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Get Cheap Car Insurance in Fernley, NV
We monitor insurance prices, helping the average driver in Fernley save up to 36.3% on car insurance.
The Cheapest Minimum Coverage in Fernley
The chart below shows the cheapest car insurance company in Fernley 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.
| Fernley Insurer | Monthly Cost |
|---|---|
| State Farm | $63 |
| Progressive | $82 |
| Geico | $82 |
| Safeco Insurance | $88 |
Savings for Every Kind of Fernley Driver
Based on our extensive insurance data, we know the average Fernley 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 $489 per year by choosing the right vehicle insurance company. Some Fernley residents are paying out over $2,145 extra every year for auto insurance in Fernley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fernley, NV Savings / Yr. |
|---|---|
$489 |
|
$660 |
|
$372 |
|
$918 |
|
$2,746 |
|
$630 |
|
$892 |
Fernley Car Insurance vs. Nevada
People living in Fernley pay an average of 4.74% less than the typical driver in the state. The average driver in Fernley can expect to pay about $1,096 per year, or $2,145 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Fernley for most people.
Car Insurance Prices by Fernley Neighborhood
Insurance Prices
Where is insurance cheapest within Fernley?
The map shows insurance prices in and around Fernley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $305 per year within the city boundaries, with insurance premiums ranging from a high of $2,259 to a low of $1,954. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Fernley.Pick the Best Car Insurance Company for You in Fernley
The best car insurance provider for most drivers in Fernley
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $489 over the average Fernley car insurance company.
The best car insurance provider for Fernley drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $660 over the competition.
The best car insurance company for Fernley drivers with speeding tickets
>Progressive gave the average person with a speeding ticket the most savings, averaging $372 better than other car insurance companies.
The best auto insurance for Fernley drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $918 less each year.
The least expensive car insurance company for new and young drivers in Fernley
In Fernley, State Farm costs young drivers $2,746 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fernley
State Farm gave the largest car insurance discounts to married couples, averaging $630 saved each year compared to an average Fernley couple's premiums.
The cheapest car insurance in Fernley for drivers with bad credit
The best Fernley car insurance company for customer service
Recent price drops
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The cheapest large national provider in Fernley
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fernley driver can expect to pay about $145 per month.
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 Fernley, 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.Auto Insurance Prices in and Around Fernley
What Influences the Cost of Car Insurance in Fernley?
On average, car insurance in Fernley 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 city are influenced by the following factors:
- Nevada state insurance regulations may require higher prices.
- An average of 0 to 1 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fernley are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Fernley is a lightly populated area in the state. The city’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 Fernley is $91 per month for minimum coverage and $179 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 Cities
- Wadsworth: Insurance costs 5.08% less
- Hazen: Insurance costs 0.37% less
- Silver Springs: Insurance costs 5.36% less
- Nixon: Insurance costs 5.55% less
- Stagecoach: Insurance costs 4.71% less
- Fallon: Insurance costs 4.06% less
- Spanish Springs: Insurance costs 0.19% less
- Sparks: Insurance costs 2.94% more
- Sutcliffe: Insurance costs 3.78% less
- Dayton: Insurance costs 7.32% less
Cities with Similar Populations
- Louisville: Insurance costs 7.51% less
- Kilgore: Insurance costs 23.12% less
- King George: Insurance costs 42.70% less
- Laguna Beach: Insurance costs 3.96% less
- Lakeside: Insurance costs 41.03% less
- Latham: Insurance costs 3.26% more
- Latrobe: Insurance costs 37.44% less
- Lebanon: Insurance costs 16.41% less
- Leesburg: Insurance costs 22.56% less
- Lemont: Insurance costs 29.23% less