Finding good, low-cost auto insurance is tough enough, and deciding which insurers offer the cheapest car insurance rates for teachers may require a little more work. Prices will probably be slightly lower-priced than the average price in Nevada attributed to the potential for fewer claims that goes along with offering coverage for teachers and educators. Cheap insurance should be readily available from a lot of different insurance providers.
Every insurance provider has their own unique process for filing rates in each state, so let’s begin by taking a look at the car insurance companies with the most affordable rates in Nevada.
We do need to point out that Nevada car insurance rates are determined by lots of factors that control the price you pay. Price variation is why consumers need to shop around with many companies when trying to find the most affordable car insurance rates for teachers. Insurance rates can be determined by many factors and change substantially, so the most economical option the last time you shopped around may now be one of the more expensive options.
Find the Cheapest Auto Insurance for Educators
Travelers may have some of the lowest car insurance rates in Nevada at around $903 each year. Allied, Capital, American Family, and Progressive also are some of the cheaper Nevada auto insurance companies.
As the rates illustrate above, if you are a policyholder with Allied and switched to Travelers, you could see yearly savings of upwards of $46. Nevada drivers with Capital might save as much as $85 a year, and American Family insureds might reduce rates by $279 a year.
These policy prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a rate discount for teachers. So the insurer that can offer the best rates for your situation may not even be in the company chart above. That’s why you need to get rate quotes using your own driver data and vehicle information.
When buying car insurance for teachers and educators, one of the key factors that aid in calculating the cost of insurance is where your home is located in Nevada. Cities with larger populations like Winchester, Sunrise Manor, and Las Vegas tend to pay more, whereas areas that are not as densely populated generally pay less for car insurance.
The next table ranks the more expensive cities in Nevada for teachers in which to buy car insurance.
Rank | City | Annual Rate |
---|---|---|
1 | Winchester | $2,094 |
2 | Paradise | $2,041 |
3 | Sunrise Manor | $2,029 |
4 | Spring Valley | $1,980 |
5 | Las Vegas | $1,930 |
6 | North Las Vegas | $1,882 |
7 | Enterprise | $1,851 |
8 | Henderson | $1,767 |
9 | Boulder City | $1,495 |
10 | Mesquite | $1,351 |
11 | Pahrump | $1,337 |
12 | Sparks | $1,304 |
13 | Reno | $1,282 |
14 | Spanish Springs | $1,266 |
15 | Sun Valley | $1,266 |
16 | Carson City | $1,158 |
17 | Gardnerville Ranchos | $1,138 |
18 | Elko | $1,125 |
19 | Fernley | $1,115 |
20 | Spring Creek | $1,114 |
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Rates are estimated as the specific zip code location can change premiums considerably.
When it comes to car insurance for teachers and educators in Nevada, four companies you’ll want quotes from are Allstate, State Farm, Geico, and Progressive. Between them, they make up almost half of all policies written. Each one has a distict selection of optional coverages and features that drivers can select from. The data below ranks ratings and policy coverage options that are available from each company.
Allstate | State Farm | Geico | Progressive | |
---|---|---|---|---|
Number of Discounts | 1st | 3rd | 2nd | 4th |
Client Satisfaction | 2nd | 4th | 1st | 3rd |
Claims Rank | 1st | 2nd | 3rd | 4th |
Price Overall | 4th | 2nd | 1st | 3rd |
U.S. market share | 10% | 18.3% | 11.4% | 8.8% |
Roadside service | Yes | Yes | Yes | Yes |
Usage-based rating | Yes | Yes | No | Yes |
Accident forgiveness | Yes | No | Yes | Yes |
Breakdown insurance | No | No | Yes | Yes |
New car replacement insurance | Yes | No | No | No |
Rideshare coverage | Yes | Yes | Yes | Yes |
Coverage in Nevada | Yes | Yes | Yes | Yes |
Insurance Agents | Allstate exclusive agents | Only from State Farm agents | Both online and from Geico agents | Online or from independent agents |
Number of agents | 11,000+ | 18,000+ | 150+ | 30,000+ |
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