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.
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.
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.
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
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.
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.
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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