How Much are Auto Insurance Quotes for Low Mileage Drivers in Nevada?

Determining which company has the best insurance rates for low mileage drivers involves a little more effort in order to find the most economical policy. Every auto insurer uses their own formula to set policy rates, so let’s rank the most affordable insurance companies in Nevada.

We do need to point out that Nevada insurance rates are calculated based on many things which can substantially change the price you pay for coverage. Simply getting older, buying a different home, or getting a ticket for running a stop sign can cause premium changes that can now make some companies cheaper than competitors.

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Travelers may have some of the cheapest car insurance rates in Nevada at around $930 annually. Allied, Capital, Progressive, and Oregon Mutual also qualify as some of the lowest-priced Nevada auto insurance companies.

As the example above demonstrates, if you are a policyholder with Allied and switched to Travelers, you may see a yearly price reduction of about $9. Nevada drivers with Capital could save as much as $88 a year, and Progressive insureds might cut rates by $260 a year.

To find cheap insurance for low mileage drivers in Nevada, click here to start your custom quote or quote rates from the companies below.

Bear in mind that those premium estimates are averaged across all drivers and vehicles and do not take into consideration a rate decrease for low mileage drivers. So the company that is best suited for you may not even be in the list of companies shown earlier. That illustrates why you need to get rate quotes from many companies using your own driver data and vehicle information.

The vehicle model that needs insurance is one of the largest considerations that determines the availablility of cheap insurance for low mileage drivers in Nevada. Vehicles with high performance engines, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more modest models.

The next list presents car insurance premiums for a selection of the cheapest vehicles to insure in Nevada.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle garaging location which can influence auto insurance rates noticeably.

Looking at the data, we can conclude that cars like the Honda CR-V, Honda Accord, Hyundai Tucson, and Dodge Grand Caravan are the cheapest vehicles to insure for infrequent drivers.

Should you buy full coverage?

Finding cheap insurance for low mileage drivers in Nevada is probably important to most vehicle owners, and one great way to pay less for insurance is to only buy liability coverage. The chart below visualizes the comparison of auto insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or driving citations, $250 deductibles, drivers are single, and no other discounts are factored in.

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As an average, physical damage coverage on your policy costs an additional $1,621 per year more than insuring for liability only. Many drivers will wonder when is the right time to remove full coverage. There is no clear-cut rule of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

Buying coverage from the best insurer can be rather challenging considering how many companies there are in Nevada. The company rank data in the next section may help you decide which coverage providers you want to consider purchasing a policy from.

These rankings are only comprised of large insurance companies, so smaller companies are not included in this list. If you’d like to compare prices and find cheaper insurance for low mileage drivers, click here.

Top 10 Large Car Insurance Companies in Nevada Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

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

When comparing car insurance for infrequent drivers in Nevada, some of the first companies to look at are Progressive, Allstate, State Farm, and Geico. They all offer a distinct set of features and optional coverages that shoppers can select from. The table below rates ratings and policy coverage options .