Finding decent, cost effective auto insurance is hard enough, and determining which companies have the lowest-priced insurance rates for safe drivers may require even more perseverance.
Every auto insurer has a different formula to determine premium rates, so we need to take a look at the insurance companies with the overall cheapest rates in Las Vegas. It’s important to understand that Nevada insurance rates are calculated based on many things that control the price of coverage. Events such as a birthday, buying another vehicle, or getting a driving violation can produce rate changes that can make some companies affordable when they were higher priced.
Find the Cheapest Car Insurance for Safe Drivers
|Rank||Company||Cost Per Year|
|Compare Rates Now Go|
Travelers offers some of the lowest car insurance rates in Las Vegas at around $939 annually. This is $635 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also qualify as some of the most economical Las Vegas, NV auto insurance companies.
As the example above demonstrates, if you currently buy coverage from Oregon Mutual and switched to Travelers, you might see savings of around $219. Nevada drivers with American Family could save as much as $279 a year, and GEICO customers might see rate reductions of $280 a year.
To get a fast rate comparison, click here to start your free quote or visit any of the companies below.
Bear in mind that those premiums are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific zip code for safe drivers. So the auto insurance company that has the lowest price for you may not even be in the top 20 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
The car, truck, or SUV on the policy is one of the biggest factors when comparison shopping for the best cheap car insurance for safe drivers. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The next table shows insurance prices for the most budget-friendly automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$2,543|
|Honda CR-V EX 4WD||$2,788|
|Dodge Grand Caravan CV||$2,792|
|Ford Edge Limited 2WD||$2,895|
|Toyota RAV4 4WD||$2,952|
|Chevrolet Malibu LS||$2,957|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$3,037|
|Ford F-150 XL Regular Cab 4WD||$3,051|
|Ford F-350 XL Super Cab 2WD||$3,062|
|Toyota Camry SE||$3,108|
|Nissan Rogue S 2WD||$3,158|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$3,165|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$3,171|
|Honda Odyssey Touring||$3,165|
|Chevrolet Impala LT||$3,229|
|Ford Focus S 4-Dr Sedan||$3,247|
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rates do not factor in Las Vegas, NV location which can decrease or increase premium rates noticeably.
By looking at the data, you can expect makes and models like the Ford Escape, Toyota Prius, Honda CR-V, Dodge Grand Caravan, and Ford Edge should be some of the most budget-friendly vehicles to insure for good drivers.
One of the more important criteria that aid in calculating the amount you pay for auto insurance is the neighborhood you call home in Las Vegas. Areas with more people or more claims will most likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The table below rates the highest-priced places in Nevada for safe drivers to buy an auto insurance policy in. Las Vegas is listed at #5 with the annual price of $1,930 for the average policyholder, which is approximately $161 monthly.
|7||North Las Vegas||$1,844|
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Prices are approximated as vehicle location can alter price quotes considerably.
How accidents and tickets impact rates
The best way to earn good insurance prices in Nevada for good drivers is to drive cautiously and avoid accidents and keep your driving record clean. The example below illustrates how violations and at-fault collisions can impact insurance costs for different categories of driver ages. Data assumes a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the example above, the average cost of an auto insurance policy in Nevada per year with no accidents and a clean driving record is $1,455. Factor in one speeding ticket and the average cost jumps to $1,640, an increase of $185 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for safe drivers jumps again to an average of $3,303. That’s an increase of $1,848, or $154 per month, just for being a little careless behind the wheel!
Get discount Las Vegas insurance
Insurers that provide policies for safe drivers may also provide discounts that can reduce rates by as much as 40% or more if you meet eligibility requirements. Companies and some of the discounts are included below.
- Progressive discounts include homeowner, online quote discount, multi-vehicle, multi-policy, and good student.
- AAA has discounts for good student, education and occupation, pay-in-full, AAA membership discount, multi-policy, and multi-car.
- Farmers Insurance may offer discounts for good student, bundle discounts, early shopping, homeowner, mature driver, electronic funds transfer, and switch companies.
- GEICO includes discounts for anti-lock brakes, military active duty, defensive driver, anti-theft, and federal employee.
- Esurance offers premium reductions for defensive driver, emergency road assistance, good driver, anti-lock brakes, homeowner, claim free, and online quote.
- SAFECO may include discounts for teen safety rewards, accident prevention training, anti-lock brakes, teen safe driver, anti-theft, homeowner, and drive less.
- State Farm has savings for defensive driving training, Drive Safe & Save, multiple autos, multiple policy, passive restraint, driver’s education, and safe vehicle.
The diagram below illustrates the comparison of annual premium costs with and without discounts. The rates are based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, passive restraint, accident-free, vehicle safety, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for safe drivers is 28% or $462.
How to find cheaper auto insurance for safe drivers
Here are some money-saving ideas that can help drivers get more affordable car insurance.
- Older vehicles may not need full coverage
- Serious violations like DUI or reckless driving can increase rates dramatically
- Drive vehicles with five-star safety ratings
- Pay for small claims rather than turning them in to your insurance company
- Drive attentively and avoid accidents
- Save money by bundling your home and auto policies
- Shop around and save
The final tip is extremely vital, as we emphasized in this write-up. Insurance rates in Las Vegas fluctuate constantly, so don’t be afraid to switch companies if a cheaper rate is available. Many drivers prefer to stick with one company, but it’s not recommended if it’s costing you money that could be spent on other things. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for safe drivers.
The Las Vegas auto insurance agencies shown below can answer your questions and help you decide which coverages and limits you need, since some people have coverage questions and would like to have some professional guidance when shopping for cheaper insurance for good drivers. It can be difficult to find the cheapest rates, so insurance agents can provide comfort knowing your policy gives you enough coverage when you need it.
To find an auto insurance agency closest to you, click the button link following the list.
- All Around Insurance Agency, Inc.
3970 N Tenaya Way #110 – Las Vegas, NV 89129 – (725) 696-7707
- Luria Walker – State Farm Insurance Agent
3124 N Rainbow Blvd – Las Vegas, NV 89108 – (702) 645-3300
- Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000
- Insurance Group of Nevada
US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 – Las Vegas, NV 89102 – (702) 996-6434