Best Elko, NV Car Insurance in 2026
Car insurance in Elko, NV averages $288 a month. Elko, Nevada car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Elko car insurance rates, compare quotes from the top car insurance companies in Elko, NV.
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Table of Contents
Table of Contents
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Laura Berry
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Updated January 2026
- The cheapest car insurance company in Elko for teen drivers is USAA
- Average car insurance rates in Elko, NV are $3,451/year
- The cheapest car insurance company in Elko is USAA
If you need to buy Elko, Nevada car insurance, the options can be confusing. Everything you need to know about car insurance in Elko, NV is right here.
You’ll find Elko car insurance rates, the cheapest Elko, NV car insurance companies, and information on Nevada car insurance laws. You can also compare Elko, Nevada car insurance rates to Henderson car insurance rates, Las Vegas car insurance rates, and Elko car insurance rates.
Ready to find affordable Elko, NV car insurance today? Enter your ZIP code for fast, free Elko car insurance quotes.
Cheapest Elko, NV Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Elko, NV car insurance rates? Every Elko, Nevada car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Elko, NV
Every driver must carry the minimum car insurance in Elko, NV. Take a look at the Nevada car insurance requirements.
| 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 |
Cheapest Elko, NV Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Elko, NV. Compare credit history car insurance rates in Elko from top companies for good, fair, and poor credit.
| 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 |
Cheapest Elko, NV Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Elko, NV to rates for a clean record with top companies.
| 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 |
Cheapest Elko, NV Car Insurance for Teen Drivers
Teen car insurance in Elko, NV can be expensive. Take a look at rates from the top car insurance companies in Elko for teenagers.
| 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 |
Cheapest Elko, NV Car Insurance for Seniors
Take a look at Elko, NV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Elko, NV Car Insurance Rates After a DUI
A DUI in Elko, NV increases car insurance rates. Compare Elko, Nevada DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Elko, NV Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Elko, NV by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
The Best Cheap Car Insurance Companies in Elko, NV
Take a look at a side-by-side comparison of the top car insurance companies in Elko, NV to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Elko, Nevada
Find the cheapest car insurance companies in Elko, NV for each category right here.
| 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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Cheapest Elko, NV Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Elko car insurance rates. Find the cheapest Elko, NV car 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 |
What affects car insurance rates in Elko, Nevada?
What factors can have an impact on Elko, NV car insurance? There are several reasons why Elko car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Elko, Nevada.
Car Theft in Elko
High levels of vehicle theft can make car insurance more expensive. Elko, NV car theft statistics from the FBI indicate 33 vehicle thefts a year.
Commute Time in Elko
The more time you spend in your car the higher the risk of an accident. The average commute length in Elko, NV is 27.9 minutes according to City-Data.
Compare Car Insurance Quotes in Elko, NV
Ready to find affordable Elko, Nevada car insurance today? Enter your ZIP code for fast, free Elko, NV car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Elko, NV?
The average monthly car insurance rate in Elko, NV is $288.
What are the car insurance requirements in Elko, Nevada?
The car insurance requirements in Elko, NV are 25/50/20, meaning you need at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
Yes, if your car is financed, you will likely need full coverage insurance, which includes comprehensive and collision coverage in addition to liability coverage.
How can I find cheap car insurance rates in Elko, NV?
To find cheap car insurance rates in Elko, NV, you can compare quotes from the top car insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Elko, NV?
Age, gender, and marital status can affect car insurance rates differently depending on the car insurance company. It’s best to compare rates to see how these factors impact your premiums.
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