Who Has Affordable Auto Insurance Rates for Safe Drivers in Las Vegas?

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.

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Rankings for the cheapest car insurance companies in Nevada
Rank Company Cost Per Year
1 Travelers $939
2 Allied $949
3 Capital $1,018
4 Oregon Mutual $1,158
5 American Family $1,218
6 GEICO $1,219
7 Progressive $1,226
8 Nationwide $1,282
9 USAA $1,284
10 Safeco $1,346
11 Farmers $1,452
12 Country $1,602
13 MetLife $1,631
14 State Farm $1,681
15 Mercury $1,771
16 Victoria $2,031
17 Liberty Mutual $2,227
18 Bristol West $2,313
19 Allstate $2,408
20 Encompass $2,710
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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.

Cheapest Vehicles to Insure in Las Vegas, NV
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $2,543
Toyota Prius $2,760
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.

How much does auto insurance cost in Las Vegas?
Rank City Annual Premium
1 Winchester $2,158
2 Sunrise Manor $2,069
3 Paradise $2,061
4 Spring Valley $2,060
5 Las Vegas $1,930
6 Enterprise $1,870
7 North Las Vegas $1,844
8 Henderson $1,749
9 Boulder City $1,541
10 Mesquite $1,351
11 Pahrump $1,337
12 Sparks $1,317
13 Sun Valley $1,292
14 Reno $1,256
15 Spanish Springs $1,229
16 Carson City $1,158
17 Gardnerville Ranchos $1,150
18 Dayton $1,141
19 Fernley $1,115
20 Spring Creek $1,092
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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

Save on insurance for good drivers in Las VegasInsurers 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.

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.

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.

View map of Las Vegas, NV insurance agents