When buying car insurance after a few driving violations, one of the key components that establish car insurance rates is where you live in Nevada. Areas with more people or more claims like Winchester, Sunrise Manor, and Las Vegas tend to pay slightly more, whereas areas with less crime or weather claims generally pay less for car insurance.
The following table lists the highest-priced places in Nevada after a speeding ticket to buy auto insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Winchester | $2,158 |
2 | Paradise | $2,041 |
3 | Sunrise Manor | $2,029 |
4 | Spring Valley | $1,980 |
5 | Las Vegas | $1,949 |
6 | Enterprise | $1,927 |
7 | North Las Vegas | $1,882 |
8 | Henderson | $1,715 |
9 | Boulder City | $1,557 |
10 | Pahrump | $1,364 |
11 | Sparks | $1,317 |
12 | Mesquite | $1,311 |
13 | Reno | $1,294 |
14 | Spanish Springs | $1,253 |
15 | Sun Valley | $1,253 |
16 | Carson City | $1,158 |
17 | Dayton | $1,141 |
18 | Spring Creek | $1,125 |
19 | Fernley | $1,115 |
20 | Fallon | $1,108 |
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Rate quotes are comparative as the specific Nevada residence address can lower or raise coverage prices greatly.
Comparing quotes for cost effective auto insurance is tough enough, and figuring out which company quotes the most affordable car insurance rates after a speeding ticket will involve a little more work. Each insurance company uses their own calculation for filing rates in each state, so we’ll go over the most affordable car insurance companies in Nevada.
Best Cheap Insurance Rates with Licence Points
Rank | Company | Cost Per Year |
---|---|---|
1 | Travelers | $903 |
2 | Allied | $921 |
3 | Capital | $1,018 |
4 | Oregon Mutual | $1,147 |
5 | Progressive | $1,190 |
6 | American Family | $1,194 |
7 | GEICO | $1,256 |
8 | Nationwide | $1,295 |
9 | USAA | $1,323 |
10 | Safeco | $1,360 |
11 | Farmers | $1,482 |
12 | MetLife | $1,583 |
13 | Country | $1,619 |
14 | State Farm | $1,698 |
15 | Mercury | $1,825 |
16 | Victoria | $2,093 |
17 | Liberty Mutual | $2,227 |
18 | Bristol West | $2,313 |
19 | Allstate | $2,337 |
20 | Encompass | $2,604 |
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Travelers normally has some of the lowest car insurance rates in Nevada at around $903 each year. Allied, Capital, Oregon Mutual, and Progressive would also be considered some of the best Nevada auto insurance companies.
As illustrated above, if you buy coverage from Oregon Mutual and switched to Allied, you might achieve an annual savings of roughly $226. Nevada drivers with Progressive could save as much as $269 a year, and American Family policyholders might realize rate reductions of up to $273 a year.
Be aware that those rates are averages for all ages of drivers and types of vehicles and do not factor in a rate decrease after a speeding ticket. So the insurer that is best suited for you may not even be shown in the rate chart shown above. That helps illustrate why you need to compare rates from multiple companies using your own individual information.
When it comes to buying car insurance after a few driving violations, the first places to look would be Progressive, State Farm, Allstate, and Geico. They all have the same basic coverages, but each one has a distinct set of features and optional coverages that shoppers can choose from. The next table illustrates price and claims rank as well as some different options shoppers can expect to find with each one.
Progressive | State Farm | Allstate | Geico | |
---|---|---|---|---|
Customer Satisfaction | 3rd | 4th | 2nd | 1st |
Price Ranking | 3rd | 2nd | 4th | 1st |
Claims Service | 4th | 2nd | 1st | 3rd |
Number of Discounts | 4th | 3rd | 1st | 2nd |
Emergency roadside service | Yes | Yes | Yes | Yes |
New car replacement | No | No | Yes | No |
Mechanical breakdown insurance | Yes | No | No | Yes |
Rate for vehicle usage | Yes | Yes | Yes | No |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | No | Yes | Yes |
Offered in Nevada | Yes | Yes | Yes | Yes |
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