

In a perfect world, the ideal way to maintain cheap car insurance premiums for young women is to drive safely and avoid accidents and traffic violations. The illustration below shows how violations and at-fault fender-benders can raise insurance rates for each different age group. The prices are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

The data charted above shows the average cost of auto insurance in Nevada per year with no violations or accidents is $996. Get written up for two speeding tickets and the average cost increases to $1,404, an increase of $408 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for 20 year old women in Nevada increases to an average of $3,113. That's an increase of $2,117, or $176 per month, just for being a less-than-perfect driver!

Ideas to find budget-friendly auto insurance for 20 year old women in Nevada

Lowering your rates is not difficult, and here are a few money-saving solutions that can help Nevada drivers get lower-cost car insurance.

That last piece of advice is notably important, as was noted in the article above. Car insurance prices can be changed at any time, so drivers shouldn't be reluctant to buy from a new company if a lower-cost policy is available.

Sticking with a specific company is fine, but we do not recommend it if that devotion results in you overpaying money that could be spent on other things. Now is a great time to compare prices and find cheaper car insurance for 20 year old women.