It’s impossible to miss the captivating ads from companies like Allstate and State Farm that claim big savings, so you just need to pick the company with the catchiest ad, right?
Unfortunately, it’s not that simple as there are a whole slew of unknown aspects such as if you own or rent your home, the safety features built into your vehicle, if you want full coverage included, and where you live in Las Vegas, that all go into determining the rate you pay. If you keep reading, we will teach you about these topics and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Las Vegas.
The car, truck, or SUV you are seeking coverage for is a large consideration when shopping around for cheaper auto insurance for government employees. Vehicles with economical engines, good safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models. The data below ranks auto insurance costs for a handful of the cheaper vehicles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Explorer XLT AWD||$2,866|
|Chevrolet Impala LS||$2,964|
|Ford Escape Limited 2WD||$2,993|
|Chevrolet Malibu Hybrid||$3,022|
|Chevrolet Silverado LT Extended Cab 4WD||$3,031|
|Toyota Camry XLE||$3,182|
|Hyundai Elantra GLS 4-Dr Sedan||$3,189|
|Honda CR-V EX 4WD||$3,211|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$3,240|
|Chevrolet Equinox LTZ AWD||$3,250|
|Jeep Wrangler Sahara 4WD 2-Dr||$3,283|
|Honda Accord LX-S 2-Dr Coupe||$3,399|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in zip code location which can lower or raise premium rates substantially.
Looking at the rates, you can presume that cars like the Ford Explorer, Chevrolet Impala, Ford Escape, and Chevrolet Malibu will be a few of the cheaper vehicles to insure for state and federal workers.
Locating cheap insurance is not the easiest thing to do, and finding out which company offers the cheapest auto insurance rates for government employees calls for even more work. Each company has their own formula for establishing rates, so let’s begin by examining the most affordable auto insurance companies in Las Vegas.
Best Cheap Insurance Rates in Nevada
|Rank||Company||Cost Per Year|
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Travelers offers some of the cheapest car insurance rates in Las Vegas at around $903 annually. This is $671 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, American Family, and Oregon Mutual also make the cut as some of the cheapest Las Vegas, NV insurance companies.
As shown in the rates above, if you currently have coverage with American Family and switched to Allied, you might see an annual savings of about $233. Policyholders with Oregon Mutual could save as much as $233 a year, and Progressive insureds might lower prices by up to $241 a year.
Bear in mind that those premiums are averaged across all types of insureds and vehicles and and are not calculated with an exact location for government employees. So the company that can offer you the best rate may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
For state and federal workers, one of the big factors that determine the cost of insurance is where you call home. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The information below rates the highest-priced places in Nevada for government employees to buy auto insurance in. Las Vegas is ranked #5 with the annual price of $1,873 for the average insurance policy, which is approximately $156 per month.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,826|
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Table data uses approximated as specific location information can modify coverage prices greatly.
The diagram below shows how choosing a deductible can raise or lower premium costs when trying to find cheap insurance for government employees. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 30-year-old driver could save $238 a year by switching from a $100 deductible to a $500 deductible, or save $360 by using a $1,000 deductible. Young drivers, like the Age 20 category, can save up to $714 annually just by choosing higher deductibles.
When using a larger deductible, it is a good idea to have additional savings on hand to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Drive safe and save
The ideal way to enjoy cheap auto insurance rates for state and federal workers is to pay attention while driving and avoid accidents and violations. The example below demonstrates how traffic citations and at-fault fender-benders impact insurance rates for each different age category. The premium estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Las Vegas per year with no accidents or violations is $2,368. Get two speeding tickets and the average cost jumps to $3,145, an increase of $777 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for government employees increases to an average of $5,927. That’s an increase of $3,559, or $297 per month, just for not being a responsible driver!
Get discount Las Vegas car insurance rates
Auto insurance companies that sell policies for government employees may additionally offer special discounts that can reduce rates by as much as 35% or more if you qualify for them. A list of auto insurance companies and some of the discounts are outlined below.
- Esurance includes discounts for safety device, good driver, paid-in-full, claim free, anti-lock brakes, and good student.
- The Hartford may include discounts for vehicle fuel type, bundle, good student, anti-theft, driver training, and air bag.
- AAA may have discounts that include anti-theft, good student, AAA membership discount, pay-in-full, and multi-car.
- GEICO has discounts for multi-policy, emergency military deployment, military active duty, five-year accident-free, anti-lock brakes, and driver training.
- State Farm may offer discounts for multiple autos, safe vehicle, good student, Drive Safe & Save, and good driver.
The example below shows the comparison of insurance costs with and without policy discounts. The prices are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, multiple vehicle, claim-free, vehicle safety, safe-driver, and defensive driving course discounts applied. When discounts are applied, theaverage amount saved on auto insurance for government employees is 28% or $541.
How to find budget-friendly insurance for government employees
The list below shows a few thrifty suggestions that can help you get lower-cost coverage.
- At-fault accidents can raise rates significantly
- Do not get traffic tickets
- Do not file small claims
- Bundle car and home insurance and save money
- The safer your car, the less it costs to insure
- Compare rates often to find the best deal
That last piece of advice is particularly critical, as was stressed in the article above. Car insurance rates in Las Vegas vary considerably, so drivers shouldn’t be reluctant to switch companies if you can save money.
Staying with the same car insurance company is fine, but is isn’t recommended if that stubbornness costs you thousands of dollars over several years. Now is a great time to compare prices and find cheaper insurance for government employees.
If you aren’t sure which coverage to buy and prefer to have a professional recommendation when comparing insurance rates for state and federal workers, the agents below are a good start to provide answers to your questions and help you determine which is the best policy. To find an agent using an interactive map, click the button at the bottom of the list.
Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777
Safeguard Insurance LLC
5225 S Durango Dr – Las Vegas, NV 89113 – (702) 638-0022
Ron Reedom – State Farm Insurance Agent
1943 N Nellis Blvd – Las Vegas, NV 89115 – (702) 459-9546
State Farm: Bree Buckles
1000 S Rampart Blvd #14 – Las Vegas, NV 89145 – (702) 869-6600
9960 W Cheyenne Ave #240 – Las Vegas, NV 89129 – (702) 965-3680