Cheapest Car Insurance Quotes for Police Officers in Nevada

The make and model of vehicle requiring insurance is one of the primary factors when comparing the best cheap auto insurance for police officers. Vehicles with lots of speed or power, a lack of safety features, or an increased likelihood of liability claims will cost more to insure than more economical and safe models.

The information below shows car insurance rates for a selection of the cheaper vehicles to insure in Nevada.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in zip code location which can raise or lower auto insurance rates substantially.

By looking at the data, makes and models like the Honda Accord, Honda CR-V, Ford Escape, Ford Edge, and Jeep Wrangler are likely to be the most budget-friendly vehicles to insure for law enforcement personnel.

For law enforcement personnel, one of the more important things that is used to help calculate auto insurance rates is where you keep your car in Nevada. Areas with increased crime or more people like Winchester, Sunrise Manor, and Las Vegas likely pay more, whereas areas with less congestion have the luxury of the cheapest auto insurance for police officers in Nevada.

The information below sorts the highest-priced areas in Nevada for police officers to purchase auto insurance in.

Rate information is comparative as specific Nevada zip code can decrease or increase premium rates significantly.

Comparing quotes for low-cost insurance is difficult, and finding out which companies quote the cheapest auto insurance rates for police officers may require additional perseverance. Policy rates may be slightly lower-priced than the average policy in Nevada attributed to the potential for fewer claims related to selling coverage for law enforcement personnel. Cheap insurance should be easy to find from many insurance companies.
Every insurance provider has a different formula to establish rates, so first let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Nevada.

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Travelers quotes some of the cheapest car insurance rates in Nevada at around $903 a year. Allied, Capital, Oregon Mutual, and American Family also are some of the best Nevada auto insurance companies.

In the rate table above, if you are insured with Oregon Mutual and switched to Travelers, you could see yearly savings of approxmiately $255. Insureds with American Family may save as much as $279 a year, and Progressive insureds might reduce rates by $335 a year.

To get a quick, customized rate comparison, click here to start a quote or feel free to get quotes from the companies below.

Be aware that those estimates are averages across all ages of drivers and types of vehicles and and are not figured with a price discount for police officers. So the car insurance company that has the cheapest price for you may not even be included in the list of companies above. That points out the importance of why you need to get quotes using your own personal information and vehicle type.

Safe drivers Nevada pay cheaper rates

A great way to score the cheapest auto insurance prices for law enforcement personnel is to drive safely and avoid at-fault accidents and violations. The information below demonstrates how citations and at-fault fender-benders influence auto insurance costs for different age categories. The premiums assume a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

In the chart above, the average cost of auto insurance in Nevada per year with no violations or accidents is $1,384. Add in one speeding ticket and the average cost surges to $1,591, an increase of $207 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for police officers jumps again to an average of $3,360. That’s an increase of $1,975, or $165 per month, just for not driving responsibly!

The illustration below demonstrates how deductibles can affect premium costs when researching cheap insurance for police officers. The rates are based on a single male driver, full coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could pocket $304 a year by changing from a $100 deductible to a $500 deductible, or save $460 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, have the ability to save up to $1,002 every year by using a higher deductible. If you do make the decision to raise your deductibles, it is a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Which major car insurance company is best?

If you are shopping around for auto insurance for law enforcement personnel in Nevada, four companies you’ll want quotes from are State Farm, Allstate, Progressive, and Geico. Combined they make up over 45% of all auto insurance written. The data below ranks price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.