Compare Fernley, NV Car Insurance Rates (2021)

Car insurance in Fernley, NV averages $296 a month. Fernley, Nevada car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Fernley car insurance rates, compare quotes from the top car insurance companies in Fernley, 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 Fernley is USAA
  • Average car insurance rates in Fernley, NV after a DUI are $4,264/year
  • Average car insurance rates in Fernley, NV are $3,553/year

If you need to buy Fernley, Nevada car insurance, the options can be confusing. Everything you need to know about car insurance in Fernley, NV is right here.

You’ll find Fernley car insurance rates, the cheapest Fernley, NV car insurance companies, and information on Nevada car insurance laws. You can also compare Fernley, Nevada car insurance rates to Carson City car insurance rates, Mesquite car insurance rates, and Henderson car insurance rates.

Ready to find affordable Fernley, NV car insurance today? Enter your ZIP code for fast, free Fernley car insurance quotes.

Cheapest Fernley, NV Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fernley, NV car insurance rates? Every Fernley, 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 Fernley, 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 $2,350 $2,346 $2,159 $2,281 $7,464 $8,972 $2,540 $2,720
American Family $2,299 $2,299 $2,045 $2,045 $7,718 $10,116 $2,299 $2,680
Farmers $1,863 $1,906 $1,689 $1,881 $6,102 $6,468 $2,485 $2,571
GEICO $2,245 $2,169 $2,277 $2,296 $5,508 $5,037 $2,228 $1,905
Liberty Mutual $2,465 $2,657 $2,383 $2,670 $10,742 $11,949 $2,789 $2,943
Nationwide $1,893 $1,938 $1,725 $1,827 $4,566 $5,524 $2,241 $2,389
Progressive $1,729 $1,501 $1,515 $1,508 $7,328 $7,954 $2,012 $1,870
State Farm $2,553 $2,553 $2,301 $2,301 $7,805 $9,948 $2,853 $3,207
Travelers $1,638 $1,662 $1,555 $1,552 $8,372 $13,480 $1,810 $2,032
USAA $1,820 $1,792 $1,730 $1,730 $4,579 $5,174 $2,285 $2,441

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Minimum Car Insurance in Fernley, NV

Every driver must carry the minimum car insurance in Fernley, NV. Take a look at the Nevada car insurance requirements.

Minimum Required Car Insurance Coverage in Fernley, 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 Fernley, NV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Fernley, NV. Compare credit history car insurance rates in Fernley from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Fernley, Nevada

Insurance Company Poor Fair Good
Allstate $4,928 $3,576 $3,057
American Family $4,890 $3,719 $3,204
Farmers $3,636 $2,948 $2,779
GEICO $3,563 $2,958 $2,354
Liberty Mutual $6,930 $4,229 $3,315
Nationwide $3,262 $2,689 $2,337
Progressive $3,489 $3,123 $2,920
State Farm $7,646 $3,009 $1,915
Travelers $4,395 $3,933 $3,711
USAA $3,887 $2,311 $1,883

Cheapest Fernley, 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 Fernley, NV to rates for a clean record with top companies.

Annual Fernley, Nevada Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,281 $3,829 $4,608 $3,698
American Family $3,172 $4,388 $4,713 $3,478
Farmers $2,606 $3,323 $3,417 $3,137
GEICO $2,055 $3,279 $3,977 $2,522
Liberty Mutual $3,536 $5,622 $5,665 $4,477
Nationwide $2,218 $2,850 $3,558 $2,424
Progressive $2,658 $3,626 $3,336 $3,088
State Farm $3,816 $4,564 $4,190 $4,190
Travelers $2,884 $4,278 $5,424 $3,464
USAA $2,077 $2,606 $3,748 $2,345

Cheapest Fernley, NV Car Insurance for Teen Drivers

Teen car insurance in Fernley, NV can be expensive. Take a look at rates from the top car insurance companies in Fernley for teenagers.

Annual Car Insurance Rates for Teen Drivers in Fernley, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,464 $8,972
American Family $7,718 $10,116
Farmers $6,102 $6,468
GEICO $5,508 $5,037
Liberty Mutual $10,742 $11,949
Nationwide $4,566 $5,524
Progressive $7,328 $7,954
State Farm $7,805 $9,948
Travelers $8,372 $13,480
USAA $4,579 $5,174

Cheapest Fernley, NV Car Insurance for Seniors

Take a look at Fernley, 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 Fernley, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,159 $2,281
American Family $2,045 $2,045
Farmers $1,689 $1,881
GEICO $2,277 $2,296
Liberty Mutual $2,383 $2,670
Nationwide $1,725 $1,827
Progressive $1,515 $1,508
State Farm $2,301 $2,301
Travelers $1,555 $1,552
USAA $1,730 $1,730

Cheapest Fernley, NV Car Insurance Rates After a DUI

A DUI in Fernley, NV increases car insurance rates. Compare Fernley, Nevada DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Fernley, Nevada

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,608
American Family $4,713
Farmers $3,417
GEICO $3,977
Liberty Mutual $5,665
Nationwide $3,558
Progressive $3,336
State Farm $4,190
Travelers $5,424
USAA $3,748

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Cheapest Fernley, NV Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fernley, NV by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Fernley, Nevada

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,854 $3,854
American Family $3,886 $3,989
Farmers $3,121 $3,121
GEICO $2,909 $3,008
Liberty Mutual $4,825 $4,825
Nationwide $2,763 $2,763
Progressive $3,177 $3,177
State Farm $4,069 $4,311
Travelers $4,013 $4,013
USAA $2,658 $2,730

The Best Cheap Car Insurance Companies in Fernley, NV

Take a look at a side-by-side comparison of the top car insurance companies in Fernley, NV to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Fernley, Nevada

Insurance Company Average Annual Rates
Allstate $3,854
American Family $3,938
Farmers $3,121
GEICO $2,958
Liberty Mutual $4,825
Nationwide $2,763
Progressive $3,177
State Farm $4,190
Travelers $4,013
USAA $2,694

Category Winners: Cheapest Car Insurance in Fernley, Nevada

Find the cheapest car insurance companies in Fernley, NV for each category right here.

Best Annual Car Insurance Rates by Company in Fernley, Nevada

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Fernley, NV Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Fernley car insurance rates. Find the cheapest Fernley, NV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Fernley, Nevada

Insurance Company Low Medium High
Allstate $3,505 $3,897 $4,160
American Family $3,783 $4,163 $3,866
Farmers $2,876 $3,092 $3,394
GEICO $2,652 $2,892 $3,331
Liberty Mutual $4,485 $4,778 $5,211
Nationwide $2,740 $2,758 $2,789
Progressive $2,799 $3,068 $3,665
State Farm $3,870 $4,175 $4,526
Travelers $3,664 $4,031 $4,343
USAA $2,429 $2,671 $2,982

What affects car insurance rates in Fernley, Nevada?

What factors can have an impact on Fernley, NV car insurance? There are several reasons why Fernley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fernley, Nevada.

Commute Time in Fernley

The more time you spend in your car the higher the risk of an accident. The average commute length in Fernley, NV is 28.0 minutes according to City-Data.

Compare Car Insurance Quotes in Fernley, NV

Ready to find affordable Fernley, Nevada car insurance today? Enter your ZIP code for fast, free Fernley, NV car insurance quotes.

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