Finding decent, reasonably-priced auto insurance is not easy, and deciding which companies offer the best auto insurance rates in Enterprise requires additional perseverance.

Every insurance company uses a little different formula for determining prices, so let's begin by examining the most budget-friendly auto insurance companies in Enterprise. It's important to know that Enterprise, NV auto insurance rates are impacted by many things that may substantially change the policy premium. Getting older, buying a different vehicle, or getting a speeding ticket may cause policy rate changes resulting in some companies being less affordable than competitors.

Rankings for the cheapest Nevada auto insurance companies
Rank Company Cost Per Year
1 Travelers $912
2 Allied $949
3 Capital $978
4 Oregon Mutual $1,158
5 American Family $1,194
6 Progressive $1,238
7 GEICO $1,256
8 USAA $1,284
9 Safeco $1,306
10 Nationwide $1,334
11 Farmers $1,482
12 MetLife $1,583
13 Country $1,651
14 State Farm $1,749
15 Mercury $1,753
16 Victoria $2,031
17 Liberty Mutual $2,183
18 Bristol West $2,407
19 Allstate $2,408
20 Encompass $2,710
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Travelers may have some of the lowest car insurance rates in Enterprise at around $912 each year. Allied, Capital, Oregon Mutual, and American Family would also be considered some of the cheapest Enterprise, NV auto insurance companies.

As shown in the rates above, if you are insured with Oregon Mutual and switched to Allied, you may see an annual premium reduction of approximately $209. Insureds with American Family could save as much as $245 a year, and Progressive customers might cut rates by $289 a year.

Understand that those estimates are averages for all ages of drivers and types of vehicles and and are not calculated with a specific location in Enterprise. So the company that can offer you the lowest price may not even be in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

For drivers in Enterprise, one of the big factors that are looked at to determine the amount you pay each year for auto insurance is your zip code. Areas with more people or higher crime rates tend to pay more, whereas less populated areas have the enjoyment of a little cheaper coverage.

The next table rates the most expensive areas in Nevada to buy an auto insurance policy in. Enterprise is ranked at #6 having an annual price of $1,908 for the average policyholder, which is around $159 each month.

How much does car insurance cost in Enterprise, NV?
Rank City Annual Rate
1 Winchester $2,180
2 Sunrise Manor $2,029
3 Paradise $2,001
4 Spring Valley $1,980
5 Las Vegas $1,949
6 Enterprise $1,908
7 North Las Vegas $1,826
8 Henderson $1,715
9 Boulder City $1,495
10 Mesquite $1,365
11 Pahrump $1,364
12 Sparks $1,304
13 Sun Valley $1,292
14 Spanish Springs $1,266
15 Reno $1,256
16 Gardnerville Ranchos $1,138
17 Spring Creek $1,125
18 Carson City $1,124
19 Fallon $1,108
20 Fernley $1,103
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Rate quotes are comparative as specific Enterprise garaging address can influence prices substantially.

The make and model of vehicle driven is one of the main factors that determines the availability of cheaper car insurance in Enterprise. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models. The list below ranks insurance costs for the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Enterprise, NV
Make and Model Estimated Cost for Full Coverage
Toyota Prius $2,705
Ford Escape XLT 2WD $2,801
Ford Edge SE AWD $2,836
Toyota RAV4 Sport 4WD $2,893
Dodge Grand Caravan Crew $2,946
Ford Focus SEL 4-Dr Sedan $2,989
Honda Odyssey EX-L $3,046
Honda CR-V EX 4WD $3,071
Jeep Grand Cherokee Limited 4WD $3,099
Hyundai Sonata GLS 4-Dr Sedan $3,102
Nissan Rogue SL 2WD $3,112
Ford Explorer XLT 4WD $3,145
Hyundai Elantra SE Touring Station Wagon $3,259
Ford F-150 STX Super Cab 2WD $3,291
Ford Fusion Sport AWD 4-Dr Sedan $3,305
Nissan Altima 2.5 S 2-Dr Coupe $3,308
Volkswagen Jetta LE 4-Dr Sedan $3,319
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location which can increase or decrease premiums significantly.

Based on these rates, you can see that cars like the Toyota Prius, Ford Escape, and Ford Edge are likely to be some of the cheapest vehicles to insure for drivers in Enterprise.

Do you need full coverage?

Lowering the price of insurance is probably important to most drivers, and one good way to save on the cost of insurance in Enterprise is to only buy liability insurance. The chart below visualizes the comparison of insurance prices with full coverage and liability only. Data assumes no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

If we average the cost for all age groups, full coverage costs an extra $1,297 per year more than just insuring for liability. That is a large expense which might make you wonder if you should buy full coverage at all. There is no definitive rule to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are a few cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

How to find the cheapest car insurance in Enterprise

The list below summarizes some of the recommended thrifty solutions that can help drivers find more affordable coverage.

That last piece of advice is notably critical, as we emphasized in this article. Insurance prices adjust often, so drivers shouldn't be reluctant to switch carriers if a cheaper rate is available. We understand brand loyalty, but it's not a great idea if that devotion results in you overpaying lots of money. In just a couple of minutes you could shop around to find cheaper insurance in Enterprise.