The vehicle you are insuring is probably the biggest factor when comparing the cheapest insurance for infrequent drivers. Vehicles with lower acceleration and performance, good safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.
The next list estimates car insurance costs for a number of the most cost-effective automobiles to insure in Nevada.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $2,443 |
| Ford Escape XLS 2WD | $2,668 |
| Honda CR-V EX-L 2WD | $2,741 |
| Ford Edge SEL AWD | $2,744 |
| Toyota Prius | $2,880 |
| Hyundai Elantra GLS 4-Dr Sedan | $2,949 |
| Honda Odyssey EX-L W/Rear Entertainment | $2,958 |
| Toyota Corolla S | $2,949 |
| Nissan Rogue SL 2WD | $3,001 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $3,006 |
| Ford Explorer XLT AWD | $3,008 |
| Dodge Grand Caravan Hero | $3,063 |
| Chevrolet Impala LT | $3,073 |
| Chevrolet Malibu Hybrid | $3,063 |
| GMC Sierra SL Extended Cab 2WD | $3,072 |
| Ford F-150 STX Super Cab 4WD | $3,077 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $3,126 |
| Toyota RAV4 Sport 4WD | $3,153 |
| Ford Focus SEL 4-Dr Sedan | $3,171 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $3,205 |
| Honda Accord EX-L 2-Dr Coupe | $3,213 |
| Honda Civic LX-S 4-Dr Sedan | $3,226 |
| Chevrolet Silverado LS Crew Cab 4WD | $3,292 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific location information which can influence premiums significantly.
Looking at the numbers, we can presume that makes and models like the Jeep Wrangler, Ford Escape, Honda CR-V, Ford Edge, and Toyota Prius are likely to be a few of the cheaper vehicles to insure for low mileage drivers.
Trying to find budget auto insurance is not always easy, and finding out which insurers offer the cheapest car insurance rates for infrequent drivers will involve even more diligence.
Each auto insurer has a different formula to determine rates, so we’ll go over the overall cheapest car insurance companies in Las Vegas, NV. It’s a good idea to be aware that Las Vegas car insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Price variation is why it is critical to compare as many rates as possible to find affordable insurance rates for infrequent drivers. Auto insurance prices are influenced by many different factors and change frequently, so the best company a year ago may now be costing you a lot of money.
Best Insurance Companies in Nevada
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $912 |
| 2 | Allied | $921 |
| 3 | Capital | $1,008 |
| 4 | American Family | $1,182 |
| 5 | Oregon Mutual | $1,182 |
| 6 | Progressive | $1,202 |
| 7 | GEICO | $1,232 |
| 8 | Nationwide | $1,282 |
| 9 | Safeco | $1,306 |
| 10 | USAA | $1,323 |
| 11 | Farmers | $1,438 |
| 12 | Country | $1,602 |
| 13 | MetLife | $1,615 |
| 14 | State Farm | $1,732 |
| 15 | Mercury | $1,753 |
| 16 | Victoria | $2,093 |
| 17 | Liberty Mutual | $2,227 |
| 18 | Allstate | $2,314 |
| 19 | Bristol West | $2,336 |
| 20 | Encompass | $2,604 |
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Travelers offers some of the best car insurance rates in Las Vegas at around $912 annually. Allied, Capital, American Family, and Oregon Mutual also qualify as some of the more affordable Las Vegas, NV auto insurance companies.
As shown in the rates above, if you are insured with Allied and switched to Travelers, you might realize an annual premium reduction of in the vicinity of $9. Customers with Capital may save as much as $96 a year, and American Family policyholders might lower prices by up to $270 a year.
To see how much you can save, click here to get quotes or visit any of the companies below.
Bear in mind that those policy prices are averages across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for infrequent drivers. So the company that is most affordable for your situation may not even be in the top 20 companies in the list above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.
One of the many considerations that are used to help calculate auto insurance rates is where you normally keep your vehicle in Las Vegas. Larger areas will most likely pay more, whereas more rural areas benefit from lower prices.
The illustration below sorts the highest-priced places in Nevada for infrequent drivers to buy an auto insurance policy in. Las Vegas is ranked #5 with an annual cost of $1,892 for the average insured, which is approximately $158 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Winchester | $2,158 |
| 2 | Spring Valley | $2,040 |
| 3 | Sunrise Manor | $2,029 |
| 4 | Paradise | $2,001 |
| 5 | Las Vegas | $1,892 |
| 6 | Enterprise | $1,851 |
| 7 | North Las Vegas | $1,826 |
| 8 | Henderson | $1,767 |
| 9 | Boulder City | $1,511 |
| 10 | Pahrump | $1,323 |
| 11 | Sparks | $1,317 |
| 12 | Mesquite | $1,311 |
| 13 | Sun Valley | $1,253 |
| 14 | Reno | $1,244 |
| 15 | Spanish Springs | $1,216 |
| 16 | Carson City | $1,158 |
| 17 | Gardnerville Ranchos | $1,150 |
| 18 | Dayton | $1,141 |
| 19 | Spring Creek | $1,125 |
| 20 | Fernley | $1,103 |
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Premium costs are approximated as the specific garaging location can revise auto insurance rates significantly.
The information below shows how choosing a deductible can affect insurance costs when quoting cheap insurance for infrequent drivers. The costs are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could pocket $244 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $370 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could save $620 each year just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough in a savings account to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Types of discounts on Las Vegas insurance
Insurance companies that offer coverage for infrequent drivers may provide special discounts that could potentially reduce rates by 30% or more if you meet eligibility requirements. The best car insurance companies and their offered discounts are outlined below.
- Progressive has discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, good student, online signing, and online quote discount.
- Farmers Insurance has savings for pay in full, teen driver, youthful driver, electronic funds transfer, and switch companies.
- Farm Bureau offers discounts for renewal discount, multi-policy, youthful driver, good student, safe driver, and multi-vehicle.
- State Farm may include discounts for multiple policy, defensive driving training, multiple autos, accident-free, good driver, and driver’s education.
- GEICO includes discounts for defensive driver, seat belt use, federal employee, multi-vehicle, and good student.
- SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, anti-theft, homeowner, safe driver, and bundle discounts.
- Liberty Mutual offers discounts including new vehicle discount, preferred payment discount, teen driver discount, good student, multi-policy, new graduate, and newly retired.
The chart below compares auto insurance rates with and without discounts applied. Data assumes a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, claim-free, vehicle safety, marriage, accident-free, and anti-theft discounts applied. When discounts are applied, the average savings per year on car insurance for infrequent drivers is 28% or $571.
Ideas to find more affordable auto insurance for infrequent drivers
Below you’ll find some of the better penny-pinching solutions that can help drivers locate cheap car insurance.
- Avoid at-fault accidents and claims
- Pay less by remaining claim-free
- Avoid speeding and other traffic citations and pay less
- Do not pay for full coverage on older vehicles
- Raise comprehensive and collision coverage deductibles
- Compare rates often to find the best deal
The last tip in the list is highly necessary, as was stressed in the prior article. Car insurance rates fluctuate considerably, so drivers shouldn’t be resistant to buy a policy from a new company if you find a better deal. Having a favorite company is great, but it isn’t a good idea if it’s costing you hundreds of dollars a year. Take a few minutes and compare prices to find cheaper car insurance for infrequent drivers in Las Vegas.