Best Cheap Auto Insurance in Gardnerville, NV (2021)

The average Gardnerville, NV auto insurance rates are $300 per month. The minimum auto insurance in Gardnerville is at least 25/50/20 in coverage to comply with Nevada auto insurance laws. To find the best cheap auto insurance in Gardnerville, 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 Daniel Walker

UPDATED: May 4, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The minimum auto insurance required in Gardnerville, Nevada is 25/50/20
  • The cheapest auto insurance company in Gardnerville is USAA
  • The most expensive auto insurance company in Gardnerville for teen drivers is Travelers

Gardnerville, Nevada auto insurance requirements are 25/50/20 according to Nevada auto insurance laws. Finding cheap auto insurance in Gardnerville 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 Gardnerville, Nevada, including driving record, credit, commute time, and more.

Compare auto insurance in Gardnerville to other Nevada cities, including Carson City auto insurance rates, Las Vegas auto insurance rates, and Elko auto insurance rates to see how Gardnerville, Nevada auto insurance rates stack up.

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

Minimum Auto Insurance in Gardnerville, Nevada

Gardnerville, 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 Gardnerville, Nevada.

Minimum Required Auto Insurance Coverage in Gardnerville, 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 Gardnerville, Nevada Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gardnerville, 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 Gardnerville, 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 $2,417 $2,410 $2,227 $2,352 $7,821 $9,410 $2,605 $2,781
American Family $2,382 $2,382 $2,117 $2,117 $8,079 $10,588 $2,382 $2,777
Farmers $2,231 $2,292 $2,031 $2,296 $7,466 $7,972 $2,981 $2,998
GEICO $2,326 $2,246 $2,353 $2,371 $5,737 $5,250 $2,312 $1,979
Liberty Mutual $2,196 $2,366 $2,132 $2,388 $9,488 $10,552 $2,477 $2,608
Nationwide $1,928 $1,973 $1,758 $1,861 $4,660 $5,636 $2,283 $2,434
Progressive $1,649 $1,440 $1,451 $1,442 $7,045 $7,654 $1,929 $1,805
State Farm $2,820 $2,820 $2,550 $2,550 $8,687 $11,071 $3,154 $3,545
Travelers $1,494 $1,515 $1,422 $1,418 $7,672 $12,384 $1,649 $1,843
USAA $1,773 $1,745 $1,688 $1,686 $4,462 $5,035 $2,221 $2,370

Cheap Gardnerville, Nevada Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gardnerville, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,821 $9,410
American Family $8,079 $10,588
Farmers $7,466 $7,972
GEICO $5,737 $5,250
Liberty Mutual $9,488 $10,552
Nationwide $4,660 $5,636
Progressive $7,045 $7,654
State Farm $8,687 $11,071
Travelers $7,672 $12,384
USAA $4,462 $5,035

Cheap Gardnerville, Nevada Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gardnerville, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,227 $2,352
American Family $2,117 $2,117
Farmers $2,031 $2,296
GEICO $2,353 $2,371
Liberty Mutual $2,132 $2,388
Nationwide $1,758 $1,861
Progressive $1,451 $1,442
State Farm $2,550 $2,550
Travelers $1,422 $1,418
USAA $1,688 $1,686

Cheap Gardnerville, 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 Gardnerville, Nevada compared to the annual auto insurance rates with a clean record in Gardnerville, Nevada.

Annual Gardnerville, Nevada Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,400 $3,975 $4,798 $3,839
American Family $3,298 $4,572 $4,920 $3,621
Farmers $3,159 $4,017 $4,160 $3,797
GEICO $2,131 $3,403 $4,135 $2,617
Liberty Mutual $3,139 $4,978 $5,016 $3,970
Nationwide $2,263 $2,906 $3,624 $2,473
Progressive $2,557 $3,482 $3,206 $2,963
State Farm $4,228 $5,071 $4,650 $4,650
Travelers $2,640 $3,916 $4,970 $3,173
USAA $2,020 $2,536 $3,653 $2,281

Cheap Gardnerville, Nevada Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gardnerville, Nevada

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,798
American Family $4,920
Farmers $4,160
GEICO $4,135
Liberty Mutual $5,016
Nationwide $3,624
Progressive $3,206
State Farm $4,650
Travelers $4,970
USAA $3,653

Cheap Gardnerville, Nevada Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gardnerville, Nevada

Insurance Company Poor Fair Good
Allstate $5,113 $3,718 $3,178
American Family $5,089 $3,877 $3,342
Farmers $4,430 $3,565 $3,355
GEICO $3,700 $3,072 $2,443
Liberty Mutual $6,133 $3,751 $2,944
Nationwide $3,327 $2,742 $2,381
Progressive $3,347 $3,000 $2,809
State Farm $8,475 $3,343 $2,131
Travelers $4,023 $3,602 $3,399
USAA $3,777 $2,253 $1,837

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Cheap Gardnerville, Nevada Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gardnerville, Nevada

ZIP Code Average Annual Rates
89460 $3,605

Cheap Gardnerville, Nevada Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gardnerville, Nevada

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,003 $4,003
American Family $4,049 $4,157
Farmers $3,783 $3,783
GEICO $3,021 $3,123
Liberty Mutual $4,276 $4,276
Nationwide $2,817 $2,817
Progressive $3,052 $3,052
State Farm $4,515 $4,784
Travelers $3,675 $3,675
USAA $2,587 $2,657

Cheap Gardnerville, Nevada Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gardnerville, Nevada

Insurance Company Low Medium High
Allstate $3,654 $4,046 $4,309
American Family $3,946 $4,340 $4,022
Farmers $3,410 $3,739 $4,200
GEICO $2,764 $3,006 $3,445
Liberty Mutual $3,964 $4,233 $4,631
Nationwide $2,792 $2,811 $2,847
Progressive $2,725 $2,962 $3,469
State Farm $4,278 $4,631 $5,040
Travelers $3,340 $3,690 $3,995
USAA $2,358 $2,600 $2,909

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Best By Category: Cheapest Auto Insurance in Gardnerville, Nevada

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

Best Annual Auto Insurance Rates by Company in Gardnerville, Nevada

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

The Cheapest Gardnerville, Nevada Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gardnerville, Nevada

Insurance Company Average Annual Rates
Allstate $4,003
American Family $4,103
Farmers $3,783
GEICO $3,072
Liberty Mutual $4,276
Nationwide $2,817
Progressive $3,052
State Farm $4,650
Travelers $3,675
USAA $2,622

What affects auto insurance rates in Gardnerville, Nevada?

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

Gardnerville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gardnerville, Nevada commute length is 18.0 minutes according to City-Data.

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Compare Gardnerville, Nevada Auto Insurance Quotes

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