This would be a really short article if we could simply give you the name of the one best car insurance company that has the most affordable coverage for drivers over age 50 in Nevada. It's not that simple, unfortunately, as there are a ton of unknown aspects such as the performance level of your vehicle, when you were born, and how high your deductibles should be, that all factor into the price you pay. We know insurance is not everyone's favorite topic, but in this article we will cover the best ways to avoid overpriced car insurance and hopefully give you enough understanding to have some help in finding cheaper rates.

The make and model of vehicle you are buying coverage for is a significant factor when trying to find the most affordable coverage for drivers over age 50. Vehicles with economical engines, good safety features, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The table below outlines auto insurance costs for a number of the cheaper automobiles to insure.

Cheapest Vehicles to Insure for Drivers Over Age 50 in Nevada
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $570
Honda CR-V LX 4WD $579
Honda Accord LX 4-Dr Sedan $570
Hyundai Elantra SE Touring Station Wagon $618
Toyota Prius $632
Toyota Tacoma 4WD $638
Ford F-150 STX Super Cab 4WD $653
Ford Edge SE AWD $660
Ford Focus SE 4-Dr Sedan $669
Chevrolet Malibu LS $673
Chevrolet Equinox LT AWD $679
Volkswagen Jetta LE 4-Dr Sedan $673
Jeep Grand Cherokee Laredo 2WD $681
Toyota RAV4 Sport 2WD $673
Ford Explorer Eddie Bauer AWD $688
Dodge Grand Caravan Crew $697
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $695
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in vehicle location which can increase or decrease coverage rates significantly.

Based upon these rates, cars like the Ford Escape, Honda CR-V, Honda Accord, and Hyundai Elantra are likely to be some of the cheapest vehicles to insure for older drivers.

Determining which companies have the cheapest car insurance rates for drivers over age 50 in Nevada calls for a tad more effort in order to find a policy that fits your budget. Each insurer has a unique formula to set premium rates, so let's look at the rankings for the lowest cost car insurance companies in Nevada.

It's a good idea to be aware that Nevada car insurance rates are impacted by many things that can increase the price of your policy. Simply having another birthday, moving to a different location, or getting a DUI can produce rate changes resulting in some companies being cheaper than competitors.

Best Insurance Companies for Age 50+

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Travelers quotes some of the cheapest car insurance rates in Nevada at around $903 each year. This is $671 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Progressive, and Oregon Mutual also are some of the cheaper Nevada insurance companies.

In the above rates, if you have coverage with Progressive and switched to Allied, you might see a yearly price reduction of approximately $269. Policyholders with Oregon Mutual may save as much as $272 a year, and American Family policyholders might cut rates by $297 a year.

To compare your rates to other Nevada insurance companies, click here to start a quote or quote rates from the companies below.

Understand that those policy prices are averages for all drivers and vehicles in Nevada and are not factoring in a price decrease for drivers over age 50. So the car insurance company that fits your situation best may not even be in the top 20 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own driver data and vehicle information.

One of the many considerations that help determine the amount you pay for auto insurance is where your car is garaged in Nevada. Larger areas like Winchester, Paradise, and Las Vegas are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.

The table below rates the most expensive places in Nevada for drivers over age 50 to purchase a policy in.

How much does car insurance cost in Nevada?
Rank City Annual Premium
1 Winchester $2,158
2 Spring Valley $2,060
3 Paradise $2,041
4 Sunrise Manor $2,029
5 Las Vegas $1,949
6 Enterprise $1,908
7 North Las Vegas $1,900
8 Henderson $1,749
9 Boulder City $1,557
10 Pahrump $1,364
11 Mesquite $1,325
12 Sun Valley $1,292
13 Sparks $1,278
14 Reno $1,256
15 Spanish Springs $1,253
16 Dayton $1,141
17 Carson City $1,124
18 Fernley $1,115
19 Spring Creek $1,114
20 Fallon $1,108
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Premium amounts are estimated as specific location information can increase or decrease coverage prices noticeably.

Ratings for Nevada car insurance companies

Finding the best auto insurance provider can be challenging considering how many different insurance companies sell coverage in Nevada. The ranking data shown next may help you analyze which car insurance providers you want to consider when comparing rate quotes.

These rankings are only comprised of the largest auto insurers in America, so companies that only write business in Nevada or surrounding areas are not included in these rankings. To view rates from the insurers below and more, follow this link.

Top 10 Large Auto Insurance Companies in Nevada Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. Mercury Insurance
  5. The General
  6. Progressive
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Top 10 Large Auto Insurance Companies in Nevada Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Types of discounts on Nevada auto insurance

Auto insurance companies that provide policies for drivers over age 50 may also offer rate discounts that may potentially lower prices by 30% or more if you qualify for them. Popular car insurance companies and a selection of discounts are shown below.

The information below illustrates the difference between car insurance costs with and without policy discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, homeowner, safe-driver, defensive driving course, accident-free, and claim-free discounts applied. With discounts applied, theaverage yearly reduction on car insurance for drivers over age 50 is 29% or $597.

The example below highlights how deductible choice can increase or decrease insurance costs when quoting cheap insurance for drivers over age 50 in Nevada. The premiums are based on a married female driver, full coverage, and no discounts are applied to the premium.

The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $342 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $516 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could shave as much as $728 or even more by using a higher deductible.

When choosing a higher deductible, it is a good idea to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.