Cheap Auto Insurance in Elko, Nevada

Cheap Auto Insurance in Elko, Nevada

Find Cheap Auto Insurance Quotes in Elko, Nevada

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We compared auto insurance quotes from the top companies in the state and found that Nationwide (through Allied Insurance) offered the cheapest car insurance in Elko. Allied's auto insurance rate of $780 per year cost 44% less than the citywide average in Elko: $1,395 per year. The cost of an auto insurance policy is based on a wide variety of factors, including your age, vehicle and driving history, so we recommend you compare prices from multiple insurers before purchasing a policy. Enter your ZIP code above to get started finding car insurance quotes from companies near you.

Elko, Nevada Car Insurance Costs

The average cost of car insurance in Elko was $1,395 per year, according to our analysis of the cheapest insurers in the city. Elko's average cost of coverage is 12% cheaper than the statewide average, which is $1,592 in Nevada. Car insurance rates varied by $1,488 per year among the insurers we sampled. Allied offered the cheapest annual quote of $780, which is 66% more affordable than the most expensive insurer, Encompass. This large difference in rates is one of the primary reasons we recommend that drivers compare car insurance quotes before purchasing a policy.

Comparing the cost of auto insurance in Elko, Nevada

Find Cheap Auto Insurance Quotes in Elko, Nevada

Currently insured?

Elko, Nevada Auto Insurance Agents

Many drivers prefer to work with a local auto insurance agent when deciding on the best coverage to purchase, instead buying a policy online, or simply if they want assistance in managing their policies. We compiled a directory of local agents near you in Elko, Nevada, to help you find assistance with evaluating your car insurance needs.

Wells Fargo Insurance Services USA Inc.405 Idaho St. Suite 212 3rd Floor, Elko, NV 89801775-748-3630
Hometown Solutions Insurance Inc.301 Silver St., Elko, NV 89801775-777-9771
Gregory Insurance Agency789 Railroad St., Elko, NV 89801775-738-7103
Hanica Insurance Agency Inc.70 E. 8th St. Suite A, Battle Mountain, NV 89820775-635-8518

Car Insurance Requirements in Elko, Nevada

Drivers in Elko must carry the state-mandated liability insurance coverage, as do all vehicle owners in the Silver State. In Nevada, the minimum car requirements are:

  • Bodily injury liability coverage: $25,000 per person / $50,000 per accident
  • Property damage liability coverage: $20,000 per accident

Keep in mind that these are just the state-required minimums. If you're at fault for a particularly large collision, the damages may exceed your policy's limits if you just carry Nevada's mandatory coverage. We recommend that you consider higher coverage limits for your auto insurance policy. You should also review nonmandated coverages, which could help protect you financially in the event of a collision. For instance, comprehensive and collision insurance are not required in Nevada, but they cover your vehicle if it is stolen or damaged due to a wider set of circumstances.

Elko, Nevada Motor Vehicle Theft and Fatality Statistics

In Elko, there have been six fatal car crashes resulting in seven total deaths. Considering the population of the city, this is a relatively low rate of fatal accidents. Insurers often take the frequency of vehicular accidents into account when determining local car insurance rates, since you're more likely to make a claim if you live in a city that frequently sees collisions. If you live in a region with a high frequency of serious auto accidents, you can typically expect to pay more for auto insurance than areas with safer roads.

Local auto thefts (2009)49
Local thefts per 1,000 people2.64
State thefts per 1,000 people4.55
Auto accidents6
Auto fatalities7
Make and model
Chevrolet C, K, R, V-series pickup/Silverado12
Harley-Davidson 750cc or greater22
Kenworth Medium/Heavy - CBE12
International Harvester/Navistar Medium/Heavy - CBE01
Dodge Durango (2004 on)01

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