What Auto Insurance is Cheapest for Handicapped Drivers in Las Vegas?

It’s hard to miss the commercials from auto insurance companies like Liberty Mutual and State Farm guaranteeing enormous savings. So you should just pick the one with the catchiest commercial, right?

Regrettably, it’s not quite that easy, as there are many unknown aspects such as when you were born, your credit history, and the area where you live, that all factor into the price you pay. In this article, we will cover these things and also should give you a good beginning to your quest for cheaper car insurance in Las Vegas.

The type of vehicle on the policy is one of the primary factors that determines whether or not you find low-cost car insurance for handicapped drivers. Vehicles with limited top-end speed, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The list below showcases coverage rates for a handful of the most cost-effective automobiles to insure.

Cheapest Vehicles to Insure in Las Vegas, NV
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $2,408
Chevrolet Impala LS $2,788
Honda CR-V EX 4WD $2,816
GMC Sierra SL Extended Cab 2WD $2,844
Chevrolet Malibu LS $2,853
Toyota RAV4 Sport 2WD $2,844
Toyota Tacoma Double Cab 4WD $2,850
Honda Accord EX-L 4-Dr Sedan $2,985
Toyota Corolla XLE $2,992
Toyota Prius $3,045
Jeep Grand Cherokee Limited 4WD $3,054
Nissan Rogue SL 2WD $3,052
Dodge Grand Caravan SE $3,091
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $3,249
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $3,302
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can influence prices considerably.

By looking at the data, we can tell that vehicles like the Ford Escape, Chevrolet Impala, Honda CR-V, and GMC Sierra should be a few of the cheaper vehicles to insure for drivers with handicaps.

For drivers with handicaps, one of the largest components that help determine the price you pay for insurance is the neighborhood you call home in Las Vegas. More populated areas are more likely to have higher rates, whereas areas with less congestion have the luxury of lower rates.

The next table ranks the most expensive areas in Nevada for handicapped drivers to purchase auto insurance in. Las Vegas comes in at #5 with a yearly cost of $1,949 for coverage, which is approximately $162 each month.

How much does car insurance cost in Las Vegas, NV?
Rank City Annual Rate
1 Winchester $2,116
2 Sunrise Manor $2,090
3 Spring Valley $2,040
4 Paradise $2,001
5 Las Vegas $1,949
6 North Las Vegas $1,882
7 Enterprise $1,851
8 Henderson $1,767
9 Boulder City $1,495
10 Mesquite $1,325
11 Pahrump $1,323
12 Reno $1,282
13 Sparks $1,265
14 Sun Valley $1,253
15 Spanish Springs $1,229
16 Gardnerville Ranchos $1,138
17 Carson City $1,136
18 Dayton $1,130
19 Fernley $1,115
20 Spring Creek $1,114
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Premium costs are estimated as specific location information can alter auto insurance rates greatly.

Liability only or full coverage

Reducing premiums for auto insurance is the goal of the majority of drivers, and one of the easiest ways to save on the cost of insurance for handicapped drivers is to not buy comprehensive and collision coverage. The information below illustrates the comparison of insurance premiums with and without full coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied to the premium.

If averaged out across all ages, full coverage on your policy costs $1,940 per year over and above liability only. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no clear-cut formula of when to exclude physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

Finding the top company is hard considering how many different companies there are to choose from in Las Vegas. The ranking information shown below may help you select which insurers you want to consider comparing rates with. These ratings are only comprised of companies that insure vehicles across America, so smaller regional companies are not factored into the list.

Best 15 Auto Insurance Companies for Handicapped Drivers in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
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Data Source: Insure.com Best Car Insurance Companies

Accidents and violations increase rates

The recommended way to receive the most affordable auto insurance premiums in Nevada for drivers with handicaps is to drive cautiously and avoid tickets and accidents. The chart below illustrates how speeding tickets and at-fault claims can influence yearly insurance costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of a car insurance policy in Las Vegas per year with a clean driving record and no accidents is $1,512. Receive two speeding tickets and the average cost rises to $2,091, an increase of $579 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of auto insurance for handicapped drivers increases to an average of $2,668. That’s an increase of $1,156, or $96 per month, just for not being attentive to the road!

Ideas for buying cheaper insurance for handicapped drivers

Here are some of the better thrifty solutions that can help Nevada drivers quote more affordable coverage.

That last idea is highly necessary, as we pointed out in this write-up. Auto insurance prices in Las Vegas fluctuate constantly, so don’t be hesitant to buy a policy from a new company if a better rate can be found.

Having a favorite company is fine, but it’s not a great idea if your bullheadedness ends up costing you money that could be spent on other things. Take a couple minutes and shop around and find cheaper car insurance for handicapped drivers.

The Las Vegas auto insurance agencies shown below can provide answers to your questions and help you determine which auto insurance policy fits you best, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when buying car insurance for drivers with handicaps. It’s not always simple to find the best coverage yourself, so professional agents can provide peace of mind knowing your policy gives you suitable coverage if you have an accident.

To locate an agency using an interactive map, click the button at the bottom of the list or click here to get price quotes now.

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