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Cheapest Car Insurance Quotes for Drivers with Accidents in Nevada

Enter your Nevada zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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One of the more important components used to determine the price of your policy is where you choose to live. Areas that are densely populated or have higher claim frequency like Winchester, Spring Valley, and Las Vegas likely pay more, whereas more rural areas get the luxury of paying less.

The illustration below lists the higher priced cities in Nevada for drivers with accidents in which to purchase auto insurance.

Most expensive Nevada cities for auto insurance
Rank City Premium Per Year
1 Winchester $2,180
2 Sunrise Manor $2,069
3 Spring Valley $2,060
4 Paradise $2,001
5 Las Vegas $1,949
6 Enterprise $1,908
7 North Las Vegas $1,826
8 Henderson $1,715
9 Boulder City $1,511
10 Mesquite $1,365
11 Pahrump $1,337
12 Spanish Springs $1,266
13 Sun Valley $1,266
14 Sparks $1,265
15 Reno $1,244
16 Fernley $1,149
17 Gardnerville Ranchos $1,138
18 Carson City $1,136
19 Dayton $1,097
20 Fallon $1,097
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Information shown are comparative as the vehicle garaging location can lower or raise price quotes substantially.

Figuring out which companies offer the cheapest car insurance rates for drivers with accidents will involve a little more work than just comparing rates from one or two companies. Every car insurance company has a proprietary method to set policy rates, so to begin we’ll rank the most competitive car insurance companies in Nevada.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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It’s important that you understand Nevada car insurance rates are impacted by many things which can substantially change the price you pay for coverage. Simply having another birthday, buying a different home, or getting caught speeding can trigger rate changes resulting in some companies being more affordable than the competition.

Enter your zip code below to view companies that have cheap auto insurance rates.

What’s the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Allied $921
2 Travelers $939
3 Capital $1,018
4 Oregon Mutual $1,158
5 Progressive $1,202
6 American Family $1,218
7 GEICO $1,256
8 Nationwide $1,334
9 USAA $1,336
10 Safeco $1,346
11 Farmers $1,482
12 MetLife $1,631
13 Country $1,668
14 State Farm $1,681
15 Mercury $1,807
16 Victoria $2,011
17 Liberty Mutual $2,227
18 Bristol West $2,313
19 Allstate $2,337
20 Encompass $2,710
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Allied generally has some of the cheapest car insurance rates in Nevada at around $921 a year. Travelers, Capital, Oregon Mutual, and Progressive are also some of the best Nevada car insurance companies.

As illustrated above, if you are insured with Progressive and switched to Travelers, you may realize yearly savings of around $263. Nevada drivers with American Family might save as much as $279 a year, and GEICO policyholders might see rate reductions of $317 a year.

It’s important to note that these rates are averaged for all drivers and vehicles and and are not figured with a rate increase for drivers with accidents. So the insurer that is best for you may not even be in the above rate chart. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

How accidents and violations affect rates

A great way to enjoy the cheapest auto insurance for drivers with accidents in Nevada is to be a safe driver and avoid at-fault accidents and violations. The information below illustrates how traffic citations and accidents raise car insurance costs for different ages of insureds. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of an auto insurance policy in Nevada per year with no violations or accidents is $1,384. Add in one speeding ticket and the average cost hikes up to $1,591, an increase of $207 each year. Now include two accidents along with the one speeding ticket and the annual cost of car insurance for drivers with accidents jumps again to an average of $3,360. That’s an increase of $1,975, or $165 per month, just for not being attentive to the road!

State Farm, Geico, Allstate, or Progressive: Who is cheapest?

If you’re looking for the best car insurance for drivers with at-fault accidents in Nevada, the four most popular companies are State Farm, Geico, Allstate, and Progressive. When added together, they insure over 48% of all auto insurance policies in force. The next table illustrates some of the ratings and options offered by each one.

Largest Car Insurance Companies Compared
State Farm Geico Allstate Progressive
Number of Discounts 3rd 2nd 1st 4th
Claims Service 2nd 3rd 1st 4th
Overall Price 2nd 1st 4th 3rd
Customer Satisfaction 4th 1st 2nd 3rd
Recommend by customers 88% 87% 86% 88%
A.M. Best rating A++ A++ A+ A+
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Mechanical breakdown insurance No Yes No Yes
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
New car replacement coverage No No Yes No
Usage-based insurance Yes No Yes Yes
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Find the cheapest auto insurance for drivers with accidents in Nevada

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help you locate low-cost coverage.

  • If possible, pay for small claims out-of-pocket
  • Insure your home and auto with the same company
  • Increase your physical damage deductibles
  • Drivers with good credit ratings often pay less
  • Avoid accidents and claims
  • Be a cautious driver
  • Compare rate quotes frequently

The last suggestion is extraordinarily valuable, as we noted in the article above. Coverage prices fluctuate constantly, so drivers shouldn’t be reluctant to switch to a new company if you can find a cheaper rate. Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you a small fortune. If you have a few minutes, compare prices to find cheaper car insurance for drivers with accidents.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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