Buy Cheap Elko, NV Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 14, 2022

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A Concise Overview

  • 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.

Minimum Required Auto 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

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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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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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.

Annual Auto 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

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.

Annual Elko, Nevada Auto 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

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.

Annual Auto Insurance Rates After a DUI in Elko, Nevada

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.

Best Annual Auto 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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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.

Average Annual Auto 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

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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