It’s hard to avoid all the ads from auto insurance companies like Allstate, The General, and GEICO promising big savings, so drivers should just choose the one with the flashiest ad, right?
Unfortunately, it’s just not that easy, as there are many unknown elements like if you are a good driver, if you have ever had a gap in coverage, whether you are a man or a woman, and the safety features built into your vehicle. If you keep reading, we will teach you about some of these criteria and will hopefully give you a solid foundation to find cheaper car insurance in Las Vegas.
The vehicle that is being insured is a large consideration when trying to find the lowest-priced insurance for postal workers. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost significantly less to insure than higher performance models.
The table below illustrates car insurance rates for a selection of the most affordable vehicles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $2,499 |
| Toyota Prius | $2,768 |
| Toyota RAV4 Limited 2WD | $2,959 |
| Honda CR-V LX 4WD | $3,066 |
| Honda Accord EX-L 4-Dr Sedan | $3,110 |
| Volkswagen Jetta S 2.5 Station Wagon | $3,119 |
| Hyundai Elantra SE Touring Station Wagon | $3,110 |
| Toyota Corolla LE | $3,113 |
| Honda Odyssey LX | $3,153 |
| GMC Sierra SLT Extended Cab 4WD | $3,171 |
| Toyota Tacoma 4WD | $3,214 |
| Dodge Ram 3500 Crew Cab ST 2WD | $3,285 |
| Hyundai Sonata SE 4-Dr Sedan | $3,332 |
| Toyota Camry Hybrid | $3,390 |
| Chevrolet Equinox LT 2WD | $3,393 |
| Jeep Grand Cherokee Laredo 2WD | $3,400 |
| Ford F-150 XL Regular Cab 4WD | $3,436 |
| Chevrolet Malibu LT | $3,458 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $3,544 |
| Chevrolet Impala LS | $3,558 |
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Data rating is based on 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, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in zip code location which can alter insurance rates noticeably.
Looking at the data, you can presume that makes and models like the Ford Escape, Toyota Prius, Toyota RAV4, and Honda CR-V are likely to be a few of the cheapest vehicles to insure for postal employees.
Locating low-priced auto insurance is not the easiest thing to do, and finding out which companies have the cheapest auto insurance rates for postal workers may require even more shopping around. Each auto insurer has a different process for filing rates in each state, so we need to take a look at the lowest cost auto insurance companies in Las Vegas, NV.
It’s important that you understand Nevada auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. This price variability is why it is critical to compare rates to find the most economical car insurance rates for postal workers. Rates are determined by many factors and change frequently, so the lowest-price company three years ago may now be priced much higher than other options.
Lowest Insurance Price Quotes for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $912 |
| 2 | Allied | $949 |
| 3 | Capital | $978 |
| 4 | Oregon Mutual | $1,147 |
| 5 | GEICO | $1,219 |
| 6 | Progressive | $1,226 |
| 7 | American Family | $1,230 |
| 8 | Nationwide | $1,321 |
| 9 | USAA | $1,336 |
| 10 | Safeco | $1,360 |
| 11 | Farmers | $1,482 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,681 |
| 15 | Mercury | $1,807 |
| 16 | Victoria | $2,011 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Bristol West | $2,384 |
| 19 | Allstate | $2,385 |
| 20 | Encompass | $2,604 |
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Travelers has some of the best car insurance rates in Las Vegas at around $912 each year. This is $662 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and GEICO would also be considered some of the lowest-priced Las Vegas, NV auto insurance companies.
In the above rates, if you buy coverage from GEICO and switched to Allied, you could realize an annual premium reduction of roughly $270. Customers with Progressive might save as much as $277 a year, and American Family insureds might cut rates by $281 a year.
If you would like to find cheaper car insurance rates, click here to get a free quote or visit any of the low-priced companies below.
It’s important to note that these premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific location for postal workers. So the car insurance company that can offer the best rates for your situation may not even be in the top 20 companies shown above. That points out the importance of why you need to get quotes using your own individual information.
For postal employees, one of the big things that are used to help calculate the cost of insurance is where you keep your car. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas more rural areas tend to receive cheaper rates.
The illustration below ranks the priciest cities in Nevada for postal workers to buy auto insurance in. Las Vegas shows up at #6 with an annual premium of $1,873 for the average insured, which is about $156 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Winchester | $2,094 |
| 2 | Sunrise Manor | $2,008 |
| 3 | Spring Valley | $2,000 |
| 4 | Paradise | $1,981 |
| 5 | Enterprise | $1,908 |
| 6 | Las Vegas | $1,873 |
| 7 | North Las Vegas | $1,844 |
| 8 | Henderson | $1,715 |
| 9 | Boulder City | $1,541 |
| 10 | Mesquite | $1,351 |
| 11 | Pahrump | $1,323 |
| 12 | Sparks | $1,304 |
| 13 | Sun Valley | $1,292 |
| 14 | Spanish Springs | $1,266 |
| 15 | Reno | $1,256 |
| 16 | Gardnerville Ranchos | $1,138 |
| 17 | Carson City | $1,136 |
| 18 | Dayton | $1,130 |
| 19 | Fernley | $1,103 |
| 20 | Fallon | $1,097 |
| Compare Rates Now Go | ||
Table data uses estimated as specific Las Vegas garaging address can raise or lower auto insurance rates greatly.
How to find a good Nevada auto insurance company
Selecting the right auto insurance company is hard considering how many different companies there are to choose from in Las Vegas. The ranking information below can help you analyze which providers to look at when comparing auto insurance rates for postal workers. The ratings below only include the largest companies in the United States, so smaller regional companies will not be included in these rankings.
Top 10 Major Auto Insurance Providers in Las Vegas Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Major Auto Insurance Providers in Las Vegas Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
Liability-only versus full coverage
Finding cheaper auto insurance is probably important to the majority of people, and one of the fastest ways to pay lower rates for insurance for postal workers is to buy only liability coverage. The chart below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The rate quotes are based on no violations or claims, $100 deductibles, marital status is single, and no discounts are taken into consideration.
As an overall average, physical damage coverage costs $2,368 per year more than buying just liability insurance. Many drivers may wonder when is it a good idea to stop buying full coverage. There is no clear-cut rule to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s replacement value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $9,000 after the deductible is paid. If you are paying in excess of $900 a year to have full coverage, then you may need to consider dropping full coverage.
Get discount Las Vegas car insurance rates
Insurance providers that sell policies for postal workers could also offer rate discounts that can reduce rates by as much as 25% or more if you qualify for them. A few popular companies and some of their more popular discounts are included below.
- Progressive may have discounts that include online signing, homeowner, good student, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
- SAFECO offers premium reductions for teen safe driver, teen safety rewards, bundle discounts, anti-theft, and multi-car.
- American Family offers discounts including air bags, defensive driver, TimeAway discount, Steer into Savings, and bundled insurance.
- MetLife policyholders can earn discounts including accident-free, good student, multi-policy, defensive driver, good driver, and claim-free.
- GEICO includes discounts for emergency military deployment, air bags, driver training, membership and employees, military active duty, anti-theft, and seat belt use.
- The Hartford may include discounts for good student, air bag, defensive driver, anti-theft, vehicle fuel type, driver training, and bundle.
The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, multiple policy, defensive driving course, safe-driver, passive restraint, and homeowner discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for postal workers is 28% or $515.