Buy Cheap Elko, NV Auto Insurance in 2024
Elko, NV auto insurance rates average $288 a month. Minimum auto insurance requirements in Elko, Nevada are 25/50/20 to comply with Nevada laws. To buy cheap auto insurance in Elko, NV, compare Elko auto insurance quotes from top companies.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Elko after a DUI is Liberty Mutual
- Average auto insurance rates in Elko, NV for teens drivers are $6,788/year
- The most expensive auto insurance company in Elko is Liberty Mutual
Finding affordable Elko, Nevada auto insurance can be challenging, but everything you need to know to buy cheap Elko, NV auto insurance with confidence is right here. Auto insurance rates in Elko are affected by local factors as well as personal ones like your driving record.
See how Elko, NV car insurance rates compare to North Las Vegas auto insurance rates, Henderson auto insurance rates, and Fernley auto insurance rates before you read more about the cost of auto insurance in Elko.
Don’t buy Elko, NV auto insurance until you’ve compared rates. Get free Elko, Nevada auto insurance quotes when you enter your ZIP code above.
Elko, NV Minimum Auto Insurance Requirements
The required auto insurance in Elko, NV is 25/50/20 according to the auto insurance laws in Nevada. The minimum auto insurance in Elko, Nevada is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Find Cheap Elko, NV Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Elko, NV. Take a look at Elko, Nevada auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,156 | $3,743 | $3,198 |
| American Family | $5,039 | $3,836 | $3,307 |
| Farmers | $3,636 | $2,948 | $2,779 |
| Geico | $3,536 | $2,936 | $2,336 |
| Liberty Mutual | $6,736 | $4,103 | $3,213 |
| Nationwide | $3,110 | $2,558 | $2,227 |
| Progressive | $2,929 | $2,620 | $2,453 |
| State Farm | $7,721 | $3,037 | $1,932 |
| Travelers | $3,923 | $3,505 | $3,306 |
| USAA | $3,706 | $2,211 | $1,804 |
Buy Cheap Elko, NV Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Elko, Nevada auto insurance rates? Find out how car insurance rates in Elko, NV are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,454 | $2,452 | $2,250 | $2,378 | $7,814 | $9,398 | $2,658 | $2,853 |
| American Family | $2,374 | $2,374 | $2,112 | $2,112 | $7,952 | $10,418 | $2,374 | $2,769 |
| Farmers | $1,863 | $1,906 | $1,689 | $1,881 | $6,102 | $6,468 | $2,485 | $2,571 |
| Geico | $2,232 | $2,153 | $2,254 | $2,265 | $5,460 | $4,998 | $2,221 | $1,904 |
| Liberty Mutual | $2,369 | $2,555 | $2,297 | $2,576 | $10,485 | $11,673 | $2,684 | $2,834 |
| Nationwide | $1,819 | $1,865 | $1,657 | $1,757 | $4,309 | $5,217 | $2,143 | $2,285 |
| Progressive | $1,454 | $1,283 | $1,281 | $1,271 | $6,095 | $6,634 | $1,705 | $1,616 |
| State Farm | $2,583 | $2,583 | $2,324 | $2,324 | $7,870 | $10,027 | $2,885 | $3,245 |
| Travelers | $1,487 | $1,509 | $1,412 | $1,406 | $7,434 | $11,882 | $1,642 | $1,853 |
| USAA | $1,744 | $1,718 | $1,660 | $1,660 | $4,363 | $4,926 | $2,185 | $2,333 |
Buy Cheap Elko, NV Auto Insurance for Teen Drivers
Auto insurance for teenagers in Elko can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elko, NV are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,814 | $9,398 |
| American Family | $7,952 | $10,418 |
| Farmers | $6,102 | $6,468 |
| Geico | $5,460 | $4,998 |
| Liberty Mutual | $10,485 | $11,673 |
| Nationwide | $4,309 | $5,217 |
| Progressive | $6,095 | $6,634 |
| State Farm | $7,870 | $10,027 |
| Travelers | $7,434 | $11,882 |
| USAA | $4,363 | $4,926 |
Buy Cheap Elko, NV Auto Insurance for Seniors
You can save on senior auto insurance rates in Elko, Nevada by comparing Elko senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elko, NV here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,250 | $2,378 |
| American Family | $2,112 | $2,112 |
| Farmers | $1,689 | $1,881 |
| Geico | $2,254 | $2,265 |
| Liberty Mutual | $2,297 | $2,576 |
| Nationwide | $1,657 | $1,757 |
| Progressive | $1,281 | $1,271 |
| State Farm | $2,324 | $2,324 |
| Travelers | $1,412 | $1,406 |
| USAA | $1,660 | $1,660 |
Find Cheap Auto Insurance Rates in Elko, NV by Coverage Level
The amount of coverage you choose is a big factor in the cost of Elko, Nevada auto insurance. Compare Elko, NV auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,683 | $4,075 | $4,338 |
| American Family | $3,905 | $4,291 | $3,986 |
| Farmers | $2,876 | $3,092 | $3,394 |
| Geico | $2,640 | $2,872 | $3,295 |
| Liberty Mutual | $4,327 | $4,635 | $5,091 |
| Nationwide | $2,612 | $2,627 | $2,656 |
| Progressive | $2,423 | $2,600 | $2,978 |
| State Farm | $3,916 | $4,215 | $4,560 |
| Travelers | $3,284 | $3,596 | $3,854 |
| USAA | $2,311 | $2,551 | $2,859 |
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Find Cheap Elko, NV Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Elko. Compare auto insurance rates in Elko, NV by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,032 | $4,032 |
| American Family | $4,008 | $4,114 |
| Farmers | $3,121 | $3,121 |
| Geico | $2,886 | $2,986 |
| Liberty Mutual | $4,684 | $4,684 |
| Nationwide | $2,632 | $2,632 |
| Progressive | $2,667 | $2,667 |
| State Farm | $4,108 | $4,352 |
| Travelers | $3,578 | $3,578 |
| USAA | $2,539 | $2,608 |
Find Cheap Elko, NV Auto Insurance Rates by Driving Record
Auto insurance rates in Elko, Nevada are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elko, NV, take a look at the average cost for various violations versus rates for a clean driving record in Elko.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,431 | $4,004 | $4,826 | $3,868 |
| American Family | $3,271 | $4,525 | $4,861 | $3,586 |
| Farmers | $2,606 | $3,323 | $3,417 | $3,137 |
| Geico | $2,044 | $3,251 | $3,940 | $2,509 |
| Liberty Mutual | $3,428 | $5,465 | $5,502 | $4,342 |
| Nationwide | $2,110 | $2,715 | $3,393 | $2,308 |
| Progressive | $2,241 | $3,029 | $2,805 | $2,594 |
| State Farm | $3,855 | $4,605 | $4,230 | $4,230 |
| Travelers | $2,576 | $3,813 | $4,827 | $3,096 |
| USAA | $1,983 | $2,488 | $3,587 | $2,238 |
Find Cheap Elko, NV Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Elko, Nevada is higher than for a clean driving record. You can buy auto insurance after a DUI in Elko for less when you shop around and compare rates from multiple Elko, NV auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,826 |
| American Family | $4,861 |
| Farmers | $3,417 |
| Geico | $3,940 |
| Liberty Mutual | $5,502 |
| Nationwide | $3,393 |
| Progressive | $2,805 |
| State Farm | $4,230 |
| Travelers | $4,827 |
| USAA | $3,587 |
Winners by Category: Where to Buy Cheap Auto Insurance in Elko, NV
Compare rates from the cheapest auto insurance companies in Elko, NV for your needs. Take a look at how Elko, Nevada auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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Find Cheap Elko, Nevada Auto Insurance Companies
If you’re looking for the cheapest Elko, NV auto insurance companies overall, you can compare them here. Find the best price for Elko, Nevada car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,032 |
| American Family | $4,061 |
| Farmers | $3,121 |
| Geico | $2,936 |
| Liberty Mutual | $4,684 |
| Nationwide | $2,632 |
| Progressive | $2,667 |
| State Farm | $4,230 |
| Travelers | $3,578 |
| USAA | $2,574 |
What affects Elko, Nevada auto insurance rates?
Local factors affect auto insurance rates in Elko, NV, including traffic, theft statistics, and commute length. Take a look at the things that impact Elko auto insurance rates.
Auto Theft in Elko
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Elko, NV auto theft show a total of 33 vehicle thefts annually.
Commute Times in Elko
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elko, NV is 27.9 minutes according to City-Data.
Compare Auto Insurance Quotes in Elko, NV
You can buy cheap Elko, NV auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elko, Nevada auto insurance quotes from top companies.
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Frequently Asked Questions
How can I buy cheap auto insurance in Elko, NV?
To buy cheap auto insurance in Elko, NV, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record with no accidents or traffic violations.
- Opt for higher deductibles, but make sure you can afford them in case of a claim.
- Inquire about available discounts, such as multi-policy, safe driver, or low-mileage discounts.
- Consider bundling your auto insurance with other policies, like home or renters insurance, for additional savings.
What factors affect the cost of auto insurance in Elko, NV?
Several factors can influence the cost of auto insurance in Elko, NV, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The make, model, and age of your vehicle
- Your annual mileage
- The coverage options and limits you choose
- Your credit history
- The location where you live and park your vehicle
Are there any specific auto insurance requirements in Elko, NV?
Yes, in Elko, NV, as in the rest of Nevada, all drivers are required to carry auto insurance that meets the state’s minimum liability coverage limits. The minimum requirements include $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $20,000 property damage liability.
What types of auto insurance coverage should I consider in Elko, NV?
When buying auto insurance in Elko, NV, it’s important to consider the following coverage options:
- Liability coverage: This is required by law and covers bodily injury and property damage you cause to others in an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Collision coverage: Covers damage to your vehicle in a collision, regardless of fault.
- Comprehensive coverage: Protects your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Medical payments coverage: Covers medical expenses for you and your passengers in case of an accident.
- Personal injury protection (PIP): Provides broader coverage for medical expenses, lost wages, and other accident-related costs.
What are some ways to save money on auto insurance in Elko, NV?
Here are some tips to save money on auto insurance in Elko, NV:
- Maintain a good driving record with no accidents or traffic violations.
- Consider taking a defensive driving course to qualify for a discount.
- Inquire about available discounts, such as safe driver, good student, or multi-policy discounts.
- Bundle your auto insurance with other policies, like home or renters insurance, from the same insurance provider.
- Opt for a higher deductible, but make sure you can afford it in case of a claim.
- Install safety features in your vehicle, such as anti-theft devices, to potentially lower your premium.
Can I get auto insurance quotes online for Elko, NV?
Yes, many insurance companies in Elko, NV offer online platforms where you can request auto insurance quotes. You can visit their websites, fill out the necessary information, and receive quotes based on your specific needs. However, it’s always a good idea to follow up with an agent to discuss the details of the policy and ensure you have the appropriate coverage.
Are there any local insurance agencies in Elko, NV that can assist with purchasing auto insurance?
Yes, Elko, NV has local insurance agencies that can assist you with purchasing auto insurance. These agencies have knowledgeable agents who can guide you through the process, answer your questions, and help you find the right coverage for your needs. You can search online or ask for recommendations from friends, family, or local residents to find a reputable insurance agency in Elko.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.