Gardnerville, NV Auto Insurance (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
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.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
What should I do in case of an accident?
In case of an accident in Gardnerville, NV, follow these steps:
- Ensure the safety of everyone involved and call for medical assistance if necessary.
- Contact the police to report the accident.
- Exchange information with the other parties involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and gathering witness information if possible.
- Notify your insurance company about the accident and provide them with all relevant details.
- Cooperate with the claims process and provide any necessary documentation or statements as requested.
Can I cancel my auto insurance policy at any time?
Yes, you can cancel your auto insurance policy at any time. However, it’s important to review the terms and conditions of your policy to understand any potential cancellation fees or penalties. Additionally, it’s wise to have a new insurance policy in place before canceling your current one to avoid any coverage gaps.
What factors can affect my auto insurance premium?
Several factors can influence your auto insurance premium in Gardnerville, NV, including:
- Your driving record and claims history
- Your age, gender, and marital status
- The type of vehicle you drive
- Your credit score
- The coverage limits and deductibles you choose
- Your location (Gardnerville, NV)
- The annual mileage you drive
- Any additional drivers on your policy
- Your previous insurance coverage
What does liability insurance cover?
Liability insurance covers the costs associated with injuries or damages you cause to others in an accident. It includes bodily injury coverage, which pays for medical expenses, lost wages, and other damages suffered by the other party, and property damage coverage, which pays for repairs or replacement of the other party’s damaged property.
Is auto insurance mandatory in Gardnerville, NV?
Yes, auto insurance is mandatory in Gardnerville, NV, as it is in most states. Nevada law requires drivers to carry minimum liability insurance coverage to legally operate a vehicle on public roads. The minimum coverage requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.