One of the many criteria that determine the annual cost of car insurance is where your car is garaged in Fernley. Larger areas tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.

The information below lists the most expensive cities in Nevada in which to buy car insurance. Fernley shows up at #20 with an annual rate of $1,115 for coverage, which is around $93 monthly.

How much is car insurance in Fernley?
Rank City Average Per Year
1 Winchester $2,094
2 Sunrise Manor $2,090
3 Spring Valley $2,060
4 Paradise $2,001
5 North Las Vegas $1,882
6 Las Vegas $1,873
7 Enterprise $1,851
8 Henderson $1,749
9 Boulder City $1,541
10 Pahrump $1,377
11 Mesquite $1,311
12 Sparks $1,278
13 Reno $1,256
14 Sun Valley $1,253
15 Spanish Springs $1,229
16 Gardnerville Ranchos $1,150
17 Dayton $1,141
18 Carson City $1,136
19 Spring Creek $1,125
20 Fernley $1,115
Find the Best Rates Go

Rate information is estimated as specific Fernley garaging address can alter auto insurance rates significantly.

Since we know where Fernley ranks for car insurance prices, deciphering which insurers offer the cheapest insurance rates in Fernley will require a little more sweat in order to find the best price. Each insurer used slightly different criteria for setting rates, so we'll take a look at the insurance companies with the overall best prices in Fernley, NV.

Keep in mind that Nevada insurance rates are impacted by many things that may substantially change the cost of a policy. Simply having another birthday, buying higher coverage limits, or getting into an accident can trigger changes in premium that can cause some rates to be cheaper in comparison to the competition.

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Nevada auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $903
2 Allied $939
3 Capital $1,008
4 Oregon Mutual $1,147
5 American Family $1,182
6 Progressive $1,190
7 GEICO $1,269
8 Nationwide $1,321
9 USAA $1,323
10 Safeco $1,360
11 Farmers $1,496
12 MetLife $1,583
13 Country $1,619
14 State Farm $1,698
15 Mercury $1,825
16 Victoria $2,011
17 Liberty Mutual $2,183
18 Bristol West $2,313
19 Allstate $2,385
20 Encompass $2,604
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Travelers generally has some of the best car insurance rates in Fernley at around $903 each year. This is $671 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family would also make the list of some of the lowest-priced Fernley, NV auto insurance companies.

In the rate table above, if you currently have coverage with Oregon Mutual and switched to Travelers, you might see a yearly savings of in the neighborhood of $244. Policyholders with American Family might save as much as $279 a year, and Progressive insureds might lower prices by up to $287 a year.

Bear in mind that those rates are averages for all drivers and vehicles in Nevada and and are not figured with a specific zip code in Fernley. So the company that is best for you may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own individual information.

The vehicle model requiring insurance is a significant factor that determines if you can find the cheapest insurance in Fernley. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer models.

The next list estimates car insurance premiums for some of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Fernley, NV
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $974
Toyota Prius $986
Honda CR-V EX-L 4WD $997
Honda Accord EX 4-Dr Sedan $1,006
Chevrolet Impala LS $1,035
Ford Focus SE 4-Dr Sedan $1,041
Ford Escape Limited 4WD $1,061
Toyota Tacoma Double Cab 4WD $1,074
Ford F-150 XL Regular Cab 4WD $1,088
Ford Explorer XLT 4WD $1,096
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,108
Ford Edge Sport 2WD $1,112
Honda Odyssey EX W/Rear Entertainment $1,129
Honda Civic Hybrid 4-Dr Sedan $1,131
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,137
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can increase or decrease rates significantly.

By looking at the data, you can expect vehicles like the Hyundai Elantra, Toyota Prius, Honda CR-V, and Honda Accord are most likely to be some of the cheaper vehicles to insure for drivers in Fernley.

Liability only or full coverage

Saving on car insurance is the goal of the majority of drivers, and an easy way to lower the cost of insurance in Fernley is to only pay for liability coverage. The diagram below compares auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

As an overall average, comp and collision coverage costs $1,621 per year more than insuring for liability only. Many drivers will wonder when is the right time to remove full coverage. There is no exact formula to delete physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you haven't paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Get discount Fernley insurance

Insurance companies that provide policies in Fernley may have discounts that could potentially reduce rates by as much as 25% or more if you qualify. The best car insurance companies and a partial list of their discounts are shown below.

The information below visualizes the comparison of insurance prices with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, safe-driver, marriage, multiple policy, vehicle safety, and homeowner discounts applied. When discounts are factored in, theaverage amount saved on car insurance in Fernley is 27% or $446.

The information below demonstrates how choosing different deductibles can change insurance prices when searching for cheap insurance in Fernley. The data is based on a married male driver, full coverage, and no policy discounts are applied.

The data above shows that a 30-year-old driver could lower their car insurance rates by $320 a year by changing from a $100 deductible to a $500 deductible, or save $482 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, can cut as much as $978 each year by using a higher deductible.

When choosing a higher deductible, it's a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense associated with higher deductibles.