Cheapest Car Insurance Quotes for Drivers with Accidents in Nevada

Cheapest Car Insurance Quotes for Drivers with Accidents in Nevada

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.

Most expensive Nevada cities for auto insurance
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.

Auto Insurance Rates for Popular Cars in Nevada
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.

Car Insurance Rates for Popular SUVs and Crossovers in Nevada
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.

Insurance Rates for Popular Pickup Trucks in Nevada
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.

Who is cheaper: State Farm, Allstate, Geico, or Progressive?

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.

Top Four Car Insurance Companies Compared
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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