Deciphering which company quotes the best auto insurance rates in Boulder City involves a little more sweat than just quoting one company's rates. Each auto insurance company has their own guidelines for filing rates in each state, so we'll take a look at the auto insurance companies that tend to be cheaper in Boulder City.
It's important to know that Boulder City auto insurance rates are based on many factors that will increase or decrease the cost of coverage. Simply improving your credit, moving to a new city, or getting a reckless driving citation can cause premium changes resulting in some companies being more affordable than competitors.
|Rank||Company||Cost Per Year|
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Allied has some of the best car insurance rates in Boulder City at around $921 per year. Travelers, Capital, Oregon Mutual, and GEICO would also make the list of some of the lowest-priced Boulder City, NV insurance companies.
As shown in the table above, if you are currently insured with Travelers and switched to Allied, you could earn an annual savings of approximately $18. Nevada drivers with Capital could save as much as $97 a year, and Oregon Mutual insureds might cut rates by $261 a year.
If you want to see how much you could save, click here to begin a quote or click through to the companies below.
Remember that these rates are averages for all drivers and vehicles in Nevada and do not take into consideration an exact vehicle garaging location in Boulder City. So the auto insurance company that can offer the best rates for your situation may not even be in the top 20 companies shown above. That's why you need to compare prices as often as possible using your own specific driver information and vehicle.
For drivers in Boulder City, one of the largest factors that determine the cost of insurance is your zip code. Cities with larger populations tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The next table lists the priciest cities in Nevada to buy auto insurance in. Boulder City is listed at #9 costing $1,541 for coverage, which is approximately $128 per month.
|5||North Las Vegas||$1,882|
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Price information shown is estimated as the specific zip code location can increase or decrease premiums greatly.
The vehicle model that is being insured is one of the largest factors when looking for the lowest-priced coverage in Boulder City. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models. The list below showcases coverage prices for a number of the cheaper vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Edge SE 2WD||$1,674|
|Ford Escape Limited 2WD||$1,708|
|Ford Explorer XLT 4WD||$1,716|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,708|
|Honda Accord LX 4-Dr Sedan||$1,716|
|Ford F-150 XL Crew Cab 4WD||$1,744|
|Honda CR-V EX 4WD||$1,761|
|Chevrolet Equinox LT 2WD||$1,805|
|Jeep Grand Cherokee Laredo 4WD||$1,814|
|Volkswagen Jetta S 4-Dr Sedan||$1,805|
|Chevrolet Silverado LS Regular Cab 4WD||$1,827|
|Chevrolet Malibu LT||$1,841|
|Toyota Tacoma 4WD||$1,866|
|Dodge Grand Caravan CV||$1,872|
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in specific location which can raise or lower insurance rates greatly.
Looking at the data, you can conclude that models like the Ford Edge, Ford Escape, Ford Explorer, Jeep Wrangler, and Honda Accord are most likely going to be the most affordable vehicles to insure for drivers in Boulder City.
The diagram below demonstrates how choosing different deductibles can raise or lower annual premium costs when searching for cheap insurance in Boulder City. The rate quotes are based on a married male driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could cut expenses by $290 a year by switching from a $100 deductible up to a $500 deductible, or save $436 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could save $978 each year just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be necessary to have enough savings to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Careless driving habits raise Boulder City car insurance rates
The common sense way to find the most affordable car insurance premiums in Nevada for drivers in Boulder City is to drive safely and avoid at-fault accidents and violations. The example below shows how violations and at-fault claims can increase car insurance rates for different age groups of insureds. Data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of an auto insurance policy in Nevada per year with no violations or accidents is $1,387. Get written up for two speeding tickets and the average cost surges to $1,852, an increase of $466 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance in Boulder City increases to an average of $2,319. That's an increase of $933, or $78 per month, just for not driving safely!