Who Has Cheap Car Insurance for Business Use in Nevada?

Finding reliable, low-priced auto insurance is easier said than done, and deciding which insurers offer the cheapest car insurance rates for business use will require even more rate comparisons. Prices will more than likely be moderately more expensive than the state average, with the increase attributed to the potential for higher claims related to selling insurance for using your car for business, but economical coverage should be possible if you shop around. Each company uses a slightly different approach for establishing rates, so let’s rank the lowest cost car insurance companies in Nevada.

Best Car Insurance Prices for Business Use

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Allied generally has some of the most affordable car insurance rates in Nevada at around $921 each year. Travelers, Capital, American Family, and Oregon Mutual also rank well as some of the best Nevada auto insurance companies.

As illustrated above, if you have coverage with Travelers and switched to Allied, you may realize savings of approxmiately $18. Insureds with Capital might save as much as $67 a year, and American Family customers might see rate reductions of $261 a year.

To find out how much you can save, click here to start a quote or quote prices from the following companies.

Bear in mind that those rates are averages across all drivers and vehicles and are not factoring in a rate surcharge for business use. So the insurer that is best suited for you may not even be in the rate chart shown above. That underscores the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.

For using your car for business, one of the largest criteria that control auto insurance rates is where your car is garaged. Areas with increased crime or more people like Winchester, Paradise, and Enterprise will most likely pay more, whereas less populated areas generally benefit from lower auto insurance rates.

The illustration below shows the most expensive cities in Nevada for business use to buy car insurance in.

Price information shown is approximated as the garaging address in Nevada can lower or raise price quotes greatly.

Cost and performance of the vehicle driven is one of the biggest factors when quoting cheap auto insurance for business use in Nevada. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost significantly more to insure than safer models.

The tables below outlines car insurance costs for a number of the most cost-effective automobiles to insure in Nevada.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific location information which can raise or lower coverage prices considerably.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can raise or lower rates noticeably.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in garaging location in Nevada which can alter premium rates noticeably.

Best car insurance company in Nevada

Picking the highest-rated insurance company can be rather challenging considering how many companies sell insurance in Nevada. The company ratings displayed below may help you select which car insurance providers you want to consider when shopping car insurance rates for business use.

The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not factored into the list. To get price quotes from these and other companies in Nevada, just click here.

Top 10 Major Auto Insurance Providers in Nevada Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. 21st Century – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Top 10 Major Auto Insurance Providers in Nevada Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Difference between full coverage and liability only rates

Finding cheap auto insurance for business use in Nevada is important to the majority of people, and one way to lower the cost of insurance is to not insure for full coverage. The information below compares yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

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As an average, comp and collision coverage costs $1,455 per year more than just buying liability only. That touches on the question if buying full coverage is a good investment. There is no definitive guideline to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Which auto insurance company is best?

When it comes to auto insurance for using your car for business in Nevada, the first places to look would be State Farm, Allstate, Progressive, and Geico. Combined they insure about half of the car insurance market in the United States. All offer your standard physical damage and liability coverages, but each one has slightly different options that buyers can select from. The following table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages shoppers can expect to find with each one.