It’s impossible to miss the catchy commercials from car insurance companies like State Farm and The General promising huge savings. So drivers just need to choose the one with the best commercial, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknown elements such as how old you are, your gender, and the likelihood of vehicle theft where you live, that all impact the cost of your policy. We will attempt to cover the best ways to avoid high prices and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.
For drivers with at-fault accidents, one of the largest criteria that is used to calculate the price of your policy is where you choose to live. Areas with more people or higher crime rates like Winchester, Paradise, and Enterprise are more likely to pay higher prices, whereas areas with less crime or weather claims have the benefit of the cheapest auto insurance for drivers with accidents in Nevada.
The next table displays the priciest cities in Nevada for drivers with accidents to purchase a policy in.
Rank | City | Premium Per Year |
---|---|---|
1 | Winchester | $2,116 |
2 | Sunrise Manor | $2,069 |
3 | Paradise | $2,001 |
4 | Spring Valley | $1,980 |
5 | Enterprise | $1,927 |
6 | Las Vegas | $1,892 |
7 | North Las Vegas | $1,844 |
8 | Henderson | $1,697 |
9 | Boulder City | $1,557 |
10 | Pahrump | $1,364 |
11 | Mesquite | $1,325 |
12 | Sparks | $1,317 |
13 | Reno | $1,294 |
14 | Sun Valley | $1,292 |
15 | Spanish Springs | $1,229 |
16 | Gardnerville Ranchos | $1,150 |
17 | Fernley | $1,137 |
18 | Elko | $1,125 |
19 | Carson City | $1,124 |
20 | Spring Creek | $1,114 |
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Price information shown is comparative as specific Nevada zip code can modify insurance rates considerably.
The vehicle you are seeking coverage for is one of the primary factors when comparing quotes for the cheapest auto insurance for drivers with accidents in Nevada. Vehicles with higher performance, poor crash test ratings, or a track record of large liability claims will cost much more to insure than more economical and safe models. The tables below shows auto insurance premiums for a selection of the most cost-effective automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LT | $2,002 | $1,001 | $167 |
Ford Focus SEL 4-Dr Sedan | $2,058 | $1,029 | $172 |
Ford Fusion Sport AWD 4-Dr Sedan | $2,228 | $1,114 | $186 |
Honda Accord LX 4-Dr Sedan | $1,670 | $835 | $139 |
Honda Civic EX 2-Dr Coupe | $2,490 | $1,245 | $208 |
Hyundai Elantra Blue 4-Dr Sedan | $2,058 | $1,029 | $172 |
Kia Optima SX | $2,264 | $1,132 | $189 |
Nissan Altima 2.5 S 2-Dr Coupe | $2,264 | $1,132 | $189 |
Toyota Camry XLE | $2,080 | $1,040 | $173 |
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Price data assumes married male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in vehicle garaging location which can lower or raise price quotes noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Buick Enclave XL 2WD | $2,104 | $1,052 | $175 |
Chevrolet Suburban LS 4WD | $2,002 | $1,001 | $167 |
Chevrolet Traverse LTZ AWD | $1,816 | $908 | $151 |
Ford Escape Limited 4WD | $1,792 | $896 | $149 |
Ford Explorer XLT 2WD | $1,878 | $939 | $157 |
GMC Acadia SLT 2WD | $1,978 | $989 | $165 |
GMC Terrain SLE AWD | $1,792 | $896 | $149 |
Honda CR-V EX 4WD | $1,692 | $846 | $141 |
Honda Fit | $1,538 | $769 | $128 |
Honda Pilot EX-L 2WD | $2,002 | $1,001 | $167 |
Jeep Grand Cherokee Laredo 4WD | $1,978 | $989 | $165 |
Jeep Wrangler Sport 4WD 2-Dr | $1,754 | $877 | $146 |
Kia Sportage EX 2WD 4-Dr | $1,978 | $989 | $165 |
Toyota Highlander 4WD | $2,002 | $1,001 | $167 |
Toyota RAV4 Limited 4WD | $1,978 | $989 | $165 |
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Table data represents married male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can raise or lower premium rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD | $2,388 | $1,194 | $199 |
Chevrolet Silverado LS Crew Cab 2WD | $2,264 | $1,132 | $189 |
Dodge Ram 3500 Crew Cab Laramie 4WD | $2,970 | $1,485 | $248 |
Dodge Ram Quad Cab TRX4 Off Road 2WD | $2,162 | $1,081 | $180 |
Ford F-150 FX4 4WD | $2,002 | $1,001 | $167 |
Ford F-350 Crew Cab Cabela Turbo Diesel 4WD | $2,868 | $1,434 | $239 |
GMC Canyon SLE Regular Cab 4WD | $1,878 | $939 | $157 |
GMC Sierra 3500HD SLE Crew Cab 4WD | $2,536 | $1,268 | $211 |
GMC Sierra SLE Regular Cab 2WD | $1,978 | $989 | $165 |
Toyota Tundra Double Cab 4WD | $2,162 | $1,081 | $180 |
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Data variables include married male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can decrease or increase auto insurance rates greatly.
If you want the best car insurance, some of the first companies to look at are State Farm, Allstate, Geico, and Progressive. The next table rates some of the different options shoppers can expect to find with each one.
State Farm | Allstate | Geico | Progressive | |
---|---|---|---|---|
Customer Satisfaction | 4th | 2nd | 1st | 3rd |
Discounts Offered | 3rd | 1st | 2nd | 4th |
Policy Cost | 2nd | 4th | 1st | 3rd |
Claims Handling | 2nd | 1st | 3rd | 4th |
Amount of market share | 18.3% | 10% | 11.4% | 8.8% |
Customer recommendation | 88% | 86% | 87% | 88% |
Mechanical breakdown insurance | No | No | Yes | Yes |
Usage-based rating | Yes | Yes | No | Yes |
New car replacement | No | Yes | No | No |
Roadside service | Yes | Yes | Yes | Yes |
Accident forgiveness | No | Yes | Yes | Yes |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Coverage in Nevada | Yes | Yes | Yes | Yes |
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