The words “bargain” and “insurance” really don’t belong together, in particular when looking for the cheapest car insurance for state employees. To save some money, let’s open your eyes to some of the factors that impact auto insurance prices, and figure out some ways to lower the cost of your next policy.
The make and model of vehicle on the policy is probably the largest consideration when comparing quotes for cheap coverage for state employees. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The data below illustrates auto insurance costs for some of the most economical vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $2,185 |
| Hyundai Elantra GLS Touring Station Wagon | $2,328 |
| Toyota Prius | $2,367 |
| Honda Accord LX-P 4-Dr Sedan | $2,392 |
| Honda CR-V LX 2WD | $2,399 |
| Ford Focus S 4-Dr Sedan | $2,478 |
| Ford Edge Limited 2WD | $2,488 |
| Toyota RAV4 Limited 4WD | $2,528 |
| Jeep Grand Cherokee Laredo 4WD | $2,537 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,578 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,614 |
| Toyota Corolla LE | $2,660 |
| Chevrolet Impala LTZ | $2,668 |
| Ford Explorer Eddie Bauer 2WD | $2,671 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $2,710 |
| Ford Fusion SE 4-Dr Sedan | $2,717 |
| Nissan Rogue S 2WD | $2,710 |
| Compare Rates Now Go | |
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can affect auto insurance rates significantly.
Based upon the rates shown, vehicles like the Ford Escape, Hyundai Elantra, Toyota Prius, and Honda Accord are a few of the less-costly vehicles to insure for state workers.
One of the many considerations that are looked at to determine car insurance rates is where you keep your car. Areas with a lot of weather claims or more people tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The table below shows the most costly cities in Nevada for state employees in which to purchase auto insurance. Las Vegas makes the list at #6 with an annual cost of $1,892 for the average insured, which is about $158 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,180 |
| 2 | Sunrise Manor | $2,069 |
| 3 | Paradise | $2,041 |
| 4 | Spring Valley | $2,000 |
| 5 | North Las Vegas | $1,900 |
| 6 | Las Vegas | $1,892 |
| 7 | Enterprise | $1,851 |
| 8 | Henderson | $1,715 |
| 9 | Boulder City | $1,495 |
| 10 | Mesquite | $1,365 |
| 11 | Pahrump | $1,337 |
| 12 | Sparks | $1,278 |
| 13 | Sun Valley | $1,266 |
| 14 | Reno | $1,256 |
| 15 | Spanish Springs | $1,253 |
| 16 | Carson City | $1,158 |
| 17 | Gardnerville Ranchos | $1,150 |
| 18 | Fernley | $1,149 |
| 19 | Dayton | $1,141 |
| 20 | Elko | $1,125 |
| Compare Rates Now Go | ||
Annual rates are estimated as the garaging address in Las Vegas can change premium rates noticeably.
Full coverage versus liability-only in Las Vegas
Saving money when shopping for car insurance is important to most drivers, and one good way to buy cheap insurance for state employees is to buy liability only. The example below shows the difference between car insurance costs with full coverage compared to only the Nevada minimum liability coverage. The data is based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are factored in.
As an average, comp and collision coverage costs an extra $1,791 per year more than just buying liability only. At some point, about every driver wonders if buying full coverage is worth the money. There is no specific rule to drop full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
Finding a high-quality car insurance provider can be difficult considering how many choices drivers have in Nevada. The information in the lists below could help you choose which coverage providers to look at when comparing insurance rates for state employees. These rankings include companies with a national presence, so smaller companies are not taken into consideration for the list.
Top 10 Large Auto 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 Large Auto Insurance Companies Overall in Las Vegas
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
The example below shows how choosing a deductible can impact annual premium costs when researching cheap insurance for state employees. The data is based on a single male driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 30-year-old driver could pocket $398 a year by increasing from a $100 deductible to a $500 deductible, or save $598 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could drop their prices $1,168 each year by choosing larger deductibles on their policy.
When using a larger deductible, it will be important to have additional savings on hand to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to find the cheapest auto insurance for state employees
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving ideas that can help you get more affordable auto insurance.
- Accident-free drivers may qualify for discounts
- Buy your auto and home insurance from the same company and save
- Safe vehicles cost less to insure
- Earn a discount by not filing claims
- Keep your driving record clean
- Shop around for cheaper prices often
The final tip is very critical, as we discussed in this write-up. Car insurance prices vary considerably, so don’t be hesitant to buy from a new company if a lower price can be found. Many drivers prefer to stick with one company, but it’s not recommended if that loyalty ends up costing hundreds of dollars a year. Now is a great time to compare rates to find cheaper insurance for state employees in Las Vegas.