8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Featured in
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated October 30, 2024
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Table of contents
The overall average cost of car insurance in Pahrump is $207 per month, or $2,479 per year. Coverage is expensive in Nevada due to a higher rate of fatal accidents.[1] Even though drivers in Pahrump can expect to pay a little more than the national average, rates in the city are lower than in many other Nevada cities.
Here’s how to compare quotes and find the best deal on car insurance in Pahrump, Nevada.
The average cost of car insurance in Pahrump is $150 per month for liability coverage and $263 per month for full coverage.
COUNTRY Financial, State Farm, and GEICO have the cheapest car insurance rates in Pahrump.
Young drivers pay nearly twice as much as older drivers in Pahrump.
3 of the cheapest car insurance companies in Pahrump
COUNTRY Financial, State Farm, and GEICO are Insurify’s top picks for cheap car insurance companies in Pahrump. As you shop for the most affordable coverage, consider your budget, vehicle, and coverage needs.
For example, one insurer might offer better rates on liability-only coverage for an older car. But a different company might have slightly higher rates but more car insurance coverage options. Here’s a breakdown of some of the cheapest car insurance in Pahrump to start your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
COUNTRY Financial | 8.8 | $55 | $34 | Affordable rates |
State Farm | 9.3 | $81 | $50 | Customer satisfaction |
GEICO | 9.0 | $97 | $60 | Discounts |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordable rates: COUNTRY Financial
User Reviews | 3.5 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $45/mo |
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
Chloe
October 19, 2024
Unaffordable Rates That Increase Monthly
James
October 8, 2024
Insurance Cost
Dayna
September 17, 2024
Goodbye, Country Financial
COUNTRY Financial offers low prices, great service, and solid coverage, making it an excellent pick for budget-conscious drivers. As car insurance rates increase, low-cost coverage from COUNTRY Financial might help Pahrump drivers stretch their money further.
Drivers with coverage from COUNTRY Financial can expect extensive coverage options, including comprehensive coverage, collision coverage, medical payments, and uninsured motorist protection. Various discounts can help decrease your rate even more.
Extensive list of discounts
Local insurance agent provides personalized service
Doesn’t offer rideshare insurance
Gap insurance not available
Best insurer for customer satisfaction: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Jannie
October 29, 2024
Good
Marsha
October 29, 2024
Friendly agents!
Linda
October 29, 2024
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
State Farm is a national auto insurance company that earned the highest J.D. Power customer satisfaction rating in the Southwest region, which includes Nevada.[2]
The coverage options with State Farm are straightforward, and drivers can choose from the following: collision, comprehensive, liability, car rentals and travel expenses, uninsured motorist, medical payments, roadside assistance, and rideshare. Pricing is competitive, and you can contact the company by phone, but it offers fewer discounts compared to other insurers.
Rideshare insurance available
Strong J.D. Power customer satisfaction rating in the Southwest region
Doesn’t offer gap insurance
Can’t get a quote online
Best insurer for discounts: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Herman
October 29, 2024
Excellent
Greg
October 29, 2024
It's Expensive
Robert
October 29, 2024
Unpleasant Experience on Cape Cod
GEICO is transparent about coverage options and available discounts, including the DriveEasy app, through which people can earn lower rates for safe driving. It’s a valuable option if you drive to Las Vegas, Henderson, or Reno regularly, since you can earn streaks for longer drives.
You can also bundle insurance products for lower rates. You can bundle home insurance, renters insurance, life insurance, and business insurance with GEICO auto insurance for a discount. But if you want to work with a local agent, GEICO doesn’t have any agents in Pahrump.
Highly rated mobile app
Various discounts
No local agents in Pahrump
Doesn’t offer gap insurance
How to get the cheapest car insurance in Pahrump
Insurers in Nevada determine rates by considering your ZIP code, vehicle type, driving record, age, and credit score. Even though you can’t change some of those factors, some strategies can help you lower your car insurance costs.
Here’s how to get cheap auto insurance in Pahrump:
Shop for the lowest rate. Different insurers offer different rates. Compare quotes from multiple companies and ask questions before moving forward with coverage. Consider getting quotes from major insurance companies and local companies. A few minutes of additional research might save hundreds of dollars per year.
Improve your credit score. Your credit score affects your car insurance rate. Drivers with higher scores typically have lower car insurance rates, since research indicates that they make fewer claims. You can view your credit report at AnnualCreditReport.com.
Increase your deductible. Changing your collision and comprehensive deductibles to $1,000 can save you money on your premiums.[3] Just make sure you can afford the high deductible in case you file a claim.
Cheapest liability-only car insurance in Pahrump: COUNTRY Financial
Liability-only car insurance is a requirement in Nevada. Drivers must have protection for bodily injury and property damage, which helps cover the costs of vehicle repairs and medical care for the other driver if you cause an accident. This coverage doesn’t pay for any of your expenses.
Drivers in Pahrump pay an average of $150 per month for liability-only coverage.
Here are car insurance companies in Pahrump that offer the most affordable liability coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
COUNTRY Financial | $27 |
State Farm | $39 |
GEICO | $48 |
USAA | $55 |
Allstate | $71 |
Midvale Home & Auto | $105 |
Farmers | $111 |
Nationwide | $114 |
Safeco | $115 |
Mercury | $118 |
Liberty Mutual | $131 |
Sun Coast | $132 |
Travelers | $133 |
American Family | $136 |
Progressive | $141 |
Dairyland | $146 |
Bristol West | $220 |
Cheapest full-coverage car insurance in Pahrump: COUNTRY Financial
Full-coverage car insurance usually includes liability, comprehensive, and collision coverage. These additional coverages pay for car repairs or replacement after a covered claim. Whether you cause an accident, hit an object, or are the victim of theft, a full-coverage policy pays to repair or replace your vehicle.
Full-coverage policies in Pahrump cost an average of $263 per month.
Here are the best insurance companies with the lowest rates for a full-coverage policy in Pahrump.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
COUNTRY Financial | $45 |
State Farm | $65 |
GEICO | $78 |
USAA | $91 |
Allstate | $117 |
Mercury | $125 |
Safeco | $156 |
Midvale Home & Auto | $164 |
Farmers | $183 |
Progressive | $186 |
Nationwide | $188 |
Liberty Mutual | $196 |
Sun Coast | $211 |
Travelers | $218 |
American Family | $224 |
Dairyland | $271 |
Bristol West | $358 |
Cheapest recent rates near Pahrump, Nevada
Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $74/mo for full coverage in Pahrump and other Nevada cities.
*Quotes generated for Insurify users in and around Pahrump, Nevada within the last 10 days. Last updated on October 30, 2024
*Quotes generated for Insurify users in and around Pahrump, Nevada within the last 10 days. Last updated on October 30, 2024
Car insurance requirements in Nevada
Nevada drivers must have liability coverage, including bodily injury and property damage. Insurance companies must offer uninsured/underinsured motorist coverage at liability coverage limits, but drivers don’t have to purchase it.[4]
If you have a lapse in coverage, the state may fine you $250 to $1,750, depending on the length of the lapse and how many lapses are on your record.[5]
Here are Nevada’s minimum car insurance requirements:
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $20,000 per accident |
Even though the state doesn’t mandate additional coverage, you might want to consider the following options to make sure you have enough protection on the road:
Comprehensive coverage
If your car sustains damage due to something other than a collision, comprehensive insurance helps cover the cost of repairs. It includes protection from theft, vandalism, weather events, falling objects, and more.
Collision coverage
Collision insurance covers the cost of repairs for your vehicle when you hit an object or another vehicle, including lamp posts, fences, and poles.
Gap coverage
If you total your new car and the settlement amount is less than what you owe for your auto loan, gap insurance covers the difference.
Glass coverage
Depending on your insurer, you might need an extra policy to cover glass repair for your windshield and windows.
Rental car reimbursement coverage
If you need a rental car while your car is undergoing repairs, this provides a daily amount to cover the costs.
Cheapest car insurance for drivers with an incident
Your driving record documents your history as a driver and includes at-fault accidents, speeding tickets, driving under the influence (DUI) violations, and other incidents. Car insurance companies increase rates when drivers have a violation or other incident because it becomes more risky and costly to insure them. The type of violation affects how much more you pay for insurance.
For example, drivers with a clean driving record pay $150 per month for liability coverage. But after a speeding ticket, that increases to an average of $203 per month. And a more serious violation, like a DUI, increases average rates to $244 per month.
Here are the average auto insurance rates in Pahrump for drivers with different incidents in their driving history.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
COUNTRY Financial | $27 | $35 | $38 | $44 |
State Farm | $39 | $49 | $52 | $64 |
GEICO | $48 | $61 | $65 | $79 |
USAA | $55 | $70 | $74 | $90 |
Allstate | $71 | $90 | $95 | $116 |
Farmers | $111 | $140 | $148 | $182 |
Nationwide | $114 | $146 | $154 | $187 |
Safeco | $115 | $148 | $151 | $188 |
Mercury | $118 | $161 | $169 | $177 |
Liberty Mutual | $131 | $180 | $188 | $214 |
Sun Coast | $132 | $179 | $188 | $214 |
Travelers | $133 | $170 | $180 | $218 |
American Family | $136 | $172 | $182 | $223 |
Progressive | $141 | $179 | $191 | $231 |
Dairyland | $146 | $186 | $195 | $239 |
Bristol West | $220 | $279 | $293 | $360 |
Average cost of car insurance by age
Your age is another factor that influences how much you pay for car insurance. Insurance companies charge young drivers — especially teenagers — the most for coverage because they don’t have as much driving experience.
Car insurance costs become more affordable as drivers age. Senior drivers typically pay the lowest rates, but costs can increase again around age 70 as drivers may develop health-related issues that may affect their driving abilities.[6]
Here’s how driver age affects average car insurance rates in Pahrump.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $395 |
20s | $290 |
30s | $234 |
40s | $216 |
50s | $190 |
60s | $171 |
70s | $190 |
Pahrump car insurance quotes by credit tier
Nevada insurance companies can use drivers’ credit scores to create a credit-based insurance score, which is a factor in determining rates.[7] Insurance companies believe that drivers with good credit are less likely to file claims. Because of that, rates are cheaper for drivers with higher scores. Drivers with poor credit scores, on the other hand, pay more expensive rates.
Here are the average rates in Pahrump based on credit tier.
Rates by Credit Tier
Pahrump car insurance FAQs
If you’re shopping for car insurance in Pahrump, this additional information may help as you research your coverage options.
How much is car insurance in Pahrump?
The average cost of car insurance in Pahrump is $150 per month for liability coverage and $263 per month for full coverage.
Which companies have the cheapest car insurance in Pahrump?
COUNTRY Financial, State Farm, and GEICO are the cheapest car insurance companies in Pahrump, with liability rates of $27, $39, and $48 per month, respectively.
But it’s important to compare rates from multiple companies to find the one that offers you the best rates for the coverage you need. You can also use a quote-comparison website to help you look at multiple quotes at once.
What are the best car insurance companies in Pahrump?
Some of the best car insurance companies in Pahrump are COUNTRY Financial, GEICO, and State Farm. These insurance companies have relatively affordable average rates, strong customer service rates, and plenty of coverage options for drivers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Nevada
Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2021: State by state."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- III. "Understanding your insurance deductibles."
- Nevada Division of Insurance. "Higher minimum vehicle liability requirements."
- Nevada Department of Motor Vehicles. "Insurance."
- III. "Senior driving safety and insurance tips."
- Nevada Division of Insurance. "Credit Scoring FAQs."
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in