Do Nevadans Pay the Most in Car Insurance Premiums?

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    March 29 2021

    Do Nevadans Pay the Most in Car Insurance Premiums?

    Did you know that geography plays a role in how much you pay for car insurance? Stacker recently published an article States Paying the Most in Car Insurance Premiums. In the article, Stacker ranked all 50 states according to where car insurance premiums cost the most on average. It ranked based on statistical data on annual auto insurance premiums. The article broke ties by which state had the higher full coverage cost. Below we provide the top 10 states paying the least in car insurance premiums. We also provide the top 10 states paying the most in car insurance premiums. Each state is accompanied by its average full coverage costs and the total number of licensed drivers (also provided by the Stacker article). Can you guess which top 10 list Nevada is on?

    If a car accident injures you or a loved one, seek medical help immediately. Once you have sought medical care, seek legal help from an experienced personal injury lawyer. The law firm of Anthem Injury Lawyers has a dedicated team of lawyers and staff ready to help you with your personal injury case. You don’t have to worry about paying for a lawyer upfront. We work on a contingency basis. That means that our Las Vegas personal injury lawyers only get paid when you win. Don’t delay. Our experienced personal injury lawyers offer the knowledge and expertise you need to win the compensation you deserve. Remember: insurance companies are not motivated to help you receive maximum compensation for your car accident injuries. You need the knowledge, expertise and experience that our personal injury lawyers provide.

    We’re ready to help you win the compensation you deserve as a victim in a Las Vegas car accident. Contact us today at (702) 857-6000 to make an appointment for a free consultation.

    Top 10 States Paying the Least in Car Insurance Premiums

    Before we provide the top 10 states paying the most in car insurance premiums, take a look at the below list. It provides the top 10 states paying the least in car insurance premiums. How does your current rate compare to the low rates on the list?

    10. North Carolina

    • Average annual premium: $542
    • Full coverage: $1,506
    • Licensed drivers: 7,509,231

    9. North Dakota

    • Average annual premium: $528
    • Full coverage: $2,286
    • Licensed drivers: 561,333

    8. Indiana

    • Average annual premium: $498
    • Full coverage: $1,485
    • Licensed drivers: 4,589,405

    7. Maine

    • Average annual premium: $489
    • Full coverage: $1,285
    • Licensed drivers: 1,040,582

    6. Wisconsin

    • Average annual premium: $486
    • Full coverage: $1,559
    • Licensed drivers: 4,288,171

    5. Wyoming

    • Average annual premium: $485
    • Full coverage: $2,123
    • Licensed drivers: 419,256

    4. Alaska

    • Average annual premium: $485
    • Full coverage: $1,576
    • Licensed drivers: 536,033

    3. Hawaii

    • Average annual premium: $475
    • Full coverage: $1,763
    • Licensed drivers: 948,417

    2. South Dakota

    • Average annual premium: $420
    • Full coverage: $2,429
    • Licensed drivers: 638,428

    1. Iowa

    • Average annual premium: $357
    • Full coverage: $1,659
    • Licensed drivers: 2,260,271

    Top 10 States Paying the Most in Car Insurance Premiums

    Now that you know the top 10 states paying the least in car insurance premiums, can you guess which list Nevada is on? You are correct if you guessed that Nevada ranks among the top 10 states paying the most in car insurance premiums. Read on to find out what other states are on this top 10 list.

    10. New Jersey

    • Average annual premium: $1,182
    • Full coverage: $2,809
    • Licensed drivers: 6,342,876

    9. Connecticut

    • Average annual premium: $1,192
    • Full coverage: $2,753
    • Licensed drivers: 2,605,612

    8. Nevada

    • Average annual premium: $1,295
    • Full coverage: $3,061
    • Licensed drivers: 1,983,453

    7. Delaware

    • Average annual premium: $1,316
    • Full coverage: $2,883
    • Licensed drivers: 786,504

    6. New York

    • Average annual premium: $1,323
    • Full coverage: $2,777
    • Licensed drivers: 12,194,360

    5. Louisiana

    • Average annual premium: $1,329
    • Full coverage: $3,546
    • Licensed drivers: 3,425,435

    4. Kentucky

    • Average annual premium: $1,338
    • Full coverage: $2,907
    • Licensed drivers: 3,032,530

    3. Rhode Island

    • Average annual premium: $1,589
    • Full coverage: $3,589
    • Licensed drivers: 756,966

    2. Florida

    • Average annual premium: $2,565
    • Full coverage: $3,230
    • Licensed drivers: 15,368,695

    1. Michigan

    • Average annual premium: $5,282
    • Full coverage: $9,071
    • Licensed drivers: 7,153,645

    How Nevada Auto Insurance Companies Determine Your Rate

    Were you surprised to see Nevada ranked 8 on the above list? Was your rate higher or lower than the Nevada average? How is that possible? Well, in addition to geography, there are a number of other factors auto insurance companies use to determine your rate. According to the Nevada Division of Insurance, insurance companies use a variety of factors to determine the cost of auto insurance. When you apply for insurance, the insurance company will request information to determine your rating. Your rating is the determination of premium based on several risk characteristics. In addition to geography, these risk characteristics include the following:

    • Driving record
    • Gender
    • Age
    • Marital status
    • Prior insurance coverage
    • Vehicle use
    • Usage-based insurance
    • Make and model of vehicle
    • Credit-based insurance scoring

    Don’t let the complexities of insurance ruin your day! Anthem Injury Lawyers understands how to deal with insurance companies, especially if you’ve been the victim in an accident caused by another. Take advantage of our car accident lawyers’ knowledge, expertise and experience. Call us now to schedule your free case review: (702) 857-6000. Our car accident lawyers know how to get you the compensation you deserve for your injuries.

    Insurance Discounts

    Would you like to lower your insurance premium? You should ask your insurance company about available discounts. Insurance companies offer discounts to individuals based on a variety of characteristics. Not all insurance companies offer the same discounts. Below are some of the discounts that may be available when applying for insurance coverage:

    • Multiple vehicles
    • Driver education courses
    • Good student
    • Safety devices
    • Anti-theft devices
    • Good driver/loyalty
    • Multiple policy
    • Dividends
    • Miscellaneous discounts

    These are not all of the discounts that may be available to you. There are over 140 companies offering auto insurance in Nevada. Different insurance companies offer different discounts. Depending on which discounts apply, you may be able to save money on your insurance policy. Ask around to find out what discounts are available for you.

    EXPERIENCED LAS VEGAS PERSONAL INJURY LAWYERS

    The law firm of Anthem Injury Lawyers understands that even the most cautious person can be injured in a car accident. If another driver has injured you or a loved one, it’s important that you seek experienced legal representation. Our car accident lawyers serve the Las Vegas area with the knowledge and expertise to help you gain maximum compensation for your injuries.

    With over 25 years of experience, award-winning Las Vegas law firm Anthem Injury Lawyers specializes in personal injury claims. If you cannot visit our Las Vegas area office, we can come to you to discuss your car accident case. When you speak with our Las Vegas personal injury lawyers you’ll discover that our expertise is exactly what you need. We will help you obtain just compensation for your injuries sustained in your accident. Don’t delay. Benefit from our experience: you can rely on Las Vegas’ car accident law experts – Anthem Injury Lawyers. Now is the right time to pursue your case and get the compensation you deserve. Call our personal injury lawyers now at (702) 857-6000 to make an appointment for a free consultation. We are ready to represent you in your Las Vegas car accident case.

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