Wouldn’t it be nice if we could tell you instantly the single best company in Las Vegas that has the cheapest car insurance rates for immigrants? It’s not that easy, however, as there are many unknown factors such as your financial responsibility, if you want full coverage, how experienced of a driver you are, and if you are a homeowner. The content below will cover the best ways to compare rates and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance.
The type of vehicle requiring coverage is probably the largest consideration when quoting the best auto insurance for immigrants. Vehicles with high performance engines, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models. The table below shows insurance costs for a selection of the cheapest automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$2,474|
|Volkswagen Jetta S 2.5 Station Wagon||$2,677|
|Ford Explorer Eddie Bauer 2WD||$2,774|
|Jeep Wrangler Rubicon 4WD 2-Dr||$2,783|
|Honda Accord LX 4-Dr Sedan||$2,838|
|Jeep Grand Cherokee Laredo 2WD||$2,924|
|Hyundai Elantra SE Touring Station Wagon||$3,077|
|Ford Escape XLT 4WD||$3,102|
|GMC Sierra SLT Crew Cab 2WD||$3,134|
|Nissan Rogue S AWD||$3,138|
|Ford F-150 XLT Super Cab 2WD||$3,181|
|Toyota Tacoma 4WD||$3,190|
|Toyota Camry Hybrid||$3,348|
|Dodge Grand Caravan Hero||$3,355|
|Ford Focus SEL 4-Dr Sedan||$3,466|
|Ford Edge Limited 2WD||$3,520|
|Honda Odyssey EX-L W/Navigation||$3,530|
|Chevrolet Silverado 2500HD LTZ Crew Cab 2WD||$3,559|
|Chevrolet Silverado LT Crew Cab 4WD||$3,591|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in garaging location in Las Vegas, NV which can raise or lower price quotes significantly.
Based on these rates, you can assume that vehicles like the Honda CR-V, Volkswagen Jetta, Toyota Prius, and Ford Explorer are the cheaper vehicles to insure for foreigners.
One of the more important criteria that are looked at to help calculate car insurance rates is your zip code. Areas with more people or more claims will most likely have higher rates, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.
The information below lists the highest-priced places in Nevada for immigrants to buy auto insurance in. Las Vegas ranks #6 with a yearly cost of $1,892 for coverage, which is around $158 per month.
|Rank||City||Premium Per Year|
|5||North Las Vegas||$1,900|
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Premium costs are comparative as the vehicle garaging location can affect prices greatly.
Safe drivers Las Vegas pay cheaper rates
The best way to find the cheapest insurance prices in Las Vegas for foreigners is to drive cautiously and avoid tickets and accidents. The information below demonstrates how speeding tickets and at-fault collisions drive up insurance prices for different age groups. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance in Las Vegas per year with no accidents or violations is $1,103. Factor in one speeding ticket and the average cost hikes up to $1,270, an increase of $168 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for immigrants jumps again to an average of $1,728. That’s an increase of $626, or $52 per month, just for not being a responsible driver!
Comparison of full coverage and liability-only policies
Paying a lower price for insurance is the goal of most vehicle owners, and one good way to find cheaper insurance for immigrants is to not buy full coverage. The example below visualizes the comparison of insurance rates with full physical damage coverage and with liability coverage only. The data is based on a clean driving record, no claims, $100 deductibles, marital status is single, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, comp and collision coverage costs $2,368 per year more than carrying just liability coverage. At some point, every insured wonders if it’s a good idea to buy full coverage. There is no clear-cut formula of when to eliminate physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
There are some cases where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
If you wish to have professional advice when shopping around for cheaper insurance for foreigners, the agents below can probably help you determine which coverage meets your needs best. To find a Las Vegas insurance agent by location nearest to you, click the button following the list.
Universal Insurance Agency
348 N Nellis Blvd – Las Vegas, NV 89110 – (702) 838-5141
Farmers Insurance – Nino Jimenez
3375 Glen Ave #10 – Las Vegas, NV 89121 – (702) 696-1606
Leavitt Group – Leavitt Insurance Agency
7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010
Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777
Tom Ferrier – State Farm Insurance Agent
7528 Westcliff Dr – Las Vegas, NV 89145 – (702) 255-7770
View more Las Vegas, NV insurance agencies
How to find low-cost car insurance for immigrants
The list below details a few money-saving solutions that can help Nevada drivers find lower-cost car insurance.
- Do not get traffic tickets
- Accidents can significantly increase rates
- Try to not file small claims
- Drive a car with a high safety rating
- Do not insure for full coverage
- Home or renters coverage can save on auto insurance
- Shop around for cheaper prices often
That last piece of advice is notably significant, as we pointed out in this write-up. Car insurance rates can be changed at any time, so you should be ready to switch companies if a lower price can be found.
Loyalty to a specific company is fine, but we do not recommend it if that inflexibility results in costing you a wad of cash every year. If you have a few minutes, shop around to find cheaper auto insurance for immigrants in Las Vegas.