The vehicle that needs insurance is probably the biggest factor when trying to find the lowest-priced auto insurance for active military. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost much more to insure than more modest models. The next list showcases coverage premiums for a number of the cheapest automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$2,317|
|Honda CR-V EX 2WD||$2,392|
|Hyundai Elantra GLS Touring Station Wagon||$2,398|
|Ford Escape XLT 2WD||$2,392|
|Ford F-150 XL Super Cab 4WD||$2,395|
|Volkswagen Jetta 2.0T Station Wagon||$2,499|
|Chevrolet Impala LT||$2,527|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,552|
|Dodge Ram Quad Cab ST 2WD||$2,577|
|Honda Odyssey EX-L W/Navigation||$2,659|
|Dodge Grand Caravan SE||$2,670|
|Ford Focus S 4-Dr Sedan||$2,695|
|Ford Edge SE AWD||$2,703|
|Chevrolet Silverado LT Extended Cab 4WD||$2,756|
|Chevrolet Malibu Hybrid||$2,824|
|Chevrolet Equinox LS AWD||$2,831|
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can alter coverage rates considerably.
By looking at the data, you can conclude that cars like the Honda Accord, Toyota Prius, Honda CR-V, Hyundai Elantra, and Ford Escape should be the most affordable vehicles to insure for military personnel.
Deciding which company has the best car insurance rates for active military will take a bit more effort in order to find the lowest price quote. Each auto insurance company uses their own method for setting rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Nevada.
Compare Cheap Insurance Quotes for Military
|Rank||Company||Cost Per Year|
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Allied may offer some of the best car insurance rates in Las Vegas at around $911 a year. This is $663 less than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive would also make the list of some of the cheapest Las Vegas, NV auto insurance companies.
As the rates illustrate above, if you are a customer of Oregon Mutual and switched to Allied, you may see a yearly savings of upwards of $271. Customers with Progressive may save as much as $279 a year, and American Family policyholders might lower prices by $307 a year.
To get a fast rate comparison, click here to start a quote or quote rates from the companies below.
These premiums are averaged across all insureds and vehicles and and are not calculated with an exact zip code location for active military. So the company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
One of the many components that are looked at to help calculate car insurance rates is your address. Cities with larger populations are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The illustration below shows the most expensive cities in Nevada for active military to buy auto insurance in. Las Vegas is ranked #5 with the annual price of $1,949 for the average insured, which is approximately $162 per month.
|7||North Las Vegas||$1,826|
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Price information shown is comparative as the specific garaging location can decrease or increase rates substantially.
The example below demonstrates how deductible levels can influence insurance rates when searching for cheap insurance for active military. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $342 a year by changing from a $100 deductible up to a $500 deductible, or save $516 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save $868 every year by choosing a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is essential to have plenty of money set aside to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Impact of speeding/accidents on car insurance rates
The ideal way to obtain affordable car insurance premiums for military personnel is to drive attentively and avoid accidents and traffic violations. The illustration below highlights how speeding tickets and at-fault accidents can influence auto insurance costs for each different age group. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
In the example above, the average cost of auto insurance per year with a clean driving record and no accidents is $2,091. Factor in one speeding ticket and the average cost increases to $2,369, an increase of $278 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for active military goes up to an average of $3,155. That’s an increase of $1,063, or $89 per month, just for not driving safely!
What is the best car insurance company in Las Vegas?
Picking the top insurance company can be rather challenging considering how many companies there are in Las Vegas. The company information in the lists below can help you pick which providers to look at when comparing rates. These ratings are only made up of large, nationwide insurance companies, so companies that only write business in Nevada or surrounding areas are not factored into these rankings.
Top 10 Large Car Insurance Companies in Las Vegas Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
If you would rather have some professional guidance when shopping for the best coverage for active military, the agents listed below can probably help you determine which coverage fits your budget.
To find an auto insurance agency near you, click the button below the list.
Estrella Auto Insurance
2349 E Bonanza Rd – Las Vegas, NV 89101 – (702) 671-4081
Insurance Specialists – Auto and Home Agency
5025 S Eastern Ave #20 – Las Vegas, NV 89119 – (702) 307-3398
Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400
State Farm Insurance: Nancy Kim
2213 Paradise Rd – Las Vegas, NV 89104 – (702) 685-4888