Cheap Auto Insurance for High-Risk Drivers in Nevada (10 Best Companies for 2024)

The top picks for cheap auto insurance for high-risk drivers in Nevada are State Farm, Progressive, and Travelers, recognized for their affordability and comprehensive coverage.

These providers offer competitive high-risk auto insurance options that cater specifically to drivers who face more expensive premiums due to their driving history.

These companies understand the unique challenges faced by high-risk drivers in Nevada and ensure they receive the coverage they need without breaking the bank.

Enter your ZIP code above to explore which companies have the cheapest NV auto insurance rates for you.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Policies: State Farm offers significant discounts for bundling auto and home insurance, benefiting high-risk drivers in Nevada looking to reduce overall insurance costs.
• Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage, appealing to high-risk drivers in Nevada who limit their driving to mitigate risks.
• Wide Coverage: State Farm caters to high-risk drivers in Nevada with various coverage options tailored for different driving backgrounds and needs. Learn more in our State Farm review.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as competitive compared to some other insurers, which may affect high-risk drivers in Nevada looking for the best savings.
• Financial Instability: A.M. Best downgraded State Farm’s financial rating to a B, which is much lower than other NV high-risk auto insurance companies.

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#2 – Progressive: Cheapest Flexible Plans

Pros

• Customizable Plans: Progressive offers highly customizable insurance plans, allowing high-risk drivers in Nevada to tailor coverage. Learn how in our Progressive auto insurance review.
• Loyalty Rewards: Progressive provides loyalty rewards and discounts, which can significantly benefit high-risk drivers in Nevada who maintain a good record over time.
• Strong Online Tools: Progressive’s robust online tools assist high-risk drivers in Nevada with managing their policies and claims efficiently, enhancing the customer experience.

Cons

• Variable Customer Service: Progressive’s customer service quality can vary, potentially complicating claims and support for high-risk drivers in Nevada.
• Higher Rates for Certain Profiles: Some high-risk drivers in Nevada may face higher rates at Progressive compared to other insurers, depending on their driving history and risk factors.

#3 – Travelers: Cheapest Discount Options

Pros

• Multiple Discount Opportunities: Travelers offers a variety of discounts including multi-car and safe driver, which can lower high-risk auto insurance costs in Nevada.
• Accident Forgiveness: Travelers provides accident forgiveness programs, helping high-risk drivers in Nevada avoid rate increases after their first accident.
• Hybrid/Electric Vehicle Discounts: For eco-friendly high-risk drivers in Nevada who own hybrid or electric vehicles, Travelers offers specific discounts.

Cons

• Pricing Tiers: Travelers’ pricing can be on the higher side for high-risk drivers in Nevada without qualifications for multiple discounts. Learn more in our Travelers insurance review.
• Coverage Limitations: Some specialized coverages or higher limits might not be as readily available to Travelers, impacting high-risk drivers in Nevada seeking extensive protection.

#4 – Liberty Mutual: Cheapest Custom Options

Pros

• Tailored Coverage: Liberty Mutual provides highly personalized coverage options, ideal for high-risk drivers in Nevada who may need specific adjustments based on their driving history.
• Accident Forgiveness: Liberty Mutual offers accident forgiveness, preventing premium spikes for high-risk drivers in Nevada after their first claim.
• RightTrack Program: Liberty Mutual’s RightTrack program rewards high-risk drivers in Nevada for safe driving behavior with potential savings on premiums.

Cons

• Higher Starting Rates: Liberty Mutual tends to have higher initial rates, which might be costly for high-risk drivers in Nevada looking for initial affordability.
• Discount Restrictions: Some Nevada high-risk drivers won’t be eligible for RightTrack or accident forgiveness depending on their record. See if you qualify in our Liberty Mutual review.

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#5 – Geico: Best Mobile App

Pros

• Competitive Pricing: Geico offers some of the most competitive rates, beneficial for NV high-risk drivers seeking affordable coverage. Read our Geico insurance review to compare free quotes.
• Extensive Discounts: High-risk drivers in Nevada can take advantage of Geico’s extensive range of discounts, including bundling and military discounts.
• Strong Mobile App: Geico’s mobile app provides comprehensive tools for policy management, claims filing, and assistance, enhancing accessibility for high-risk drivers in Nevada.

Cons

• Customer Service Variability: While Geico generally has strong customer service, the experience can vary, which may affect high-risk Nevada insurance claims.
• Policy Customization Limits: Geico’s options for policy customization are somewhat limited compared to competitors, which may not fully meet the unique needs of some high-risk drivers in Nevada.

#6 – Allstate: Cheapest Low-Mileage Insurance

Pros

• Milewise Program: Allstate Milewise monitors monthly mileage instead of driving habits for cheaper NV high-risk car insurance rates.
• Local Agents: An extensive network of local agents provides personalized service and support to high-risk drivers in Nevada. Learn about it in our complete Allstate insurance review.
• Varied Discounts: Allstate offers a wide range of discounts that can significantly lower Nevada high-risk insurance premiums, including new car and multi-policy discounts.

Cons

• Expensive Premiums: High-risk drivers who don’t qualify for Allstate insurance discounts will have higher rates than at other Nevada auto insurance companies.
• Policy Upselling: There is a tendency to upsell additional coverages, which might complicate the buying process for high-risk drivers in Nevada seeking straightforward insurance solutions.

#7 – Farmers: Best Personal Service

Pros

• Dedicated Agents: Farmers provides personalized attention through dedicated agents, greatly benefiting high-risk drivers in Nevada who may require specialized guidance.
• Flexible Policy Options: Farmers offers flexible policy adjustments that can accommodate the varying needs of high-risk drivers in Nevada. See more details in our Farmers Insurance review.
• Accident Forgiveness: Farmers offers accident forgiveness to prevent rate increases after a first accident, a critical feature for high-risk drivers in Nevada.

Cons

• Higher Premiums: Premiums at Farmers tend to be higher than some competitors, which could be a drawback for high-risk drivers in Nevada looking for more economical options.
• Limited Online Tools: Compared to other insurers, Farmers offers fewer online tools for managing policies and claims, which could inconvenience tech-savvy high-risk drivers in Nevada.

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#8 – SafeAuto: Cheapest Quick Quotes

Pros

• Fast Quote Process: SafeAuto specializes in providing quick insurance quotes, ideal for high-risk drivers in Nevada who need immediate coverage. Compare quotes in our SafeAuto review.
• Flexible Payment Options: SafeAuto offers various payment plans, making it easier for high-risk drivers in Nevada to manage their insurance expenses.
• Specializes in High-Risk Insurance: Directly catering to high-risk drivers, SafeAuto’s policies are specifically designed to meet the needs of drivers with complex driving histories in Nevada.

Cons

• Limited Coverage Options: The coverage options at SafeAuto are more limited compared to larger insurers, which may not fully satisfy the needs of all high-risk drivers in Nevada.
• Customer Service Challenges: Some customers report issues with SafeAuto insurance customer service, which could affect high-risk drivers in Nevada during claims.

#9 – The General: Cheapest Guaranteed Acceptance

Pros

• Guaranteed Acceptance: The General is known for accepting nearly all high-risk drivers in Nevada regardless of driving history. Read The General auto insurance review for more information.
• SR-22 Support: The General specializes in providing SR-22 insurance certificates, crucial for high-risk drivers in Nevada with multiple accidents or DUIs.
• Flexible Billing: The General offers flexible billing options to accommodate the budget constraints of high-risk drivers in Nevada, making insurance payments more manageable.

Cons

• Higher Rate Premiums: Due to its broad acceptance, The General typically charges more for high-risk car insurance in Nevada.
• Basic Coverage Levels:  The General’s high-risk insurance coverage options are generally more basic and might not offer the comprehensive protection some Nevada drivers prefer.

#10 – Dairyland: Cheapest SR-22 Specialist

Pros

• Expertise in SR-22 Filings: Dairyland is a leader in handling SR-22 filings, providing essential support for high-risk drivers in Nevada who need it.
• Competitive Rates: Dairyland offers competitive rates specifically for high-risk drivers in Nevada, making it a viable option for those with stringent budgets.
• Flexible Coverage Options: Dairyland provides a range of coverage options. Check out our Dairyland review to explore your high-risk insurance options in Nevada.

Cons

• Customer Service Variability: While generally responsive, the customer service at Dairyland can vary, potentially impacting high-risk drivers in Nevada during crucial times.
• Limited Presence: Unlike larger national insurers, Dairyland has a more limited presence, which could affect the availability of local agents and services for high-risk drivers in Nevada.

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Nevada High-Risk Auto Insurance Rates by Company

Below is a comprehensive overview of the monthly rates offered by the top ten high-risk auto insurance companies in Nevada:

Monthly high-risk rates for Nevada minimum insurance requirements range from $47 with State Farm to $135 with Dairyland. For those seeking full coverage, Progressive offers the most affordable option at $131 per month, while Dairyland presents the highest at $280/month.

The cost of auto insurance for high-risk drivers in Nevada is influenced by a variety of factors. Understanding these elements can help drivers identify opportunities to potentially lower their premiums and choose the best coverage options.

• Driving Record: Incidents such as accidents, speeding tickets, and DUIs categorize drivers as high-risk, significantly increasing insurance rates.
• Age and Experience of the Driver: Younger drivers and those with less driving experience often face higher rates due to their perceived risk of filing claims.
• Vehicle Type: High-performance sports cars, luxury vehicles, electric and hybrid models, and newer models are all considered high-risk for car insurance.
• Credit History: In Nevada, insurers may use credit history as a factor in determining premiums, with lower scores potentially leading to higher costs.

By managing risk factors such as maintaining a clean driving record and choosing appropriate coverage, drivers can work towards cheaper high-risk auto insurance.

Strategies to Lower High-Risk Auto Insurance Rates for Drivers in Nevada

Implementing specific strategies can lead to substantial savings, like leveraging discounts for anti-theft devices, bundled insurance policies, and low annual mileage.

Maintaining a clean driving record over time is also crucial, as it demonstrates responsibility and reduces the perceived risk to insurers.

How long does an accident affect your auto insurance rate? In Nevada, an accident can stay on your record for up to three years. But enrolling in defensive driving courses not only improves driving skills but also qualifies you for more discounts.

Opting for a higher deductible can decrease monthly premiums, though it increases out-of-pocket costs in the event of a claim. Additionally, regularly reviewing and comparing insurance policies and quotes online can ensure that drivers are always getting the best possible rates

Case Studies: Getting Cheap High-Risk Auto Insurance in Nevada

Choosing the right auto insurance is crucial for high-risk drivers in Nevada. The following case studies, based on real-world scenarios, illustrate how high-risk drivers get the support and financial relief they need:

• Case Study #1 – Exceptional Client Service: Maria, who had multiple speeding tickets, chose State Farm for its extensive network of local agents. She received personalized advice on how to improve her driving habits and reduce her NV insurance costs to $47/month.
• Case Study #2 – Customizable Coverage: John, a driver with a recent DUI, found that Progressive offered him the flexibility to adjust his coverage levels and add-ons, paying $131/month for essential coverage.
• Case Study #3 – Comprehensive Discounts: Alex has bad credit but took advantage of Travelers’ multiple discount opportunities. By enrolling in a defensive driving course and utilizing a safe driver discount, he lowered his monthly insurance rates to $73/month.

These scenarios highlight the importance of selecting a Nevada insurer that understands and caters to the complex policy needs faced by high-risk drivers.

Each company offers unique benefits tailored to accommodate the challenges faced by drivers with higher risk profiles, but understanding auto insurance premiums and how your risk level impacts the cost will help you lock in the lowest rates.

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Top Nevada Auto Insurance Companies for High-Risk Drivers

State Farm, Progressive, and Travelers have cheap auto insurance for high-risk drivers in Nevada. State Farm stands out among the best Nevada insurance companies with its extensive network of agents and robust customer service on top of cheap rates starting at $47/month.

Progressive is known for its customizable plans and loyalty rewards for high-risk drivers who renew their Nevada insurance policies. Travelers offers diverse discount options, catering to high-risk drivers who insure multiple cars or driver hybrid or electric models.

Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.

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