One of the many factors that aid in calculating the amount you pay for auto insurance is where you live in Sun Valley. Cities with larger populations tend to have higher auto insurance costs, whereas areas that tend to be more rural have the benefit of cheaper car insurance.

The next table sorts the most expensive places in Nevada in which to buy car insurance. Sun Valley comes in at #12 with an annual rate of $1,305 for the average policyholder, which is approximately $109 per month.

How much does car insurance cost in Sun Valley, NV?
Rank City Average Per Year
1 Winchester $2,094
2 Sunrise Manor $2,069
3 Spring Valley $2,040
4 Paradise $2,001
5 Las Vegas $1,949
6 Enterprise $1,870
7 North Las Vegas $1,826
8 Henderson $1,767
9 Boulder City $1,541
10 Mesquite $1,351
11 Pahrump $1,337
12 Sun Valley $1,305
13 Sparks $1,265
14 Spanish Springs $1,253
15 Reno $1,244
16 Fernley $1,149
17 Carson City $1,136
18 Dayton $1,130
19 Elko $1,125
20 Gardnerville Ranchos $1,104
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Information shown are approximated as the specific geographic location can change rates noticeably.

Now that we understand where Sun Valley ranks based on price, finding out which company has the lowest-priced auto insurance rates in Sun Valley will take a tad more effort in order to find the best policy. Each insurance company uses a little different formula for establishing rates, so let's look at the rankings for the most affordable auto insurance companies in Sun Valley, NV.

It's important that you understand Sun Valley auto insurance rates are impacted by many factors which can substantially change the price you pay. Simply getting older, marrying your spouse, or getting a driving violation may prompt premium changes that may make certain companies cheaper than others.

Find the Cheapest Car Insurance in Sun Valley

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Travelers may offer some of the lowest car insurance rates in Sun Valley at around $903 a year. Allied, Capital, Oregon Mutual, and Progressive also are some of the lowest-priced Sun Valley, NV car insurance companies.

As shown in the rates above, if you are insured with Oregon Mutual and switched to Travelers, you might achieve an annual premium reduction of about $255. Policyholders with Progressive may save as much as $287 a year, and American Family insureds might cut rates by $315 a year.

It's important to note that these premium estimates are averages across all insureds and vehicles and are not factoring in a specific location in Sun Valley. 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 get car insurance quotes using your own personalized driver profile and vehicle information.

The vehicle model you are buying coverage for is one of the biggest factors that determines whether or not you find low-cost coverage in Sun Valley. Vehicles with lower acceleration and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The list below illustrates coverage rates for some of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Sun Valley, NV
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $961
Toyota Prius $1,042
Dodge Grand Caravan SE $1,052
Ford Escape XLT 2WD $1,064
Ford Explorer Eddie Bauer AWD $1,133
Toyota Tacoma Double Cab 4WD $1,143
Volkswagen Jetta S 2.5 Station Wagon $1,157
Toyota Corolla S $1,166
Jeep Grand Cherokee Limited 4WD $1,190
Kia Optima LX $1,200
Chevrolet Silverado LT Crew Cab 4WD $1,190
Ford F-150 Lariat Crew Cab Platinum 4WD $1,212
Honda Civic GX 4-Dr Sedan $1,224
Hyundai Sonata SE 4-Dr Sedan $1,248
Chevrolet Equinox LT AWD $1,260
Chevrolet Impala LT $1,266
Toyota RAV4 Sport 4WD $1,260
Toyota Camry Hybrid $1,272
Chevrolet Malibu LT $1,286
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,293
Dodge Ram 3500 Crew Cab Laramie 2WD $1,298
Hyundai Elantra Blue 4-Dr Sedan $1,307
Ford Focus SEL 4-Dr Sedan $1,317
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can affect premium rates noticeably.

Looking at the rates, you can assume that makes and models like the Honda CR-V, Toyota Prius, Dodge Grand Caravan, and Ford Escape are likely to be a few of the most budget-friendly vehicles to insure for drivers in Sun Valley.

Discount Sun Valley insurance

Insurers that provide coverage in Sun Valley may also give you price discounts that could lower prices by 35% or more if you meet specific eligibility requirements. Large insurance companies and their offered discounts can be found below.

The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, Nevada state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple vehicle, anti-theft, marriage, claim-free, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on insurance in Sun Valley is 27% or $424.

The illustration below demonstrates how deductibles can raise or lower insurance costs when researching cheap insurance in Sun Valley. The rates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 30-year-old driver could lower their car insurance rates by $332 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $500 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, can cut $704 annually by choosing a larger deductible amount.

When raising deductibles, it will be important to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.