Wouldn’t life be so easy if you could just know the best company that has the best rates for 19 year olds? It’s not quite that easy, unfortunately, as there are a whole bunch of unknown elements such as how well you maintain your credit, how many years you have been driving, the vehicle you are insuring, and whether or not you own a home. We are going to cover the types of situations that result in high rates and will give you some help in finding cheaper rates.
For teenage drivers, one of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where you choose to live in Las Vegas. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas less populated areas have the benefit of cheaper car insurance.
The next table sorts the most expensive areas in Nevada for 19 year olds in which to buy car insurance. Las Vegas ranks #6 with an annual cost of $1,873 for the average policy, which is about $156 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,180 |
| 2 | Sunrise Manor | $2,069 |
| 3 | Paradise | $2,061 |
| 4 | Spring Valley | $2,000 |
| 5 | North Las Vegas | $1,882 |
| 6 | Las Vegas | $1,873 |
| 7 | Enterprise | $1,870 |
| 8 | Henderson | $1,749 |
| 9 | Boulder City | $1,495 |
| 10 | Mesquite | $1,351 |
| 11 | Pahrump | $1,323 |
| 12 | Sun Valley | $1,305 |
| 13 | Sparks | $1,278 |
| 14 | Spanish Springs | $1,266 |
| 15 | Reno | $1,256 |
| 16 | Fernley | $1,149 |
| 17 | Gardnerville Ranchos | $1,138 |
| 18 | Carson City | $1,124 |
| 19 | Spring Creek | $1,114 |
| 20 | Elko | $1,114 |
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Premium costs are estimated as vehicle location can impact coverage rates significantly.
Trying to find cheap auto insurance is not most people’s favorite thing to do, and figuring out which companies quote the most affordable auto insurance rates for 19 year olds will involve more quotes for comparison.
Every car insurance company uses a different method to set policy rates, so we need to take a look at the most affordable auto insurance companies in Las Vegas, NV. Keep in mind that Nevada auto insurance rates are impacted by many factors which can significantly increase or decrease the cost of having a policy. That is why Las Vegas drivers need to take the time to shop around when trying to get the most affordable auto insurance rates for 19 year olds. Car insurance prices can be altered by many things and change frequently, so the most affordable company the last time you compared rates may now be quite expensive.
Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Allied | $921 |
| 2 | Travelers | $930 |
| 3 | Capital | $978 |
| 4 | Oregon Mutual | $1,147 |
| 5 | Progressive | $1,202 |
| 6 | GEICO | $1,219 |
| 7 | American Family | $1,230 |
| 8 | Nationwide | $1,282 |
| 9 | Safeco | $1,306 |
| 10 | USAA | $1,336 |
| 11 | Farmers | $1,438 |
| 12 | MetLife | $1,567 |
| 13 | Country | $1,651 |
| 14 | State Farm | $1,749 |
| 15 | Mercury | $1,753 |
| 16 | Victoria | $2,093 |
| 17 | Liberty Mutual | $2,249 |
| 18 | Allstate | $2,314 |
| 19 | Bristol West | $2,336 |
| 20 | Encompass | $2,684 |
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Allied has some of the cheapest car insurance rates in Las Vegas at around $921 a year. Travelers, Capital, Oregon Mutual, and Progressive would also be considered some of the lowest-priced Las Vegas, NV auto insurance companies.
In the rate table above, if you currently have a policy with Progressive and switched to Travelers, you might realize annual savings of in the neighborhood of $272. Drivers with GEICO could save as much as $289 a year, and American Family policyholders might cut rates by $300 a year.
Bear in mind that those policy rates are averaged for all ages of drivers and types of vehicles and are not factoring in an exact location for 19 year olds. So the company that fits your needs best may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
The example below highlights how deductible choice can affect insurance costs when getting quotes for cheap insurance for 19 year olds. The costs are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $286 a year by switching from a $100 deductible to a $500 deductible, or save $430 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, can save $830 or more just by using higher deductibles.
If you make the decision to raise deductibles, it is necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Drive safe and save
The easiest method to earn the best auto insurance rates in Las Vegas for teenage drivers is to pay attention while driving and avoid getting tickets or having accidents. The example below demonstrates how citations and at-fault collisions drive up premium costs for different age groups of insureds. The premiums are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of an auto insurance policy in Las Vegas per year with no violations or accidents is $1,240. Factor in two speeding tickets and the average cost rises to $1,708, an increase of $467 each year. Now include two accidents along with the two speeding tickets and the annual cost of auto insurance for 19 year olds goes up to an average of $3,525. That’s an increase of $2,285, or $190 per month, just for not driving carefully!
Get discount Las Vegas insurance
Insurance providers that provide coverage for 19 year olds may provide rate discounts that could lower prices by as much as 40% or more if you meet the requirements. Popular auto insurance companies and a partial list of their discounts are included below.
- Farm Bureau has savings for 55 and retired, renewal discount, multi-vehicle, good student, multi-policy, safe driver, and driver training.
- MetLife may include discounts for good student, multi-policy, defensive driver, claim-free, good driver, and accident-free.
- Progressive may offer discounts for multi-vehicle, online signing, continuous coverage, good student, and homeowner.
- AAA may have discounts that include education and occupation, multi-policy, multi-car, AAA membership discount, good driver, and good student.
- American Family policyholders can earn discounts including bundled insurance, Steer into Savings, accident-free, good driver, defensive driver, and multi-vehicle.
- GEICO offers premium reductions for federal employee, defensive driver, seat belt use, driver training, multi-vehicle, anti-theft, and five-year accident-free.
- State Farm has discounts for Drive Safe & Save, accident-free, multiple policy, passive restraint, and Steer Clear safe driver discount.
The example below shows the comparison of auto insurance rates with and without policy discounts. Data assumes a male driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple policy, marriage, safe-driver, accident-free, and defensive driving course discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for 19 year olds is 28% or $586.