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Get Cheap Car Insurance in Carson City, NV

We monitor insurance prices, helping the average driver in Carson City save up to 36.3% on car insurance.

 

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The Cheapest Minimum Coverage in Carson City

The chart below shows the cheapest car insurance company in Carson City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Progressive, Geico, and Safeco Insurance.

 
Carson City Insurer Monthly Cost
State Farm $62
Progressive $80
Geico $80
Safeco Insurance $87

Savings for Every Kind of Carson City Driver

The table shows how much the average auto insurance customer in Carson City might save by following our recommendations.

Based on our extensive insurance data, we know the average Carson City driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $478 per year by choosing the right vehicle insurance company. Some Carson City residents are paying out over $2,097 extra every year for auto insurance in Carson City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Carson City, NV Savings / Yr.
Drivers with good records
$478
Drivers with accidents
$645
Drivers with speeding tickets
$363
Drivers with a DUI conviction
$898
Young drivers
$2,684
Married drivers
$615
Drivers with bad credit
$871

Carson City Car Insurance vs. Nevada

People living in Carson City pay an average of 6.89% less than the typical driver in the state. The average driver in Carson City can expect to pay about $1,072 per year, or $2,097 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Carson City for most people.

Car Insurance Prices by Carson City Neighborhood

Carson City, NV map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Carson City?

The map shows insurance prices in and around Carson City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $575 per year within the county boundaries, with insurance premiums ranging from a high of $2,516 to a low of $1,941. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Carson City.

Pick the Best Car Insurance Company for You in Carson City

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Carson City insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Carson City

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $478 over the average Carson City car insurance company.

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We use the average good driver, paying $135 per month, as our baseline for pricing in Carson City. State Farm, Progressive, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Carson City drivers with accidents on their records

In Carson City getting into an accident will raise premiums an average 33% for a yearly cost of $3,141. That's $1,044 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Travelers are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $645 over the competition.

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The best car insurance company for Carson City drivers with speeding tickets

>Progressive gave the average person with a speeding ticket the most savings, averaging $363 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Carson City, tickets raise premiums on new quotes about $512. If you have a speeding ticket, we recommend State Farm, Progressive, and Travelers for savings that beat the average insurance cost of $2,609 per year.

The best auto insurance for Carson City drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,309 per year in auto insurance premiums, which was $1,212 more than a driver with no major issues. State Farm, Progressive, and Allstate penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $898 less each year.

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The least expensive car insurance company for new and young drivers in Carson City

In Carson City, State Farm costs young drivers $2,684 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 72% more for insurance than more mature drivers in Carson City. With an average cost of $7,385 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and AAA try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Carson City

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $160. State Farm, Geico, and Progressive provided the largest discounts to couples living in Carson City.

State Farm gave the largest car insurance discounts to married couples, averaging $615 saved each year compared to an average Carson City couple's premiums.

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The cheapest car insurance in Carson City for drivers with bad credit

People with poor credit saved an average of $871 with State Farm.

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Many people are surprised that their poor credit score can cost them an average of $1,012 every year. Premiums for people with poor credit were about $3,109 in Carson City. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Progressive, and Safeco Insurance.

The best Carson City car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Carson City, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Carson City.

Nationwide was the best company for customer service in Carson City according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Carson City, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Carson City. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Carson City

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Carson City residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Carson City driver can expect to pay about $145 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Carson City, USAA has the best prices for married couples, good drivers, young drivers, drivers with a DUI conviction, drivers with accidents, drivers with bad credit, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Carson City

What Influences the Cost of Car Insurance in Carson City?

On average, car insurance in Carson City is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Carson City is 25 minutes, which is a little less than average for a driver in the state.
  • Nevada state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Carson City are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Carson City is one of the least populated areas in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Carson City is $89 per month for minimum coverage and $175 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Carson City driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Carson City with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.