For bad drivers, one of the big criteria that determine the cost of insurance is where you live in Las Vegas. Larger areas tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The table below ranks the priciest cities in Nevada for drivers with a bad driving record in which to buy car insurance. Las Vegas is ranked #5 having an annual price of $1,873 for the average policy, which is approximately $156 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,180 |
| 2 | Spring Valley | $2,040 |
| 3 | Sunrise Manor | $2,029 |
| 4 | Paradise | $1,981 |
| 5 | Las Vegas | $1,873 |
| 6 | Enterprise | $1,870 |
| 7 | North Las Vegas | $1,826 |
| 8 | Henderson | $1,697 |
| 9 | Boulder City | $1,495 |
| 10 | Pahrump | $1,377 |
| 11 | Mesquite | $1,325 |
| 12 | Sparks | $1,317 |
| 13 | Reno | $1,282 |
| 14 | Sun Valley | $1,266 |
| 15 | Spanish Springs | $1,229 |
| 16 | Gardnerville Ranchos | $1,150 |
| 17 | Fernley | $1,149 |
| 18 | Carson City | $1,136 |
| 19 | Elko | $1,114 |
| 20 | Fallon | $1,108 |
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Prices are comparative as the specific geographic location can alter premiums greatly.
Comparing quotes for low-priced insurance is not the easiest thing to accomplish, and determining which companies quote the best auto insurance rates for drivers with a bad driving record takes even more rate comparisons.
Every insurance company has their own guidelines for setting rates, so we’ll go over the most budget-friendly auto insurance companies in Nevada.
Find the Cheapest Car Insurance for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $930 |
| 2 | Allied | $939 |
| 3 | Capital | $988 |
| 4 | Oregon Mutual | $1,193 |
| 5 | American Family | $1,194 |
| 6 | Progressive | $1,202 |
| 7 | GEICO | $1,256 |
| 8 | Nationwide | $1,295 |
| 9 | USAA | $1,297 |
| 10 | Safeco | $1,346 |
| 11 | Farmers | $1,496 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,749 |
| 15 | Mercury | $1,807 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,161 |
| 18 | Allstate | $2,385 |
| 19 | Bristol West | $2,407 |
| 20 | Encompass | $2,684 |
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Travelers generally has some of the best car insurance rates in Las Vegas at around $930 each year. This is $644 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are also some of the more affordable Las Vegas, NV insurance companies.
In the rate table above, if you are currently insured with Oregon Mutual and switched to Travelers, you might achieve savings of in the vicinity of $263. Nevada drivers with American Family may save as much as $264 a year, and Progressive customers might cut rates by $272 a year.
Be aware that those rates are averages across all drivers and vehicles and do not take into consideration an exact location for drivers with a bad driving record. So the auto insurance company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
The vehicle you are insuring is one of the biggest factors when comparing quotes for the most economical car insurance for drivers with a bad driving record. Vehicles with lots of speed or power, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer models.
The data below outlines car insurance prices for the most budget-friendly automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $8,102 |
| Honda CR-V EX-L 4WD | $8,482 |
| Toyota Prius | $8,959 |
| Toyota Tacoma 4WD | $9,161 |
| Honda Odyssey LX | $9,304 |
| Volkswagen Jetta 2.0T Station Wagon | $9,402 |
| Ford F-150 XL Super Cab 4WD | $9,464 |
| Ford Edge Limited 2WD | $9,503 |
| Ford Fusion S 4-Dr Sedan | $9,593 |
| Chevrolet Impala LT | $9,603 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $9,684 |
| Nissan Altima 2.5 4-Dr Sedan | $9,844 |
| Toyota RAV4 Sport 4WD | $9,849 |
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Prices above based on married male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can alter rates noticeably.
Looking at the data, you can see that makes and models like the Ford Escape, Honda CR-V, and Toyota Prius are most likely going to be the most economical vehicles to insure for bad drivers. The price for an auto insurance policy will be more expensive just due to the fact that there is more claim risk for drivers with a bad driving record, but in general those specific models will tend to have the cheapest rates possible.
Insuring your vehicle with a high-quality insurance provider can be a challenge considering how many choices you have in Las Vegas. The ranking information in the lists below could help you analyze which auto insurers to look at when comparing insurance rates for drivers with a bad driving record.
The ratings below include companies with a national presence, so smaller companies will not be included in this list. If you’d like to compare prices from these top-rated insurers and more, just click here.
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+
The illustration below shows how choosing a deductible can raise or lower insurance rates when getting quotes for cheap insurance for drivers with a bad driving record. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied.
The data above shows that a 40-year-old driver could cut expenses by $256 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $388 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save $860 or even more by choosing a higher deductible. If you make the decision to raise deductibles, it is necessary to have enough in a savings account to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Compare quotes and save
Nevada auto insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. Getting older, filing a claim, or getting a speeding ticket can trigger changes in premium that can now make some companies affordable when they were higher priced. Additionally, companies modify pricing as often as every quarter to ensure their profitability. An unexpected high level of claims can cause additional price hikes, while less frequent claims may result in more affordable Las Vegas car insurance rates.
For example, the bar chart below analyzes the cheapest car insurance in Las Vegas, NV for a 30-year-old female driver with no accidents or violations, and excellent credit. If we estimate prices based on her current rating profile, Allied might offer the cheapest car insurance rates in Las Vegas at $1,604 a year. This is $30 more than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive also make the list of the best Las Vegas, NV auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a claim, a lower credit rating, and a traffic ticket or two. Due to the fact that every insurance company has their own guidelines for establishing rates, comparing quotes may now present a different ranking of companies as shown below.
Travelers now has the lowest car insurance rate in Las Vegas, NV with GEICO, Nationwide, USAA, and Capital now being in the top five. This illustrates why consumers need to shop around to find the most budget-friendly insurance quotes for drivers with a bad driving record. Insurance rates consist of many different factors and change dramatically, so the cheapest rate when you last compared rates may now be wasting a lot of money.
Ideas for finding economical car insurance for drivers with a bad driving record
It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help Las Vegas drivers locate lower-cost car insurance.
- Avoid accidents
- Try to not file small claims
- Remove physical damage coverage on older vehicles
- Buying home and auto insurance together can earn discounts
- Save money by obeying traffic laws and keeping a clean driving record
- Buy vehicles with five-star safety ratings
- Keep rates low by comparing prices once a year
The last tip in the list is notably necessary, as was stressed in this article. Prices can be adjusted at any time, so don’t hesitate to switch companies if a cheaper price is available.
Staying with the same car insurance company is fine, but it’s not a good idea if that devotion results in you overpaying money that could be spent on other things. Now is a great time to compare prices and find cheaper insurance for drivers with a bad driving record in Las Vegas.