Express Auto Insurance Reviews

express auto insurance reviews

Finding cheap insurance can help you to save a fortune on what it would normally cost to own and operate a motor vehicle, especially if you have traffic infractions on your record. One great option to consider is Express Auto Insurance.

Most Express Auto Insurance reviews state the same thing, and it is that they are great for finding you inexpensive rates if you are a high-risk driver. With companies like this insurance provider, you may be able to find comparable rates to drivers with clean driving records.

About Express Auto Insurance

Unlike other insurance providers that give you packages from the company itself, Express Auto Insurance works with other insurance providers to give you the coverage you need. This means that when you sign up for a policy, it will be with a third-party provider given to you through Express.

This company currently only service Nevada, which makes it one of the smallest insurance providers in the United States. However, it gives residents the ability to work with a company that knows the ins and outs of Nevada driving laws.

Founded in 2003, Express Auto Insurance has since received gold and silver awards for Las Vegas Review-Journal’s Las Vegas Best rankings in 2018 and 2017. This just goes to show that, although they are small, they will make it much simpler to get the insurance you need.

Express Auto Insurance Coverage Options

The main thing to remember about Express is that they are a company designed to give drivers the bare minimum requirements needed to legally operate a motor vehicle. With that said, likely, you won’t find many add-ons or special packages that you’d get from larger insurance companies.

Depending on the provider you are matched with, you may be able to talk to your insurance agent to find out more about special offerings. Overall, the minimum type of coverage you’ll be able to get from Express Auto Insurance includes:

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 for two or more people
  • Property Damage Liability: $20,000

Other common types of insurance coverage, such as comprehensive and collision, are not reported to the DMV of Nevada, and as such, are not requirements to legally operate a vehicle. However, if you want to ensure you don’t have to pay out of pocket for any costs associated with an at-fault or not-at-fault accident, it’s recommended that you also consider:


This type of coverage is recommended for dealing with costs associated with repairing or replacing a vehicle when in an accident.


To help pay for the costs of repairing your vehicle if it is affected by vandalism, nature, animal accidents, theft, or any circumstances out of your control, comprehensive coverage is recommended.

Uninsured and Underinsured Motorist

If you are in an accident with another driver who is underinsured or uninsured, this type of coverage pays for accident-related costs.

Benefits of Express Auto Insurance Policies

As with any insurance company, before signing up for a policy, you will need to consider their pros and cons. First, let’s discuss all of the benefits of this provider and what they bring to the table.

Specialized Knowledge

There’s nothing better than having a team of representatives helping you to find the cheapest insurance rates possible. With Express Auto Insurance, you’ll receive a dedicated agent who will bring you comparable quotes to choose from.

Also, as they are a small company based in Nevada, they know everything there is to know about local driving laws. This can help you to find the perfect insurance package that not only sufficiently covers you, but that also ensures you are more up to date with recent driving laws and expectations.

Online Services

There are plenty of top-tier insurance providers that don’t allow their policyholders to make payments online or even receive an online quote. Luckily, Express Auto Insurance has both of those services readily available for you to use.

Before signing up for a policy, you can use their online quoting system to get an idea of what your premiums will be. As soon as you become a policyholder, you can then make your payments entirely online. This is far more convenient than having to visit a location in-person or giving your personal payment information over the phone.

Affordable Rates

According to the company, their main mission is to help ensure that you find the most affordable rates, even with a spotty driving history.

As someone who may require SR-22 insurance or may be determined to be uninsurable by larger companies, this is a great advantage. Not only will you be able to find insurance with traffic infractions on your record, but also insurance that is more affordable than what you would receive from another provider.

Customizable Policies

It’s important to note that when you opt for a policy through Express Auto Insurance, you’ll have complete control over the items added to your plan, aside from the basic state requirements. This means you will finally have the ability to create a personalized package that will cover you and your family members every step of the way.

Cons of Express Auto Insurance Policies

Although there are plenty of benefits to take note of, there are also a few disadvantages to using Express Auto Insurance as your insurance provider. These are:

Limited Information

When you visit their website, you’ll find there is very little information about the specifics of your policies, the insurance providers they work with, and even discounts you might be eligible for.

When you contact an agent to help you find insurance, you must ask as many questions as possible to ensure you are getting the best deal with everything you need. Otherwise, you could be stuck with a poor insurance policy that lacks substance.

Limited Availability

Compared to most other insurance providers, this is one of the smallest companies you’re going to find. Although this can be beneficial for residents of Nevada, it does little to help other drivers in the surrounding areas. If you live outside of the state, you will have to consider a different insurance provider.

Express Auto Insurance Reviews: Final Thoughts

For drivers with spotty records and people looking for inexpensive rates, Express Auto Insurance reviews are important to read. They have knowledgeable insurance agents that will work to find you the best deals from various providers throughout the state.

Although they only service Nevada, they are very well versed in local laws and can help you to create a customized insurance package.


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