Who Has Cheap Las Vegas Car Insurance Rates for Police Officers?

The car, truck, or SUV you are seeking coverage for is probably the most important factor in finding low-priced auto insurance for police officers. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The table below ranks insurance premiums for the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Las Vegas, NV
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,478
Dodge Grand Caravan SE $2,774
Ford Escape Limited 2WD $2,903
Honda Odyssey EX-L W/Navigation $3,078
Honda CR-V EX 4WD $3,103
Volkswagen Jetta 2.0T 4-Dr Sedan $3,135
Jeep Wrangler Rubicon 4WD 2-Dr $3,182
Honda Civic SI 4-Dr Sedan $3,232
Ford Focus SES 2-Dr Coupe $3,292
GMC Sierra SLT Crew Cab 4WD $3,346
Toyota Camry Hybrid $3,349
Chevrolet Silverado LS Regular Cab 2WD $3,360
Toyota Prius $3,367
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Table data represents 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, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in Las Vegas, NV location which can modify coverage rates significantly.

Based on these rates, we can expect models like the Hyundai Elantra, Dodge Grand Caravan, Ford Escape, and Honda Odyssey will definitely be some of the more affordable vehicles to insure for law enforcement personnel.

Comparing rates for affordable car insurance is not always easy, and deciding which company offers the best car insurance rates for police officers involves even more diligence. Each insurance company uses slightly different criteria for filing rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Nevada.

Lowest Insurance Price Quotes for Law Enforcement

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Rankings for the cheapest Nevada auto insurance companies
Rank Company Cost Per Year
1 Allied $921
2 Travelers $939
3 Capital $1,008
4 Oregon Mutual $1,182
5 Progressive $1,190
6 American Family $1,218
7 GEICO $1,269
8 Safeco $1,320
9 Nationwide $1,321
10 USAA $1,336
11 Farmers $1,452
12 MetLife $1,567
13 Country $1,668
14 State Farm $1,732
15 Mercury $1,825
16 Victoria $2,031
17 Liberty Mutual $2,227
18 Allstate $2,314
19 Bristol West $2,336
20 Encompass $2,710
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Allied quotes some of the lowest car insurance rates in Las Vegas at around $921 each year. Travelers, Capital, Oregon Mutual, and Progressive also are some of the best Las Vegas, NV insurance companies.

As shown in the rates above, if you are a customer of Travelers and switched to Allied, you might achieve yearly savings of in the neighborhood of $18. Nevada drivers with Capital might save as much as $87 a year, and Oregon Mutual insureds might see rate reductions of $261 a year.

To see how much you can save, click here to begin a quote or visit several of the following companies.

These prices are averaged for all drivers and vehicles in Nevada and do not factor in an exact zip code location for police officers. So the insurer that fits your situation best may not even be in the list above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

Discount Las Vegas insurance

Discounts on car insurance for police officersAuto insurance companies that offer quotes for police officers may also offer policy discounts that could lower prices by as much as 35% if you meet specific eligibility requirements. A list of companies and a selection of discounts are outlined below.

The illustration below shows the comparison of annual premium costs with and without discounts applied to the policy rates. Data assumes a female driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, claim-free, anti-theft, safe-driver, marriage, and passive restraint discounts applied. When taking advantage of discounts, the average savings per year on car insurance for police officers is 27% or $424.

Las Vegas car insurance company ratings

Finding a highly-rated auto insurance company is difficult considering how many different companies there are to choose from in Nevada. The company information below may help you select which car insurance companies you want to consider when shopping insurance around for police officers.

These ratings are only comprised of large nationwide companies, so companies that may only write in Nevada are not taken into consideration for this list. To view rates from the insurers below and more, follow this link.

Best 15 Car Insurance Companies for Police Officers in Las Vegas
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

Responsible drivers pay cheaper Las Vegas car insurance rates

A great way to snag good car insurance premiums in Las Vegas for law enforcement personnel is to be an attentive driver and avoid accidents and violations. The diagram below illustrates how traffic citations and accident claims increase insurance costs for different age groups of insureds. The rates are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.

In the previous example, the average cost of car insurance in Las Vegas per year with no accidents and a clean driving record is $1,699. Get one speeding ticket and the average cost swells to $1,922, an increase of $223 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for police officers jumps again to an average of $2,558. That’s an increase of $859, or $72 per month, just for not being attentive to the road!