Best Cheap Auto Insurance in Fernley, NV (2021)

The average Fernley, NV auto insurance rates are $296 per month. The minimum auto insurance in Fernley is at least 25/50/20 in coverage to comply with Nevada auto insurance laws. To find the best cheap auto insurance in Fernley, Nevada, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Fernley is 28.0 minutes
  • The minimum auto insurance required in Fernley, Nevada is 25/50/20
  • The cheapest auto insurance company in Fernley is USAA

Fernley, Nevada auto insurance requirements are 25/50/20 according to Nevada auto insurance laws. Finding cheap auto insurance in Fernley can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fernley, Nevada, including driving record, credit, commute time, and more.

Compare auto insurance in Fernley to other Nevada cities, including Mesquite auto insurance rates, Fernley auto insurance rates, and Carson City auto insurance rates to see how Fernley, Nevada auto insurance rates stack up.

Before you buy Fernley, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fernley, Nevada auto insurance quotes.

Minimum Auto Insurance in Fernley, Nevada

Fernley, Nevada auto insurance laws require that you have at least the Nevada minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fernley, Nevada.

Minimum Required Auto Insurance Coverage in Fernley, Nevada

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Fernley, Nevada Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fernley, Nevada are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fernley, Nevada

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,350 $2,346 $2,159 $2,281 $7,464 $8,972 $2,540 $2,720
American Family $2,299 $2,299 $2,045 $2,045 $7,718 $10,116 $2,299 $2,680
Farmers $1,863 $1,906 $1,689 $1,881 $6,102 $6,468 $2,485 $2,571
GEICO $2,245 $2,169 $2,277 $2,296 $5,508 $5,037 $2,228 $1,905
Liberty Mutual $2,465 $2,657 $2,383 $2,670 $10,742 $11,949 $2,789 $2,943
Nationwide $1,893 $1,938 $1,725 $1,827 $4,566 $5,524 $2,241 $2,389
Progressive $1,729 $1,501 $1,515 $1,508 $7,328 $7,954 $2,012 $1,870
State Farm $2,553 $2,553 $2,301 $2,301 $7,805 $9,948 $2,853 $3,207
Travelers $1,638 $1,662 $1,555 $1,552 $8,372 $13,480 $1,810 $2,032
USAA $1,820 $1,792 $1,730 $1,730 $4,579 $5,174 $2,285 $2,441

Cheap Fernley, Nevada Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fernley, Nevada is a challenge. Take a look at the annual teen auto insurance rates in Fernley, Nevada.

Annual Auto Insurance Rates for Teen Drivers in Fernley, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,464 $8,972
American Family $7,718 $10,116
Farmers $6,102 $6,468
GEICO $5,508 $5,037
Liberty Mutual $10,742 $11,949
Nationwide $4,566 $5,524
Progressive $7,328 $7,954
State Farm $7,805 $9,948
Travelers $8,372 $13,480
USAA $4,579 $5,174

Cheap Fernley, Nevada Auto Insurance for Seniors

What are senior auto insurance rates in Fernley, Nevada? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Fernley, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,159 $2,281
American Family $2,045 $2,045
Farmers $1,689 $1,881
GEICO $2,277 $2,296
Liberty Mutual $2,383 $2,670
Nationwide $1,725 $1,827
Progressive $1,515 $1,508
State Farm $2,301 $2,301
Travelers $1,555 $1,552
USAA $1,730 $1,730

Cheap Fernley, Nevada Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fernley, Nevada compared to the annual auto insurance rates with a clean record in Fernley, Nevada.

Annual Fernley, Nevada Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,281 $3,829 $4,608 $3,698
American Family $3,172 $4,388 $4,713 $3,478
Farmers $2,606 $3,323 $3,417 $3,137
GEICO $2,055 $3,279 $3,977 $2,522
Liberty Mutual $3,536 $5,622 $5,665 $4,477
Nationwide $2,218 $2,850 $3,558 $2,424
Progressive $2,658 $3,626 $3,336 $3,088
State Farm $3,816 $4,564 $4,190 $4,190
Travelers $2,884 $4,278 $5,424 $3,464
USAA $2,077 $2,606 $3,748 $2,345

Cheap Fernley, Nevada Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fernley, Nevada is not easy. Compare the annual rates for DUI auto insurance in Fernley, Nevada to find the best deal.

Annual Auto Insurance Rates After a DUI in Fernley, Nevada

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,608
American Family $4,713
Farmers $3,417
GEICO $3,977
Liberty Mutual $5,665
Nationwide $3,558
Progressive $3,336
State Farm $4,190
Travelers $5,424
USAA $3,748

Cheap Fernley, Nevada Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Fernley, Nevada annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Fernley, Nevada

Insurance Company Poor Fair Good
Allstate $4,928 $3,576 $3,057
American Family $4,890 $3,719 $3,204
Farmers $3,636 $2,948 $2,779
GEICO $3,563 $2,958 $2,354
Liberty Mutual $6,930 $4,229 $3,315
Nationwide $3,262 $2,689 $2,337
Progressive $3,489 $3,123 $2,920
State Farm $7,646 $3,009 $1,915
Travelers $4,395 $3,933 $3,711
USAA $3,887 $2,311 $1,883

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Cheap Fernley, Nevada Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fernley, Nevada can vary. Compare the annual cost of auto insurance by ZIP code in Fernley, Nevada to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Fernley, Nevada

ZIP Code Average Annual Rates
89408 $3,553

Cheap Fernley, Nevada Auto Insurance Rates By Commute

Commute length and annual mileage affect Fernley, Nevada auto insurance. Find the cheapest annual Fernley, Nevada auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Fernley, Nevada

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,854 $3,854
American Family $3,886 $3,989
Farmers $3,121 $3,121
GEICO $2,909 $3,008
Liberty Mutual $4,825 $4,825
Nationwide $2,763 $2,763
Progressive $3,177 $3,177
State Farm $4,069 $4,311
Travelers $4,013 $4,013
USAA $2,658 $2,730

Cheap Fernley, Nevada Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fernley, Nevada? Check out the comparison of annual Fernley, Nevada auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fernley, Nevada

Insurance Company Low Medium High
Allstate $3,505 $3,897 $4,160
American Family $3,783 $4,163 $3,866
Farmers $2,876 $3,092 $3,394
GEICO $2,652 $2,892 $3,331
Liberty Mutual $4,485 $4,778 $5,211
Nationwide $2,740 $2,758 $2,789
Progressive $2,799 $3,068 $3,665
State Farm $3,870 $4,175 $4,526
Travelers $3,664 $4,031 $4,343
USAA $2,429 $2,671 $2,982

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Best By Category: Cheapest Auto Insurance in Fernley, Nevada

Compare the cheapest auto insurance companies in Fernley, Nevada in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Fernley, Nevada

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Fernley, Nevada Auto Insurance Companies

What auto insurance companies in Fernley, Nevada are the cheapest? Compare the top Fernley, Nevada auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Fernley, Nevada

Insurance Company Average Annual Rates
Allstate $3,854
American Family $3,938
Farmers $3,121
GEICO $2,958
Liberty Mutual $4,825
Nationwide $2,763
Progressive $3,177
State Farm $4,190
Travelers $4,013
USAA $2,694

What affects auto insurance rates in Fernley, Nevada?

There are a lot of reasons why auto insurance rates in Fernley, Nevada are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fernley, Nevada. Many local factors may affect your Fernley auto insurance rates.

Fernley Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fernley, Nevada commute length is 28.0 minutes according to City-Data.

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Compare Fernley, Nevada Auto Insurance Quotes

Before you buy Fernley, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fernley, Nevada auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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