Find Cheap Auto Insurance Quotes in Your Area
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.
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 89801||775-748-3630|
|Hometown Solutions Insurance Inc.||301 Silver St., Elko, NV 89801||775-777-9771|
|Gregory Insurance Agency||789 Railroad St., Elko, NV 89801||775-738-7103|
|Hanica Insurance Agency Inc.||70 E. 8th St. Suite A, Battle Mountain, NV 89820||775-635-8518|
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 people||2.64|
|State thefts per 1,000 people||4.55|
Make and model
|Chevrolet C, K, R, V-series pickup/Silverado||1||2|
|Harley-Davidson 750cc or greater||2||2|
|Kenworth Medium/Heavy - CBE||1||2|
|International Harvester/Navistar Medium/Heavy - CBE||0||1|
|Dodge Durango (2004 on)||0||1|