Who Has the Cheapest Auto Insurance Quotes for Teachers in Las Vegas?

The words “cheap” and “insurance” really don’t belong together, especially when looking for the best car insurance rates for teachers. Because it’s not cheap, let’s take a look at some of the factors that influence car insurance prices, and see if you can lower the cost of the next policy you buy.

The vehicle model requiring coverage is one of the biggest factors that determines the availability of the best cheap car insurance for teachers. Vehicles with lots of speed or power, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The next list illustrates coverage premiums for the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Las Vegas, NV
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,474
Ford Explorer XLT AWD $2,774
Dodge Grand Caravan SE $2,781
Ford Focus SE 4-Dr Sedan $2,870
Nissan Altima 2.5 4-Dr Sedan $2,924
Toyota Camry SE $3,077
Honda CR-V EX-L 4WD $3,102
Chevrolet Equinox LTZ AWD $3,134
Toyota Corolla XRS $3,141
Toyota Prius $3,138
Ford Edge SE AWD $3,291
Honda Odyssey LX $3,330
Ford Fusion Sport AWD 4-Dr Sedan $3,345
GMC Sierra SLT Crew Cab 4WD $3,351
Kia Optima SX $3,348
Toyota Camry Hybrid $3,353
Toyota RAV4 2WD $3,355
Chevrolet Malibu Hybrid $3,365
GMC Sierra 3500HD SLT Crew Cab 2WD $3,402
Ford F-150 XLT Super Cab 4WD $3,473
Chevrolet Impala LS $3,520
Toyota Tacoma 2WD $3,526
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $3,559
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in specific Las Vegas, NV garaging location which can raise or lower prices considerably.

Based upon the rates shown, vehicles like the Ford Escape, Ford Explorer, and Dodge Grand Caravan are most likely going to be the most economical vehicles to insure for teachers and educators.

Finding good, affordable car insurance is tough enough, and finding out which company has the best insurance rates for teachers requires additional perseverance. Every car insurance company has their own process for determining rates, so we’ll take a look at the insurance companies with the most affordable rates in Las Vegas.

It’s important that readers know that Las Vegas, NV insurance rates are determined by lots of factors that control the cost of a policy. Simply improving your credit score, buying a home instead of renting, or getting a few speeding tickets can produce rate changes resulting in some companies being more expensive than others.

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Cheapest auto insurance in Nevada ranked by cost per year
Rank Company Cost Per Year
1 Travelers $903
2 Allied $949
3 Capital $1,008
4 Oregon Mutual $1,182
5 American Family $1,194
6 GEICO $1,232
7 Progressive $1,238
8 Nationwide $1,295
9 USAA $1,336
10 Safeco $1,360
11 Farmers $1,482
12 MetLife $1,567
13 Country $1,602
14 State Farm $1,681
15 Mercury $1,825
16 Victoria $2,073
17 Liberty Mutual $2,161
18 Allstate $2,385
19 Bristol West $2,407
20 Encompass $2,630
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Travelers has some of the best car insurance rates in Las Vegas at around $903 each year. Allied, Capital, Oregon Mutual, and American Family would also make the list of some of the cheaper Las Vegas, NV auto insurance companies.

As shown in the table above, if you are a customer of Oregon Mutual and switched to Allied, you might realize annual savings of about $233. Customers with American Family could save as much as $245 a year, and GEICO policyholders might lower prices by $283 a year.

To compare your rates to other Nevada insurance companies, click here or click several companies below for low rates.

These estimates are averages for all drivers and vehicles and are not factoring in an exact zip code location for teachers. So the car insurance company that is best for you may not even be in the top 20 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

For teachers and educators, one of the largest criteria that help determine the annual cost of car insurance is where you live in Las Vegas. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The following table ranks the most expensive cities in Nevada for teachers in which to purchase auto insurance. Las Vegas shows up at #6 with an annual cost of $1,873 for the average policyholder, which is around $156 monthly.

How much does auto insurance cost in Las Vegas?
Rank City Annual Rate
1 Winchester $2,158
2 Paradise $2,061
3 Sunrise Manor $2,029
4 Spring Valley $1,980
5 North Las Vegas $1,900
6 Las Vegas $1,873
7 Enterprise $1,851
8 Henderson $1,715
9 Boulder City $1,511
10 Pahrump $1,364
11 Mesquite $1,325
12 Sparks $1,317
13 Sun Valley $1,266
14 Reno $1,244
15 Spanish Springs $1,216
16 Carson City $1,170
17 Gardnerville Ranchos $1,138
18 Spring Creek $1,125
19 Fernley $1,115
20 Dayton $1,108
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Rates are estimated as specific Las Vegas zip code can increase or decrease auto insurance rates significantly.

Drive responsibly or pay higher rates

The recommended way to get the most affordable insurance premiums in Nevada for teachers and educators is to be a cautious driver and have a clean driving record. The illustration below demonstrates how citations and fender-benders can increase insurance rates for different age categories. The costs are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

The data above shows the average cost of auto insurance in Nevada per year with a clean driving record and no accidents is $1,768. Get one speeding ticket and the average cost swells to $1,990, an increase of $222 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance for teachers goes up to an average of $2,617. That’s an increase of $849, or $71 per month, just for not keeping your driving record clean!

The example below illustrates how choosing a deductible can raise or lower annual premium costs when quoting cheap insurance for teachers. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

A 50-year-old driver could pocket $290 a year by changing from a $100 deductible to a $500 deductible, or save $436 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, can cut up to $978 or more just by choosing higher deductibles. If you do raise deductibles, it will be necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Why it’s important to shop around

Las Vegas, NV insurance rates are impacted by many factors which can substantially decrease or increase the cost of coverage. Simply improving your credit, moving to a different location, or getting a ticket for careless driving may generate price changes that may make certain companies more affordable than others. Not only may things change on your end, but auto insurance companies file new rates as needed in order to be able to pay unexpected claims. Unexpectedly high claims may cause more expensive premiums, while lower claims can produce cheaper Las Vegas car insurance rates.

For example, the graph below shows the companies that have the cheapest car insurance in Las Vegas, NV for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. If we compare prices based on his current rating profile, Travelers may have the best car insurance rates in Las Vegas at $1,677 per year. This is $103 more than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the rest of the top five cheapest Las Vegas, NV auto insurance companies.

In this example, we will give the driver in the first example an accident claim, bad credit, and a few blemishes on his driving record. Since each auto insurance company uses a different method for filing rates in each state, getting updated rate quotes may result in a different list of the cheapest car insurance companies in Las Vegas as shown below.

GEICO now has the best car insurance rate in Las Vegas, NV with USAA, Safeco, Nationwide, and Allied completing the list. This example shows why Nevada drivers need to compare rates to find the most economical auto insurance quotes for teachers. Auto insurance prices are made up of many different factors and change dramatically, so the most economical option the last time you compared rates may now be quite expensive.