Finding dependable, low-priced insurance is challenging, and figuring out which company quotes the lowest-priced car insurance rates for hybrid vehicles takes additional perseverance. Each auto insurance company uses a slightly different approach to establish rates, so we’ll go over the car insurance companies that tend to be cheaper in Las Vegas.
It’s important to know that Las Vegas, NV car insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Simply turning a year older, buying a newer car, or having a fender bender can produce rate changes resulting in some companies being higher-priced than before.
Best Auto Insurance Prices for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $903 |
| 2 | Allied | $939 |
| 3 | Capital | $978 |
| 4 | Oregon Mutual | $1,182 |
| 5 | American Family | $1,230 |
| 6 | Progressive | $1,238 |
| 7 | GEICO | $1,256 |
| 8 | Nationwide | $1,282 |
| 9 | USAA | $1,284 |
| 10 | Safeco | $1,320 |
| 11 | Farmers | $1,482 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,732 |
| 15 | Mercury | $1,771 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Bristol West | $2,313 |
| 19 | Allstate | $2,337 |
| 20 | Encompass | $2,710 |
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Travelers normally has some of the lowest car insurance rates in Las Vegas at around $903 a year. This is $671 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are also some of the lowest-priced Las Vegas, NV auto insurance companies.
As shown above, if you currently have coverage with Capital and switched to Travelers, you could earn annual savings of about $75. Nevada drivers with Oregon Mutual could save as much as $279 a year, and American Family insureds might see rate reductions of $327 a year.
Be aware that those premium estimates are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for hybrid vehicles. So the car insurance company that fits your needs best may not even be in the top 20 companies in the list above. That points out the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.
The car, truck, or SUV you are insuring is one of the biggest factors that determines if you can find the best cheap car insurance for hybrid vehicles. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than safer models.
The data below outlines coverage rates for a selection of the most budget-friendly automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $2,561 |
| Ford Explorer Eddie Bauer 2WD | $2,641 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $2,839 |
| Honda CR-V EX 2WD | $2,888 |
| Toyota Corolla LE | $2,930 |
| Ford Edge Sport AWD | $2,935 |
| Chevrolet Malibu LTZ | $2,982 |
| Honda Odyssey Touring | $2,988 |
| Dodge Grand Caravan CV | $3,020 |
| Jeep Wrangler Sahara 4WD 2-Dr | $3,027 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $3,034 |
| Ford Focus SE 4-Dr Sedan | $3,128 |
| GMC Sierra Denali Crew Cab 4WD | $3,181 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $3,188 |
| Toyota Prius | $3,209 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $3,240 |
| Ford F-150 FX2 2WD | $3,250 |
| Hyundai Elantra Blue 4-Dr Sedan | $3,296 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $3,334 |
| Chevrolet Impala LS | $3,348 |
| Compare Rates Now Go | |
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates considerably.
By looking at the data, you can see that cars like the Ford Escape, Ford Explorer, Toyota Tacoma, and Honda CR-V are most likely to be a few of the cheapest vehicles to insure for hybrids.
Get discounts on Las Vegas insurance
Auto insurance companies that offer quotes for hybrid vehicles may also give you discounts that can reduce rates by 35% or more if you meet the requirements. A list of car insurance companies and a partial list of their discounts are outlined below.
- Farm Bureau offers discounts for renewal discount, safe driver, multi-vehicle, youthful driver, multi-policy, driver training, and good student.
- State Farm may offer discounts for multiple policy, defensive driving training, anti-theft, Steer Clear safe driver discount, safe vehicle, and good student.
- Progressive offers discounts including online signing, multi-policy, multi-vehicle, homeowner, and good student.
- Allstate has discounts for eSmart discount, good payer, senior citizen, premier plus, and good student.
- Nationwide may include discounts for defensive driving, accident-free, anti-theft, family plan, and business or organization.
- MetLife policyholders can earn discounts including defensive driver, claim-free, good driver, accident-free, good student, multi-policy
The information below illustrates the difference between insurance rates with and without discounts applied. The premium estimates are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, claim-free, defensive driving course, safe-driver, marriage, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for hybrid vehicles is 27% or $446.
Choosing a good quality auto insurance provider can be challenging considering how many different companies sell coverage in Las Vegas. The company rank data below could help you select which insurers you want to consider comparing rates with. The ratings below include large insurance companies, so smaller regional companies will not be included in the list.
Top 10 Major Auto Insurers in Las Vegas Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Top 10 Major Auto Insurers 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%
Compare rates to save
Las Vegas, NV car insurance rates are impacted by many things which can significantly increase or decrease the policy premium. Simply having another birthday, becoming a homeowner, or getting a reckless driving citation can trigger changes in premium that may make certain companies more affordable than competitors. In addition to those changes, auto insurance companies file new rates every year or even multiple times each year to ensure their profitability. Larger than normal claims can result in a rate increase, while profitable underwriting can result in lower-priced Las Vegas car insurance rates.
The chart below demonstrates which company has the cheapest car insurance in Las Vegas, NV for a 40-year-old female driver with a clear driving record, no claims, and a good credit history. If we estimate prices based on her personal profile, Travelers offers the best car insurance rates in Las Vegas at $1,620 each year. This is $46 more than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are the remainder of the cheapest Las Vegas, NV auto insurance companies.
In the next rate comparison, we’ll give the driver from above an at-fault accident, poor credit, and a speeding citation. Since every car insurance company uses their own formula for setting rates, comparing quotes may now show a different ranking of cheap Las Vegas auto insurance companies as shown below.
GEICO now has the best insurance rate in Las Vegas with Safeco, Nationwide, USAA, and Allied also having competitive pricing. This shows why consumers need to take the time to shop around to find the cheapest insurance quotes for hybrid vehicles.
Insurance rates are made up of many factors and can change substantially, so the cheapest rate the last time you shopped around may now be one of the more expensive options.
How to find budget-friendly insurance for hybrid vehicles
The list below details some of the better money-saving solutions that can help you find cheaper auto insurance.
- Buy a safer vehicle
- Do not get into accidents
- Home or renters coverage can save on auto insurance
- Don’t waste money on full coverage for older vehicles
- Good credit can help you save money
- Compare rate quotes often
The final tip is very significant, as was discussed in the article above. Car insurance rates can change considerably in a year, so drivers shouldn’t be reluctant to switch carriers if a more affordable rate is found. Having a favorite company is great, but it’s not a great idea if that inflexibility results in costing you major coinage every year. In just a few minutes you could compare prices to find cheaper insurance for hybrid vehicles in Las Vegas.
The insurance agencies listed below can provide answers to your questions and help you determine which is the best policy, since many consumers aren’t sure which coverage to buy and prefer to get some professional input when shopping for cheaper insurance for hybrid vehicles. It can be time-consuming to find the best policy yourself, and getting advice from a licensed Nevada insurance agent can add comfort knowing your policy gives you adequate coverage when you need it most.
To locate a Las Vegas auto insurance agent near you, click the button below the list.
Mario Giannini – State Farm Insurance Agent
9484 W Lake Mead Blvd #7 – Las Vegas, NV 89134 – (702) 982-3300
Estrella Insurance Services
3700 E Charleston Blvd #130 – Las Vegas, NV 89104 – (702) 382-1177
Universal Insurance Agency
348 N Nellis Blvd – Las Vegas, NV 89110 – (702) 838-5141