One of the more important components that are looked at to help calculate the price you pay for insurance is where you live. Areas with high crime rates or more dense population will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The information below rates the priciest cities in Nevada to buy auto insurance in. Pahrump is ranked at #11 with the yearly price of $1,337 for the average insured, which is about $111 per month.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,882|
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Table data uses estimated as vehicle location can change insurance rates substantially.
Seeing where Pahrump ranks compared to other cities, finding dependable, low-cost insurance is not always easy, and figuring out which companies offer the most affordable insurance rates in Pahrump will involve even more work. Each company uses their own method to set their prices, so we'll take a look at the insurance companies with the overall cheapest rates in Pahrump, NV.
Find the Best Cheap Insurance in Pahrump
|Rank||Company||Cost Per Year|
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Allied has some of the cheapest car insurance rates in Pahrump at around $921 a year. This is $653 less than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive would also make the list of some of the lowest-priced Pahrump, NV insurance companies.
As the rates illustrate above, if you currently have a policy with Travelers and switched to Allied, you could realize a yearly savings of upwards of $18. Customers with Capital could save as much as $97 a year, and Oregon Mutual policyholders might reduce rates by $261 a year.
It's important to note that these rates are averages across all drivers and vehicles in Nevada and do not take into consideration a specific zip code in Pahrump. So the insurer that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Are you paying too much for car insurance in Pahrump?
Pahrump insurance rates are based on many factors that can increase the price you have to pay for coverage. Improving your credit score, having a teen driver, or getting a couple of tickets can trigger price changes that can cause some rates to be more affordable than competitors. Not only may things change on your end, but car insurance companies amend premium rates as needed to reflect underwriting profits or losses. An unexpected high level of claims can result in more expensive premiums, while lower claims can produce more affordable Pahrump car insurance rates.
To illustrate this example, the chart below compares the cheapest car insurance in Pahrump, NV for a 40-year-old male driver with no prior accidents, a clean driving record, and solid credit. Based on his personal profile, Allied might offer the most affordable car insurance rates in Pahrump at $1,192 a year. This is $382 less than the average price paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive round out the rest of the top five cheapest Pahrump, NV auto insurance companies.
In this next rate comparison, we will give the driver from the first example a couple of claims, poor credit, and a speeding ticket. Since each auto insurer has a different formula for determining rates in each state, comparing quotes may now present a slightly different list of cheap Pahrump auto insurance companies as shown below.
GEICO now has the lowest price in Pahrump, NV with Travelers, Nationwide, Safeco, and USAA completing the list. This shows why consumers need to take the time to compare lots of rates to get the best car insurance quotes in Pahrump. Prices are determined by many factors and change frequently, so the best price the last time you compared rates may now be quite expensive.
The make and model of vehicle needing coverage is one of the biggest factors when looking for low-cost car insurance in Pahrump. Vehicles with high performance features, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The list below outlines insurance costs for the cheaper automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$1,411|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,457|
|Ford F-150 XL Crew Cab 2WD||$1,464|
|Ford Explorer XLT AWD||$1,457|
|Honda Accord LX 4-Dr Sedan||$1,491|
|Toyota RAV4 2WD||$1,537|
|GMC Sierra SLE Crew Cab 2WD||$1,542|
|Honda CR-V LX 2WD||$1,594|
|Chevrolet Impala LTZ||$1,618|
|Toyota Tacoma X-Runner 2WD||$1,623|
|Toyota Corolla LE||$1,618|
|Nissan Rogue SL 2WD||$1,651|
|Ford Focus SE 4-Dr Sedan||$1,729|
|Volkswagen Jetta 2.0T Station Wagon||$1,742|
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can change prices greatly.
Based upon the rates shown, models like the Ford Escape, Toyota Prius, Jeep Wrangler, and Ford F-150 are most likely going to be the most budget-friendly vehicles to insure for drivers in Pahrump.
Get discount Pahrump auto insurance rates
Insurance providers that offer coverage in Pahrump may have discounts that may potentially lower prices by as much as 30% if you are eligible. A few popular companies and their possible discounts are shown below.
- State Farm discounts include good driver, good student, Drive Safe & Save, multiple policy, and multiple autos.
- American Family has discounts for early bird, good driver, defensive driver, bundled insurance, and accident-free.
- GEICO offers discounts for good student, driver training, five-year accident-free, defensive driver, multi-vehicle, membership and employees, and air bags.
- 21st Century offers premium reductions for automatic seat belts, early bird, driver training, homeowners, and good student.
- Progressive may include discounts for multi-vehicle, good student, continuous coverage, online signing, online quote discount, homeowner, and multi-policy.
The diagram below illustrates the difference between premium costs with and without discounts applied. The information is based on a male driver, no claims or driving violations, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, marriage, defensive driving course, safe-driver, accident-free, and multiple policy discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance in Pahrump is 27% or $446.