The Cheapest Car Insurance In Nevada For 2024
Country Financial is known for offering reliable and competitively priced basic car insurance in Nevada, priced at $32 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Nevada car insurance may appear costly, but affordable options are available. Country Financial, a trusted name in the insurance field, offers competitive rates and coverage that spans from essential to comprehensive. With living costs going up, securing quality insurance at a reasonable rate is vital.
Whether you’re a new driver, a frequent commuter, or a family aiming to cut costs, understanding how rates are set and knowing where to look for deals can make a big difference. With more than ten years of industry research, this guide is designed to help you make sense of your options.
Cheapest Car Insurance Companies In Nevada, 2024
Our Methodology
My examination into car insurance involved a systematic approach to studying different providers and their policies. Initially, I focused on key aspects like coverage choices, pricing, customer satisfaction, and financial stability. I gathered data from trustworthy sources such as insurer websites, consumer reviews, and industry reports. After collecting the data, I categorized it and evaluated each insurer based on predefined criteria. This included comparing coverage options, premium rates, discounts, and customer feedback to assess the strengths and weaknesses of each provider.
Quotes Assessed
Research Hours
Years Of Industry Experience
Brands Reviewed
Cheapest Car Insurance In Nevada For Minimum Coverage
Country Financial’s minimum car insurance rates in Nevada are some of the lowest, averaging only $32 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $32 | $382 |
| Progressive | $55 | $655 |
| Nationwide | $58 | $696 |
| GEICO | $63 | $755 |
| Mercury | $71 | $849 |
To legally drive in Nevada, drivers must have minimum car insurance, typically including liability coverage for bodily injury and property damage. Bodily injury liability covers medical expenses and legal fees if you cause an accident that injures others, while property damage liability pays for repairs or replacements to others’ property or vehicles you damage. State laws establish these minimum coverage amounts, which can vary depending on your driving record or vehicle type. It’s crucial to understand these requirements to ensure proper financial protection.
Cheapest Car Insurance In Nevada For Full Coverage
Country Financial’s full coverage car insurance is a cost-effective choice for Nevada residents, with typical monthly premiums starting at $80.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $80 | $958 |
| GEICO | $171 | $2,048 |
| Nevada General | $189 | $2,268 |
| Allstate | $217 | $2,602 |
| Kemper | $235 | $2,819 |
In Nevada, drivers have the choice to opt for full coverage car insurance, which provides extensive protection by covering not only the mandatory liability insurance but also additional options like collision and comprehensive insurance. Collision insurance covers the cost of repairing your vehicle if it’s damaged in an accident, regardless of fault, while comprehensive insurance protects against damages not caused by accidents, such as theft or fire. Choosing full coverage ensures financial security and peace of mind, ensuring readiness for various risks. It’s crucial to review policy details, including coverage limits and deductibles, to ensure it meets individual needs effectively.
Cheapest Car Insurance In Nevada For Drivers With Poor Credit
Country Financial offers the most affordable insurance premiums in Nevada for drivers with poor credit, typically around $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $113 | $1,352 |
| Capital Insurance Group | $118 | $1,412 |
| Country Financial | $100 | $1,198 |
| Nationwide | $121 | $1,453 |
| Travelers | $163 | $1,951 |
Credit scores have a significant impact on car insurance rates in Nevada. Insurers use credit history to gauge risk, which can result in higher premiums for drivers with lower scores. Those with poor credit are often considered higher-risk for claims. Despite this, they can still reduce insurance expenses by comparing quotes and pursuing discounts.
Cheapest Car Insurance In Nevada For Seniors
Country Financial’s option for Nevada seniors is priced affordably, averaging $73 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $73 | $880 |
| Capital Insurance Group | $76 | $903 |
| Nationwide | $85 | $1,015 |
| Mercury | $87 | $1,041 |
| Travelers | $100 | $1,203 |
Seniors may find that car insurance premiums are lower, as they are often seen as experienced and responsible drivers. Many older adults also drive less frequently, reducing their risk of accidents. Insurers may offer senior discounts based on age and driving habits, with added savings for those who complete a defensive driving course.
Cheapest Car Insurance In Nevada For Young Drivers
Car insurance premiums in Nevada tend to be lower for young adults than for teenage drivers. Their safer driving habits often lead to fewer accidents and claims, prompting insurers to offer more affordable rates to young adults.
Cheapest Nevada Car Insurance For 16-Year-Olds
State Farm features highly competitive rates for sixteen-year-olds, averaging $413 monthly.
| Provider | Average Annual Cost | Average Monthly Cost |
| State Farm | $413 | $4,959 |
| USAA | $512 | $6,142 |
| GEICO | $517 | $6,200 |
| American Family Insurance | $548 | $6,573 |
| Key Insurance Company | $852 | $10,224 |
Cheapest Nevada Car Insurance For 17-Year-Olds
Insurance rates are most competitive for seventeen-year-olds with GEICO, averaging about $319.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $319 | $3,373 |
| USAA | $325 | $3,902 |
| State Farm | $344 | $4,130 |
| American Family Insurance | $455 | $5,457 |
| Travelers | $554 | $6,650 |
Cheapest Nevada Car Insurance For 18-Year-Olds
GEICO’s insurance rates for 18-year-olds are the most economical, averaging $231 monthly.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $231 | $2,768 |
| USAA | $280 | $3,360 |
| State Farm | $303 | $3,639 |
| American Family Insurance | $439 | $5,266 |
| Travelers | $457 | $5,489 |
Cheapest Nevada Car Insurance For 21-Year-Olds
At GEICO, 21-year-olds pay an average of $132 per month for insurance, making it a budget-conscious choice.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $132 | $1,586 |
| USAA | $165 | $1,982 |
| State Farm | $206 | $2,472 |
| Progressive | $246 | $2,946 |
| Travelers | $261 | $3,130 |
Cheapest Car Insurance In Nevada For Good Drivers
Country Financial’s insurance rates for safe drivers in Nevada are the cheapest, averaging $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $80 | $958 |
| GEICO | $171 | $2,048 |
| Nevada General | $189 | $2,268 |
| Allstate | $217 | $2,602 |
| Kemper | $235 | $2,819 |
The cost of car insurance for safe drivers in Nevada can vary based on factors like their driving history, age, and desired coverage. Typically, those with a clean driving record may qualify for lower premiums as insurers view them as less risky. They may also be eligible for discounts for maintaining a good driving record over time. Safe drivers should consider comparing quotes from multiple insurers to find competitive rates and coverage options that fit their needs.
Cheapest Car Insurance In Nevada For Drivers With Prior Incidents
In Nevada, individuals with a background of accidents, speeding tickets, or DUIs often struggle to obtain reasonably priced car insurance. These incidents mark them as high-risk to insurers, leading to higher premiums to cover expected claims. This issue is notably prevalent in Nevada due to its elevated rate of traffic incidents. Insurers formulate their pricing strategies based on statistical analyses that indicate a connection between previous driving incidents and an enhanced likelihood of future claims.
Cheapest Car Insurance In Nevada For Drivers With A Speeding Ticket
With State Farm, drivers with speeding tickets can enjoy average premiums as low as $123.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| State Farm | $123 | $1,476 |
| USAA | $159 | $1,917 |
| Travelers | $195 | $2,344 |
| GEICO | $240 | $2,878 |
| Progressive | $252 | $3,035 |
Cheapest Car Insurance In Nevada For Drivers With An At-Fault Accident
If you have speeding tickets, consider State Farm for its competitive premiums, typically around $145.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| State Farm | $145 | $1,738 |
| USAA | $200 | $2,398 |
| Travelers | $245 | $2,540 |
| GEICO | $330 | $3,958 |
| Farmers | $535 | $3,703 |
Cheapest Car Insurance In Nevada For Drivers After A DUI
At just $136 on average, Country Financial provides the most economical insurance solution for DUI-affected drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $180 | $2,160 |
| Country Financial | $136 | $1,630 |
| Mercury | $142 | $1,699 |
| Capital Insurance Group | $170 | $2,045 |
| Nationwide | $190 | $2,285 |
Average Cost In Nevada – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $804 | $11,788 |
| 17 | $650 | $7,800 |
| 18 | $569 | $6,826 |
| 19 | $393 | $4,717 |
| 21 | $294 | $3,527 |
| 25 | $206 | $3,081 |
| 35 | $189 | $2,788 |
| 45 | $186 | $2,676 |
| 55 | $172 | $2,526 |
| 65 | $180 | $2,160 |
| 75 | $216 | $2,595 |
Average Cost In Nevada – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $3,100 |
| Male | Single | $3,120 |
| Female | Married | $2,750 |
| Male | Married | $2,800 |
Average Cost In Nevada – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $190 | $2,278 |
| Good | $270 | $3,238 |
| Poor | $232 | $2,782 |
Cheapest Car Insurance In Nevada By City
| City | Average Monthly Cost | Average Annual Cost |
| Fernley | $114 | $1,365 |
| Dayton | $117 | $1,401 |
| Elko | $118 | $1,418 |
| Spring Creek | $119 | $1,429 |
| Carson City | $121 | $1,455 |
| Gardnerville Ranchos | $122 | $1,468 |
Minimum Car Insurance Requirement In Nevada
Drivers in Nevada are required to have minimum insurance coverage that includes liability for bodily injury and property damage, typically represented as 25/50/20. This includes $25,000 per injured person, $50,000 per accident, and $20,000 for property damage. Uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident is also mandated. If eligible, HIP can be chosen instead of PIP.
Car Insurance Discounts In Nevada
Looking for car insurance discounts can help you save on premiums, and your agent might know more options. Here are some common discounts:
- Safe Driver Discount: For those with a clean driving record.
- Multi-Vehicle Discount: Save by insuring more than one car under a single policy.
- Bundling Discount: Combining auto and other policies can lower costs.
- Good Student Discount: Students with good grades may qualify for reduced premiums.
- Defensive Driving Discount: A defensive driving course might earn you a discount.
FAQs
How much is car insurance a month in Nevada ?
The monthly insurance bill for cars in Nevada changes, influenced by age, driving history, and the coverage selected.
What is the minimum car insurance one must have in Nevada ?
In Nevada, motorists must possess car insurance that includes liability coverage for bodily injury and property damage.
Which insurance is better in Nevada ?
Choosing insurance in Nevada should be guided by your coverage needs, driving habits, and personal preferences. Looking at quotes from different providers can help you find the best plan.
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