Cheap Auto Insurance for Drivers with a DUI in Nevada

Cheap Auto Insurance for Drivers with a DUI in Nevada

We all like different vehicles, and the type of vehicle to be insured is one of the largest factors that determines the availablility of cheaper coverage for drivers with a DUI. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.

The data below illustrates auto insurance costs for a selection of the more afforable vehicles to insure in Nevada.

Insurance Rates for Popular Cars in Nevada
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $1,328 $664 $111
Ford Focus SEL 4-Dr Sedan $1,272 $636 $106
Ford Fusion Sport AWD 4-Dr Sedan $1,432 $716 $119
Honda Civic EX 4-Dr Sedan $1,272 $636 $106
Hyundai Elantra Blue 4-Dr Sedan $1,272 $636 $106
Kia Optima SX $1,406 $703 $117
Nissan Altima 2.5 S 2-Dr Coupe $1,406 $703 $117
Toyota Corolla XRS $1,328 $664 $111
Volkswagen Jetta SE 4-Dr Sedan $1,328 $664 $111
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Prices based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location which can revise auto insurance rates significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Nevada
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $1,356 $678 $113
BMW X5 4.8I AWD $1,460 $730 $122
Buick Enclave XL 2WD $1,328 $664 $111
Chevrolet Traverse LT AWD $1,166 $583 $97
Ford Escape Limited 4WD $1,138 $569 $95
Ford Expedition Limited 2WD $1,242 $621 $104
Ford Explorer Limited AWD $1,252 $626 $104
GMC Acadia SLT 2WD $1,224 $612 $102
Honda CR-V LX 4WD $1,034 $517 $86
Honda Pilot EX-L 4WD $1,252 $626 $104
Jeep Grand Cherokee Limited 2WD $1,328 $664 $111
Kia Sportage LX $1,224 $612 $102
Toyota Highlander Hybrid 4WD $1,356 $678 $113
Toyota RAV4 Limited 4WD $1,224 $612 $102
Volvo XC90 3.2 2WD $1,328 $664 $111
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Data assumes married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can lower or raise premium rates significantly.

Insurance Rates for Popular Pickup Trucks in Nevada
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LTZ Crew Cab 4WD $1,328 $664 $111
Dodge Ram 2500 Crew Cab Laramie 2WD $1,482 $741 $124
Dodge Ram 3500 Mega Cab Laramie 2WD $1,460 $730 $122
Dodge Ram Crew Cab TRX 2WD $1,330 $665 $111
Ford F-150 STX Super Cab 2WD $1,120 $560 $93
Ford F-250 XL Super Cab Turbo Diesel 4WD $1,502 $751 $125
Ford F-350 Super Cab Harley Edition 4WD $1,648 $824 $137
GMC Sierra 2500HD SLE Crew Cab 4WD $1,328 $664 $111
GMC Sierra SLE Crew Cab 4WD $1,328 $664 $111
Toyota Tundra SR/5 Double Cab 4WD $1,330 $665 $111
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Data based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can influence coverage rates substantially.

Buying cheap car insurance is hard enough, and figuring out which companies have the lowest-priced insurance rates for drivers with a DUI requires even more shopping around. Coverage prices may be much more than the average policy in Nevada due to the added risk associated with selling insurance after getting a DUI, but affordable insurance should be possible if you find the right company.

Every insurance provider uses a little different formula for determining prices, so let’s take a look at the insurance companies with the most affordable rates in Nevada.

Best Cheap Insurance Rates after a DUI

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Nevada car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $903
2 Allied $949
3 Capital $1,008
4 Oregon Mutual $1,182
5 Progressive $1,190
6 American Family $1,230
7 GEICO $1,256
8 Nationwide $1,282
9 USAA $1,297
10 Safeco $1,306
11 Farmers $1,496
12 MetLife $1,631
13 Country $1,651
14 State Farm $1,732
15 Mercury $1,753
16 Victoria $2,031
17 Liberty Mutual $2,249
18 Bristol West $2,313
19 Allstate $2,314
20 Encompass $2,710
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Travelers normally has some of the cheapest car insurance rates in Nevada at around $903 each year. Allied, Capital, Oregon Mutual, and Progressive are also some of the best Nevada car insurance companies.

As illustrated above, if you have coverage with Oregon Mutual and switched to Allied, you could earn yearly savings of about $233. Drivers with Progressive could save as much as $241 a year, and American Family insureds might lower prices by $281 a year.

Bear in mind that those estimates are averages across all insureds and vehicles and are not factoring in a rate increase for drivers with a DUI. So the company that has the cheapest price for you may not even be included in the company chart above. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.

Cheapest car insurance: State Farm, Geico, Progressive, or Allstate

When comparing auto insurance after getting a DUI in Nevada, some of the largest companies to start with are State Farm, Geico, Progressive, and Allstate. Each one has somewhat different options that policyholders can choose from. The next table points out pricing and service ratings, as well as optional policy coverages offered by each one.

Top Four Car Insurance Companies Compared
State Farm Geico Progressive Allstate
Price Ranking 2nd 1st 3rd 4th
Overall Satisfaction 4th 1st 3rd 2nd
Claims Rank 2nd 3rd 4th 1st
Policy Discounts 3rd 2nd 4th 1st
U.S. market share 18.3% 11.4% 8.8% 10%
Customers who recommend 88% 87% 88% 86%
A.M. Best rating A++ A++ A+ A+
Breakdown insurance No Yes Yes No
Rate for vehicle usage Yes No Yes Yes
Roadside assistance Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
New car replacement No No No Yes
Offered in Nevada Yes Yes Yes Yes
Where to buy State Farm-only agents Both online and from Geico agents Indpendent agents or online Only buy from Allstate agents
Number of agents 18,000+ 150+ 30,000+ 11,000+
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