What Insurance is Cheapest for Infrequent Drivers in Las Vegas?

The vehicle you are insuring is probably the biggest factor when comparing the cheapest insurance for infrequent drivers. Vehicles with lower acceleration and performance, good safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.

The next list estimates car insurance costs for a number of the most cost-effective automobiles to insure in Nevada.

Cheapest Vehicles to Insure in Las Vegas, NV
Make and Model Estimated Cost for Full Coverage
Jeep Wrangler Sport 4WD 2-Dr $2,443
Ford Escape XLS 2WD $2,668
Honda CR-V EX-L 2WD $2,741
Ford Edge SEL AWD $2,744
Toyota Prius $2,880
Hyundai Elantra GLS 4-Dr Sedan $2,949
Honda Odyssey EX-L W/Rear Entertainment $2,958
Toyota Corolla S $2,949
Nissan Rogue SL 2WD $3,001
Volkswagen Jetta 2.0T 4-Dr Sedan $3,006
Ford Explorer XLT AWD $3,008
Dodge Grand Caravan Hero $3,063
Chevrolet Impala LT $3,073
Chevrolet Malibu Hybrid $3,063
GMC Sierra SL Extended Cab 2WD $3,072
Ford F-150 STX Super Cab 4WD $3,077
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,126
Toyota RAV4 Sport 4WD $3,153
Ford Focus SEL 4-Dr Sedan $3,171
GMC Sierra 2500HD SLE Regular Cab 2WD $3,205
Honda Accord EX-L 2-Dr Coupe $3,213
Honda Civic LX-S 4-Dr Sedan $3,226
Chevrolet Silverado LS Crew Cab 4WD $3,292
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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, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific location information which can influence premiums significantly.

Looking at the numbers, we can presume that makes and models like the Jeep Wrangler, Ford Escape, Honda CR-V, Ford Edge, and Toyota Prius are likely to be a few of the cheaper vehicles to insure for low mileage drivers.

Trying to find budget auto insurance is not always easy, and finding out which insurers offer the cheapest car insurance rates for infrequent drivers will involve even more diligence.

Each auto insurer has a different formula to determine rates, so we’ll go over the overall cheapest car insurance companies in Las Vegas, NV. It’s a good idea to be aware that Las Vegas car insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Price variation is why it is critical to compare as many rates as possible to find affordable insurance rates for infrequent drivers. Auto insurance prices are influenced by many different factors and change frequently, so the best company a year ago may now be costing you a lot of money.

Best Insurance Companies in Nevada

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What’s the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Travelers $912
2 Allied $921
3 Capital $1,008
4 American Family $1,182
5 Oregon Mutual $1,182
6 Progressive $1,202
7 GEICO $1,232
8 Nationwide $1,282
9 Safeco $1,306
10 USAA $1,323
11 Farmers $1,438
12 Country $1,602
13 MetLife $1,615
14 State Farm $1,732
15 Mercury $1,753
16 Victoria $2,093
17 Liberty Mutual $2,227
18 Allstate $2,314
19 Bristol West $2,336
20 Encompass $2,604
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Travelers offers some of the best car insurance rates in Las Vegas at around $912 annually. Allied, Capital, American Family, and Oregon Mutual also qualify as some of the more affordable Las Vegas, NV auto insurance companies.

As shown in the rates above, if you are insured with Allied and switched to Travelers, you might realize an annual premium reduction of in the vicinity of $9. Customers with Capital may save as much as $96 a year, and American Family policyholders might lower prices by up to $270 a year.

To see how much you can save, click here to get quotes or visit any of the companies below.

Bear in mind that those policy prices are averages across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for infrequent drivers. So the company that is most affordable for your situation may not even be in the top 20 companies in the list above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.

One of the many considerations that are used to help calculate auto insurance rates is where you normally keep your vehicle in Las Vegas. Larger areas will most likely pay more, whereas more rural areas benefit from lower prices.

The illustration below sorts the highest-priced places in Nevada for infrequent drivers to buy an auto insurance policy in. Las Vegas is ranked #5 with an annual cost of $1,892 for the average insured, which is approximately $158 each month.

How much does car insurance cost in Las Vegas, NV?
Rank City Annual Rate
1 Winchester $2,158
2 Spring Valley $2,040
3 Sunrise Manor $2,029
4 Paradise $2,001
5 Las Vegas $1,892
6 Enterprise $1,851
7 North Las Vegas $1,826
8 Henderson $1,767
9 Boulder City $1,511
10 Pahrump $1,323
11 Sparks $1,317
12 Mesquite $1,311
13 Sun Valley $1,253
14 Reno $1,244
15 Spanish Springs $1,216
16 Carson City $1,158
17 Gardnerville Ranchos $1,150
18 Dayton $1,141
19 Spring Creek $1,125
20 Fernley $1,103
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Premium costs are approximated as the specific garaging location can revise auto insurance rates significantly.

The information below shows how choosing a deductible can affect insurance costs when quoting cheap insurance for infrequent drivers. The costs are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

In the chart above, a 40-year-old driver could pocket $244 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $370 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could save $620 each year just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough in a savings account to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Types of discounts on Las Vegas insurance

Car insurance for low mileage drivers in Las Vegas, NVInsurance companies that offer coverage for infrequent drivers may provide special discounts that could potentially reduce rates by 30% or more if you meet eligibility requirements. The best car insurance companies and their offered discounts are outlined below.

The chart below compares auto insurance rates with and without discounts applied. Data assumes a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, claim-free, vehicle safety, marriage, accident-free, and anti-theft discounts applied. When discounts are applied, the average savings per year on car insurance for infrequent drivers is 28% or $571.

Ideas to find more affordable auto insurance for infrequent drivers

Below you’ll find some of the better penny-pinching solutions that can help drivers locate cheap car insurance.

The last tip in the list is highly necessary, as was stressed in the prior article. Car insurance rates fluctuate considerably, so drivers shouldn’t be resistant to buy a policy from a new company if you find a better deal. Having a favorite company is great, but it isn’t a good idea if it’s costing you hundreds of dollars a year. Take a few minutes and compare prices to find cheaper car insurance for infrequent drivers in Las Vegas.