Compare Elko, NV Car Insurance Rates (2021)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elko, Nevada

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.

Minimum Required Car Insurance Coverage in Elko, Nevada

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.

Annual Car Insurance Rates by Credit Score in Elko, Nevada

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.

Annual Elko, Nevada Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Elko, Nevada

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.

Annual Car Insurance Rates for Senior Drivers in Elko, Nevada

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.

Annual Car Insurance Rates After a DUI in Elko, Nevada

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.

Annual Car Insurance Rates by Commute Length in Elko, Nevada

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.

Average Annual Car Insurance Rates by Company in Elko, Nevada

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.

Best Annual Car Insurance Rates by Company in Elko, Nevada

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.

Annual Car Insurance Rates by Coverage Level in Elko, Nevada

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.

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