This would be a quick read if we could tell you the company that has the cheapest rates in Nevada. Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements like what level of deductibles you wish to have, where you live in Las Vegas, your credit history, and if you currently have coverage, that help determine the price you have to pay. If you keep reading, we will teach you about the different ways you can keep rates low and hopefully give you enough understanding to have a good start to your coverage search.
The type of vehicle driven is one of the main factors in finding the lowest-priced insurance for drivers with a DUI. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost much less to insure than adrenaline junky models. The information below ranks car insurance costs for the cheaper automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $3,585 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $3,848 |
| Ford F-150 STX Regular Cab 4WD | $3,926 |
| Ford Edge SEL AWD | $4,076 |
| Chevrolet Malibu LS | $4,154 |
| Jeep Grand Cherokee Laredo 4WD | $4,159 |
| Ford Escape Limited 2WD | $4,165 |
| Honda Accord EX-L 4-Dr Sedan | $4,207 |
| Toyota Prius | $4,293 |
| Honda Civic LX-S 4-Dr Sedan | $4,300 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,378 |
| Toyota Corolla S | $4,384 |
| Hyundai Sonata GLS 4-Dr Sedan | $4,453 |
| Nissan Altima Hybrid 4-Dr Sedan | $4,460 |
| Ford Fusion Sport 4-Dr Sedan | $4,469 |
| Volkswagen Jetta S 4-Dr Sedan | $4,588 |
| Toyota Tacoma Double Cab 4WD | $4,673 |
| Chevrolet Impala LS | $4,723 |
| Ford Focus SES 4-Dr Sedan | $4,751 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $4,758 |
| Chevrolet Silverado LTZ Crew Cab 2WD | $4,768 |
| Dodge Grand Caravan Hero | $4,819 |
| Toyota RAV4 4WD | $4,827 |
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Premium data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in specific Las Vegas, NV garaging location which can change prices noticeably.
Based upon these rates, models like the Honda CR-V, Jeep Wrangler, and Ford F-150 are going to be the most affordable vehicles to insure after getting a DUI. The price for car insurance will tend to be more expensive anyway because there is more claim risk for drivers with a DUI, but overall those specific models will tend to have the lowest insurance rates that you are likely to find.
Finding decent, budget auto insurance is hard enough, and finding out which company quotes the lowest-priced car insurance rates for drivers with a DUI takes even more work.
Each auto insurer uses different criteria to set their prices, so we’ll go over the car insurance companies that tend to have lower prices in Nevada. Keep in mind that Las Vegas, NV car insurance rates are determined by lots of factors that will increase or decrease the price you have to pay. Simply improving your credit, buying a different vehicle, or having an accident may cause policy rate changes that can cause some rates to be more expensive than others.
Compare Cheap Insurance Quotes after a DUI
Travelers has some of the best car insurance rates in Las Vegas at around $939 annually. This is $635 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also are some of the cheapest Las Vegas, NV insurance companies.
As shown in the table above, if you currently buy coverage from Allied and switched to Travelers, you could earn yearly savings of in the neighborhood of $10. Drivers with Capital could save as much as $79 a year, and Oregon Mutual insureds might reduce rates by $243 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or quote prices from the following companies.
Be aware that those premiums are averaged across all types of insureds and vehicles and do not factor in a vehicle location for drivers with a DUI. So the insurer that can offer you the lowest price may not even be in the top 20 companies in the list above. That is why you need to compare rates from multiple companies using your own individual information.
Las Vegas car insurance companies ranked
Selecting a high-quality insurance provider can be a challenge considering how many different insurance companies sell coverage in Nevada. The information in the next section can help you choose which car insurance providers to look at shopping your coverage with. The ratings below are for the largest companies in America, so companies that have a smaller presence will not be included in this list.
Top 10 Major Car Insurance Companies 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 Car Insurance Companies in Las Vegas Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
- Safeco
The chart below illustrates how choosing a deductible can change insurance costs when trying to find cheap insurance for drivers with a DUI. The premiums assume a single male driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 40-year-old driver could pocket $254 a year by changing from a $100 deductible to a $500 deductible, or save $382 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could potentially save $830 annually by selecting a higher deductible. When raising deductibles, it’s a good idea to have additional funds in a savings account to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Discounts on Las Vegas insurance rates
Insurance providers that provide coverage for drivers with a DUI may have rate discounts that could potentially reduce rates by as much as 25% or more if you meet eligibility requirements. Large car insurance companies and some of the premium reductions they offer are:
- State Farm discounts include safe vehicle, student away at school, good driver, passive restraint, accident-free, driver’s education, and good student.
- Farmers Insurance offers premium reductions for youthful driver, electronic funds transfer, homeowner, mature driver, good student, and alternative fuel.
- Progressive offers discounts for homeowner, multi-vehicle, continuous coverage, good student, multi-policy, online quote discount, and online signing.
- GEICO may have discounts that include air bags, anti-theft, seat belt use, driver training, defensive driver, and multi-policy.
- Auto-Owners Insurance may offer discounts for safe driver, safe vehicle, anti-theft, anti-lock brakes, and mature driver.
- The Hartford may include discounts for driver training, anti-theft, vehicle fuel type, bundle, and defensive driver.
- Farm Bureau offers discounts including good student, 55 and retired, renewal discount, driver training, multi-policy, multi-vehicle, and youthful driver.
- USAA policyholders can earn discounts including new vehicle, driver training, defensive driver, family discount, loyalty savings, multi-vehicle, and annual mileage.
The information below shows the comparison of annual premium costs with and without discounts applied to the rates. The premiums are based on a male driver, no accidents and one citation, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, multiple policy, passive restraint, paid-in-full, multiple vehicle, and marriage discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for drivers with a DUI is 28% or $407.
Your low-price policy may be costing you money
Nevada car insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Simply having another birthday, buying a different home, or getting a speeding ticket can cause premium changes resulting in some companies being more affordable than others. Not only may your situation change, but insurance companies file new Nevada car insurance rates every year or even multiple times each year to adjust for unexpected claims or profits. Heavy losses can cause more expensive premiums, while long-term profits can produce lower-cost Las Vegas car insurance rates.
To illustrate this point, the data below shows the company with the cheapest car insurance in Las Vegas, NV for a 30-year-old male driver with a clear driving record, no claims, and a good credit history. When comparing rates based on his current risk profile, Allied might quote the most affordable car insurance rates in Las Vegas at $1,621 annually. This is $47 more than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family are the remaining top five cheapest Las Vegas, NV auto insurance companies.
The chart below compares rates after we give the driver in the first example an at-fault accident, slightly worse credit, and a stop sign violation. Because each insurer has their own guidelines to establish rates, analyzing rate quotes most likely will result in a different list of cheap Las Vegas auto insurance companies as shown below.
GEICO now has the cheapest price in Las Vegas with Travelers, Nationwide, USAA, and Safeco now being in the top five. This example illustrates why it is critical to shop around with many companies when trying to get cheap car insurance rates for drivers with a DUI.
Auto insurance prices can be determined by many risk factors and can increase or decrease at any time, so the cheapest company the last time you shopped your coverage around may now cost much more than other companies.