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Carson City Car Insurance

How much does car insurance cost in Carson City, NV? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Carson City?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Nevada has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Carson City typically pay around $77.96 per month compared to the national average of $135.06 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.06
Nevada $153.63
Carson City, Nevada $77.96

Carson City, NV Best Car Insurance Companies

car insurance in Carson City

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Capital Insurance Group generally has the most affordable car insurance in Carson City coming in around $77.03 per month. Other companies to consider if you live in Carson City is State Farm with an average cost of $81.73 per month and USAA which typically runs around $83.75 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Carson City.

RankCompanyAverage Monthly RateComparison State Average
1 Capital Insurance Group $77.03-49.86%
2 State Farm $81.73-46.80%
3 USAA $83.75-45.48%
4 SAFECO $97.09-36.80%
5 Country $98.87-35.64%
6 Travelers $103.85-32.40%
7 Farmers $115.38-24.90%
8 Liberty Mutual $119.03-22.52%
9 Nationwide $125.94-18.02%
10 Allied $129.46-15.73%

How Much is Car Insurance in Carson City, NV?

how much is auto insurance in Carson City

Rates can vary from city to city. The residents of Carson City typically pay $77.96 per month while people who live in Henderson will pay $147.53 per month on average. See what people pay for car insurance in other cities in Nevada.

Nevada CitiesMonthly Average Rate
Carson City $77.96
Henderson $147.53
Las Vegas $168.76
North Las Vegas $169.57
Reno $102.75

Cheap Car Insurance in Carson City by Zip Codes

find cheap auto insurance in Carson City

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Nevada. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Carson City, NV ZIP CodeAverage Monthly Rate
89701$75.24
89702$116.12
89703$69.17
89705$67.07
89706$83.10

Car Insurance Rates by Driver's Age Group in Carson City

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $127.83 per month in Carson City. Compare that to drivers in their 30’s who typically pay around $78.07 per month drivers in their 40s at $56.29 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$127.83
20s$96.26
30s$78.07
40s$56.29
50s$56.25
60s$54.10
70+$75.21

Cheapest Insurance for Teenage Drivers in Carson City

If you are teen in Carson City you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Capital Insurance Group typically charges around $167.83 per month. This is likely the most affordable option in Carson City. You might also want to consider Country and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Capital Insurance Group$167.83
Country$172.33
State Farm$183.83
USAA$197.00
Allied$250.58

Cheapest Insurance for 20 Year-olds in Carson City

20 year-olds in Carson City might want to consider State Farm who, on average, offers car insurance rates around $104.07 per month. Capital Insurance Group, USAA , Allied and Nationwide are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$104.07
Capital Insurance Group$112.84
USAA$114.88
Allied$133.76
Nationwide$138.89

Cheapest Insurance for 30 Year-olds in Carson City

If you are in your 30s in Carson City our research has found that State Farm typically has the most affordable coverage coming in around $67.17 per month, followed by Capital Insurance Group at $70.28 and USAA at $75.56.

CompanyAverage Monthly Rate
State Farm$67.17
Capital Insurance Group$70.28
USAA$75.56
Travelers$77.59
Country$88.18

Cheapest Insurance for 40 Year-olds in Carson City

On average, Capital Insurance Group offers car insurance for 40 year-olds in Carson City for around $60.67 per month. If you are looking for affordable coverage, you may also want to consider Country or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Capital Insurance Group$60.67
Country$69.59
USAA$70.13
State Farm$75.46
Travelers$78.00

Cheapest Insurance for 50 Year-olds in Carson City

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Carson City we found that Capital Insurance Group generally offers the most affordable coverage at $62.00 per month.

CompanyAverage Monthly Rate
Capital Insurance Group$62.00
State Farm$63.78
Travelers$64.17
USAA$74.44
Country$80.11

Cheapest Insurance for 60 Year-olds in Carson City

If you live in Carson City and you’re in your 60s, our data indicates that USAA usually has the best rates at $57.35 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$57.35
Capital Insurance Group$59.00
Travelers$68.96
State Farm$69.18
Country$76.47

Driver's Coverage Auto Insurance Rates in Carson City, NV

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Carson City, the average monthly rate for a driver who is currently insured is $71.17 while drivers who are not currently covered will pay around $85.62.

CoverageAverage Monthly Rate
Not Currently Insured $85.62
Currently Insured $71.17

Compare Recent Car Insurance Quotes in Carson City

auto insurance quotes in Carson City city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Carson City a driver of a 2015 Chrysler Town & Country can expect to pay around $60.35 per month while someone that owns a 2014 Chevrolet Captiva may pay around $84.25 per month. Check out the list of recent quotes in Carson City below.

VehicleAverage Monthly Rate
2015 Chrysler Town & Country$60.35
2014 Chevrolet Captiva$84.25
2018 Nissan Frontier$76.22
2000 Honda Accord$55.05
2006 Hyundai Tucson$60.55
2002 Ford F150$113.39
2015 Ford Focus$100.13
2005 Chrysler 300c$62.10
2018 Ford Escape$91.83
2016 Chevrolet Trax$68.62

FAQ's for Drivers in Carson City, NV

driver’s frequently asked question in Carson City

What Is the Minimum Liability Coverage Requirement in Carson City, NV?

Every state requires drivers to have a minimum amount of liability coverage. Nevada drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; The minimum coverage amount for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage per accident; The minimum requirement to cover two or more persons hurt or killed in an accident
  • $10,000; Property damage per accident; Coverage for all damaged property in an accident caused by you

Nevada requires motorists to carry a minimum of $15,000 for bodily injury or death of one person and $30,000 for bodily injury or death of two or more persons in any one accident. Drivers must also carry $10,000 to cover property damage of others in any one accident.

Nevada may require a lower level of coverage than some other states, but it’s risky to only opt for the minimum required by law. Not only does more insurance mean greater financial protection, but most lenders require full coverage and/or a variety of optional coverages before providing financing. Consider this when calculating the cost of your car loan.

What Is the Blood Alcohol Concentration (BAC) limit in Carson City, NV?

Individuals cannot legally operate a motor vehicle in Nevada once they reach the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

While the BAC applies only to alcohol, if a detectable level of any illegal substance is found, you’ll receive the same or greater penalties as you would for alcohol.

What are the consequences of being convicted of a DUI?

First-time offenders charged with a DUI in Nevada typically have their license suspended for 90 days and incur a number of fees that can top $200 or go considerably higher depending on certain factors, including whether they are of legal drinking age and whether their BAC was 0.18 or greater. They may apply for a restricted license after 45 days.

With a BAC of 0.18 or more, or at the court’s discretion, first-time offenders may need to have a breath interlock device installed in their vehicle for up to 3 years as well. Additionally, they must attend a Nevada DUI school and may face a short jail sentence or have to fulfill community service requirements. They may also need to attend certain programs or evaluations.

Penalties increase with each subsequent DUI offense.

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Commute Time in Carson City, NV

18.5 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Carson City, NV

151

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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