Cheapest Auto Insurance Quotes for Infrequent Drivers in Nevada

Cheapest Auto Insurance Quotes for Infrequent Drivers in Nevada

For low mileage drivers, one of the more important factors that help determine auto insurance rates is where you choose to live. More densely populated places like Winchester, Sunrise Manor, and Enterprise tend to have more expensive car insurance rates, whereas less populated areas generally pay lower auto insurance rates.

The following table shows the most expensive areas in Nevada for infrequent drivers to purchase a policy in.

Nevada cities ranked by car insurance cost
Rank City Premium Per Year
1 Winchester $2,094
2 Spring Valley $2,060
3 Sunrise Manor $2,029
4 Paradise $1,981
5 Enterprise $1,908
6 Las Vegas $1,892
7 North Las Vegas $1,844
8 Henderson $1,767
9 Boulder City $1,511
10 Pahrump $1,323
11 Mesquite $1,311
12 Sun Valley $1,305
13 Sparks $1,265
14 Reno $1,244
15 Spanish Springs $1,216
16 Carson City $1,170
17 Gardnerville Ranchos $1,138
18 Fernley $1,137
19 Dayton $1,130
20 Elko $1,125
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Premium amounts are estimated as specific Nevada garaging address can raise or lower premiums considerably.

Cost and performance of the vehicle needing coverage is probably the largest consideration when comparison shopping for low-cost insurance for infrequent drivers. Vehicles with more horsepower, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The next tables outlines car insurance costs for some of the cheaper automobiles to insure in Nevada.

Auto Insurance Rates for Popular Cars in Nevada
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,092 $546 $91
Ford Focus SE 4-Dr Sedan $1,044 $522 $87
Ford Fusion Hybrid 4-Dr Sedan $1,352 $676 $113
Honda Accord EX 2-Dr Coupe $1,200 $600 $100
Hyundai Elantra Blue 4-Dr Sedan $1,110 $555 $93
Kia Optima SX $1,224 $612 $102
Nissan Altima 2.5 S 4-Dr Sedan $1,134 $567 $95
Toyota Camry Hybrid $1,224 $612 $102
Toyota Corolla LE $1,134 $567 $95
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in vehicle location which can modify rates noticeably.

Insurance Rates for Popular SUVs and Crossovers in Nevada
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.5D AWD $1,272 $636 $106
Chevrolet Traverse LTZ AWD $1,014 $507 $85
Ford Escape XLS 2WD $900 $450 $75
Ford Expedition SSV 2WD $924 $462 $77
Ford Explorer Limited AWD $1,092 $546 $91
GMC Acadia SLT AWD $1,092 $546 $91
Honda CR-V LX 2WD $900 $450 $75
Honda Pilot EX 4WD $1,026 $513 $86
Hyundai Tucson Limited 2WD $1,068 $534 $89
Jeep Grand Cherokee Laredo 2WD $1,068 $534 $89
Subaru Forester X Limited Edition AWD $1,038 $519 $87
Toyota Highlander Sport 2WD $1,092 $546 $91
Toyota RAV4 Limited 4WD $1,068 $534 $89
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can influence price quotes considerably.

Auto Insurance Rates for Popular Pickup Trucks in Nevada
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $990 $495 $83
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,314 $657 $110
Chevrolet Silverado 3500HD LT Extended Cab 4WD $1,376 $688 $115
Chevrolet Silverado LS Extended Cab 4WD $1,068 $534 $89
Dodge Ram Crew Cab Laramie 4WD $1,314 $657 $110
Ford F-150 XLT Super Cab 4WD $1,026 $513 $86
Ford F-250 Lariat Crew Cab 2WD $1,314 $657 $110
Ford F-350 XLT Crew Cab 4WD $1,438 $719 $120
GMC Sierra SL Extended Cab 2WD $1,068 $534 $89
Toyota Tundra SR/5 Double Cab 4WD $1,158 $579 $97
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower price quotes greatly.

Deciphering which companies quote the lowest-priced auto insurance rates for infrequent drivers calls for a little more sweat than just quoting one company’s rates. Every car insurance company has their own guidelines to set policy rates, so let’s look at the rankings for the most competitive auto insurance companies in Nevada.

Cheap Insurance Rates in Nevada

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What’s the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Travelers $903
2 Allied $911
3 Capital $1,018
4 Oregon Mutual $1,147
5 American Family $1,182
6 Progressive $1,238
7 GEICO $1,256
8 USAA $1,297
9 Safeco $1,306
10 Nationwide $1,334
11 Farmers $1,482
12 Country $1,619
13 MetLife $1,631
14 State Farm $1,749
15 Mercury $1,807
16 Victoria $2,011
17 Liberty Mutual $2,161
18 Bristol West $2,313
19 Allstate $2,385
20 Encompass $2,604
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Travelers may offer some of the lowest car insurance rates in Nevada at around $903 each year. Allied, Capital, Oregon Mutual, and American Family are also some of the most economical Nevada insurance companies.

In the rate table above, if you are a customer of Oregon Mutual and switched to Allied, you might realize a yearly savings of in the neighborhood of $236. Insureds with American Family might save as much as $271 a year, and Progressive policyholders might see rate reductions of $327 a year.

These policy rates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a price discount for infrequent drivers. So the auto insurance company that has the cheapest price for you may not even be in the above rate chart. That underscores the importance of why you need to get rate quotes from many companies using your own individual information.

Discount Nevada insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-infrequent-drivers-nv.jpg" alt="Cheaper Nevada auto insurance for low mileage drivers”/>Insurers that provide the cheapest auto insurance for infrequent drivers in Nevada may also offer special discounts that could lower prices by as much as 35% if you are eligible for them. Companies and their possible discounts are included below.

Car Insurance Discounts Available
Discount Allstate State Farm Geico Progressive
Multi-policy Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes
Theft prevention Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No
Passive restraint Yes Yes Yes No
Daytime running lights No Yes Yes No
New car Yes Yes No No
Green vehicle Yes No No No
Safe driver Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes
Low miles Yes Yes No Yes
Military No Yes Yes Yes
Occupational No No Yes No
Full payment Yes No Yes Yes
Email statements Yes No Yes Yes
Loyalty No Yes No Yes
Sign early Yes No No No
Good grades Yes Yes Yes Yes
Student at college Yes Yes No Yes
Own home No No No Yes
Seat belt usage No No Yes No
Get quote online No No No Yes
Teen driver No No No Yes
Government employee No No Yes No
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The information below illustrates the comparison of insurance premiums with and without discounts applied. The rates are based on a female driver, no violations or accidents, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, multiple policy, safe-driver, claim-free, anti-theft, and defensive driving course discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for infrequent drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2269,1635],[‘Age 30’, 1569,1141],[‘Age 40’, 1459,1059],[‘Age 50’, 1275,929],[‘Age 60’, 1235,897],[‘Age 70’, 1437,1041]]);var options = {title: ‘Effect of Discounts on Insurance Price for Infrequent Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Irresponsible driving raises your rates

The easiest method to find the cheapest auto insurance for infrequent drivers in Nevada is to drive carefully and avoid traffic citations and accidents. The example below illustrates how violations and accidents can impact insurance premiums for different ages of insureds. The prices are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2061,2511,4301],[‘Age 30’, 1073,1519,3309],[‘Age 40’, 1041,1491,3279],[‘Age 50’, 957,1403,3191],[‘Age 60’, 937,1385,3177],[‘Age 70’, 1097,1547,3335]]);var options = {title: ‘Effect of Tickets and Claims on Nevada Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Nevada’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,194. Factor in two speeding tickets and the average cost hikes up to $1,643, an increase of $448 each year. Then include two accidents along with the two speeding tickets and the annual cost of auto insurance for infrequent drivers increases to an average of $3,432. That’s an increase of $2,238, or $186 per month, just for not driving responsibly!

How to find low-cost insurance for infrequent drivers

Below you’ll find some of the better thrifty suggestions that can help you buy low-cost auto insurance.

  • Just one traffic violation will increase your rates
  • Do not get into accidents that are your fault
  • Raise your physical damage coverage deductibles
  • Older vehicles may not need full coverage
  • Avoid price increases by not filing claims
  • Keep rates low by shopping around frequently

The last suggestion is extremely crucial, as was discussed in this piece. Rates in Nevada fluctuate constantly, so you should be ready to buy from a new company if you find a cheaper price.

Loyalty to a specific company is fine, but it’s not recommended if that devotedness results in you overpaying hundreds every year. If you have a few minutes, compare rates to find cheaper auto insurance for infrequent drivers.