How Much is Auto Insurance for Drivers with a Bad Driving Record in Nevada?

How Much is Auto Insurance for Drivers with a Bad Driving Record in Nevada?

You have probably seen the ads from car insurance companies like Nationwide, Farmers, and GEICO that promise enormous savings. So drivers should just pick one randomly, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown aspects such as if you are claim-free, which neighborhood you live in, and if you own your own home, that help determine the price you have to pay. This article will discuss the things that cause high insurance rates and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Nevada.

For bad drivers, one of the largest criteria that establish auto insurance rates is where you live in Nevada. Areas that are more densely populated like Winchester, Paradise, and Las Vegas tend to pay higher rates, whereas areas with less congestion benefit from lower prices.

The information below lists the more expensive cities in Nevada for drivers with a bad driving record in which to purchase auto insurance.

Where does Nevada rank for car insurance cost?
Rank City Annual Rate
1 Winchester $2,180
2 Sunrise Manor $2,090
3 Paradise $2,041
4 Spring Valley $1,980
5 Las Vegas $1,949
6 Enterprise $1,908
7 North Las Vegas $1,882
8 Henderson $1,715
9 Boulder City $1,511
10 Mesquite $1,365
11 Pahrump $1,323
12 Sun Valley $1,266
13 Sparks $1,265
14 Reno $1,244
15 Spanish Springs $1,216
16 Carson City $1,170
17 Gardnerville Ranchos $1,116
18 Fernley $1,115
19 Spring Creek $1,114
20 Elko $1,114
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Table data uses estimated as the specific area where the vehicle is garaged can revise rates considerably.

Finding out which company has the best insurance rates for drivers with a bad driving record will involve a bit more work than just comparing rates from one or two companies. Every car insurance company has a unique approach to set policy rates, so we will examine the insurance companies with the overall best prices in Nevada.

We do need to point out that Nevada insurance rates are calculated based on many things that can increase the cost of coverage. Simply turning a year older, filing a claim, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being cheaper than others.

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Cheapest insurance companies in Nevada
Rank Company Cost Per Year
1 Allied $921
2 Travelers $939
3 Capital $1,008
4 Oregon Mutual $1,147
5 Progressive $1,202
6 American Family $1,218
7 GEICO $1,269
8 USAA $1,297
9 Nationwide $1,321
10 Safeco $1,346
11 Farmers $1,482
12 MetLife $1,615
13 Country $1,668
14 State Farm $1,698
15 Mercury $1,807
16 Victoria $2,031
17 Liberty Mutual $2,249
18 Allstate $2,314
19 Bristol West $2,336
20 Encompass $2,710
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Allied has some of the cheapest car insurance rates in Nevada at around $921 each year. Travelers, Capital, Oregon Mutual, and Progressive would also be considered some of the more affordable Nevada car insurance companies.

As shown in the table above, if you have coverage with Progressive and switched to Travelers, you might see savings of upwards of $263. Policyholders with American Family could save as much as $279 a year, and GEICO insureds might cut rates by $330 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or visit any of the low-priced companies below.

Bear in mind that those prices are averaged across all drivers and vehicles and do not factor in a price surcharge for drivers with a bad driving record. So the insurer that can offer you the lowest price may not even be included in the company chart above. That’s why you need to compare prices as often as possible using your own specific driver and vehicle information.

The information below illustrates how choosing a deductible can impact insurance prices when quoting cheap insurance for drivers with a bad driving record. The information is based on a married male driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $298 a year by switching from a $100 deductible to a $500 deductible, or save $452 by using a $1,000 deductible. Even younger drivers, like the 20-year-old example, could save $1,002 every year just by choosing larger deductibles. If you make the decision to raise deductibles, it will be important to have additional savings on hand to satisfy the extra out-of-pocket expense that comes with higher deductibles.

Is the best company Geico, State Farm, Progressive, or Allstate?

When comparing auto insurance, the four most popular companies are Geico, State Farm, Progressive, and Allstate. The following table compares ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.

Top U.S. Auto Insurance Company Ratings
Geico State Farm Progressive Allstate
Discounts Available 2nd 3rd 4th 1st
Claims Handling 3rd 2nd 4th 1st
Customer Satisfaction 1st 4th 3rd 2nd
Price Overall 1st 2nd 3rd 4th
Percent of U.S. market 11.4% 18.3% 8.8% 10%
Rating from A.M. Best A++ A++ A+ A+
Standard & Poor’s financial rating AA+ AA AA AA-
Roadside service Yes Yes Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
Mechanical breakdown insurance Yes No Yes No
Accident forgiveness Yes No Yes Yes
New car replacement No No No Yes
Usage-based insurance No Yes Yes Yes
Insurance Agents Can buy online or use a Geico agent State Farm-only agents Online or from independent agents Allstate-only agents
Number of agents 150+ 18,000+ 30,000+ 11,000+
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Find cheap car insurance for drivers with a bad driving record in Nevada

Below you’ll find many penny-pinching suggestions that can help you quote more affordable car insurance.

  • Save money by only buying liability coverage for older vehicles
  • Remain accident-free and save
  • Try paying for small claims out-of-pocket
  • Be a safe driver
  • Buy a vehicle with excellent safety ratings
  • Bundle home and auto and save
  • Compare prices frequently to find the best deal

That last piece of advice is very crucial, as was pointed out in the article above. Rates in Nevada vary considerably, so don’t be hesitant to change insurance companies if a cheaper price is available.

Having a favorite company is fine, but is isn’t recommended if that inflexibility results in costing you big bucks every year. It takes less than five minutes to shop around and find cheaper insurance for drivers with a bad driving record.