One of the more important criteria used to calculate the cost of insurance is where you live in Nevada. Areas that are densely populated or have higher claim frequency like Winchester, Spring Valley, and Las Vegas tend to pay slightly more, whereas cities that are not as densely populated benefit from having to pay less for coverage.
The following table displays the most expensive cities in Nevada for college graduates to purchase a policy in.
Rank | City | Annual Rate |
---|---|---|
1 | Winchester | $2,158 |
2 | Paradise | $2,041 |
3 | Spring Valley | $2,040 |
4 | Sunrise Manor | $2,029 |
5 | Las Vegas | $1,949 |
6 | North Las Vegas | $1,882 |
7 | Enterprise | $1,870 |
8 | Henderson | $1,749 |
9 | Boulder City | $1,557 |
10 | Pahrump | $1,377 |
11 | Mesquite | $1,351 |
12 | Sparks | $1,317 |
13 | Sun Valley | $1,292 |
14 | Reno | $1,244 |
15 | Spanish Springs | $1,229 |
16 | Carson City | $1,158 |
17 | Gardnerville Ranchos | $1,116 |
18 | Elko | $1,114 |
19 | Dayton | $1,108 |
20 | Fernley | $1,103 |
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Information shown are estimated as zip code location can impact coverage rates significantly.
The vehicle model requiring coverage is probably the biggest factor when looking for the cheapest insurance for college graduates. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than safer models. The next list features car insurance prices for the cheapest automobiles to buy coverage for.
Vehicle Make and Model | Estimated Cost for Full Coverage |
---|---|
Toyota Prius | $730 |
Chevrolet Traverse LTZ AWD | $740 |
Ford Explorer XLT 4WD | $739 |
Ford Edge Limited 2WD | $765 |
Honda CR-V EX 4WD | $773 |
Volkswagen Jetta LE 4-Dr Sedan | $780 |
Chevrolet Malibu Hybrid | $790 |
Kia Forte SX 4-Dr Sedan | $795 |
Subaru Outback 3.6R | $804 |
Honda Accord EX 4-Dr Sedan | $810 |
Ford Escape XLT 2WD | $817 |
GMC Sierra SLT Extended Cab 2WD | $835 |
Hyundai Santa Fe Limited 4WD | $843 |
Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $850 |
Ford Focus S 4-Dr Sedan | $880 |
Nissan Rogue SL AWD | $889 |
Ford Fusion Sport AWD 4-Dr Sedan | $892 |
Toyota RAV4 Limited 4WD | $896 |
Jeep Grand Cherokee Laredo 2WD | $906 |
Subaru Forester X Limited Edition W/Navigation AWD | $900 |
Dodge Ram Quad Cab Sport 4WD | $911 |
Honda Civic EX 4-Dr Sedan | $926 |
Toyota Corolla XLE | $942 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can affect prices greatly.
Based upon these rates, models like the Toyota Prius, Chevrolet Traverse, and Ford Explorer are going to be the less-costly vehicles to insure for college grads.
When it comes to buying auto insurance for college grads in Nevada, the most popular companies are Geico, Allstate, State Farm, and Progressive. The following table rates ratings for price and service, as well as some optional coverages offered by each company.
Geico | Allstate | State Farm | Progressive | |
---|---|---|---|---|
Overall Satisfaction | 1st | 2nd | 4th | 3rd |
Policy Cost | 1st | 4th | 2nd | 3rd |
Discounts Offered | 2nd | 1st | 3rd | 4th |
Claims Service | 3rd | 1st | 2nd | 4th |
Mechanical breakdown insurance | Yes | No | No | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
New car replacement insurance | No | Yes | No | No |
Rate for vehicle usage | No | Yes | Yes | Yes |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Roadside service | Yes | Yes | Yes | Yes |
Insure in Nevada | Yes | Yes | Yes | Yes |
Where to buy | Online or through a Geico agent | Allstate exclusive agents | Only from State Farm agents | Indpendent agents or online |
Number of agents | 150+ | 11,000+ | 18,000+ | 30,000+ |
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