Deciphering which insurers offer the cheapest insurance rates in Spring Creek requires more time in order to find a policy that fits your budget. Each insurer has a proprietary formula to determine premium rates, so we'll go over the most affordable insurance companies in Spring Creek.

It's a good idea to know that Nevada insurance rates are determined by lots of factors that may substantially change the cost of a policy. Simply having another birthday, filing a claim, or getting a DUI can trigger price changes that can now make some companies cheaper than competitors.

Rankings for the cheapest Nevada auto insurance companies
Rank Company Cost Per Year
1 Allied $911
2 Travelers $912
3 Capital $978
4 Oregon Mutual $1,147
5 Progressive $1,202
6 American Family $1,230
7 GEICO $1,232
8 Nationwide $1,282
9 USAA $1,336
10 Safeco $1,346
11 Farmers $1,482
12 MetLife $1,567
13 Country $1,619
14 State Farm $1,732
15 Mercury $1,825
16 Victoria $2,073
17 Liberty Mutual $2,161
18 Allstate $2,337
19 Bristol West $2,384
20 Encompass $2,710
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Allied offers some of the most affordable car insurance rates in Spring Creek at around $911 a year. This is $663 less than the average policy premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive also rank well as some of the cheaper Spring Creek, NV insurance companies.

As shown in the table above, if you are a policyholder with Travelers and switched to Allied, you might realize a yearly price reduction of in the vicinity of $1. Policyholders with Capital might save as much as $67 a year, and Oregon Mutual insureds might realize rate reductions of up to $236 a year.

Bear in mind that those prices are averaged for all ages of drivers and types of vehicles and do not factor in an exact zip code location in Spring Creek. So the car insurance company that can offer the best rates for your situation may not even be in the top 20 companies in the list above. That's why you need to get rate quotes using your own specific driver information and vehicle.

One of the many criteria that help determine insurance cost is where your car is garaged. Areas with high crime rates or more dense population likely pay more, whereas areas with less crime or weather claims can boast about having cheaper rates.

The table below sorts the most expensive areas in Nevada to buy an auto insurance policy in. Spring Creek makes the list at #22 with an annual rate of $1,092 for the average policy, which is about $91 monthly.

How much does auto insurance cost in Spring Creek?
Rank City Premium Per Year
1 Winchester $2,116
2 Spring Valley $2,040
3 Sunrise Manor $2,029
4 Paradise $1,981
5 North Las Vegas $1,900
6 Las Vegas $1,892
7 Enterprise $1,870
8 Henderson $1,767
9 Boulder City $1,557
10 Mesquite $1,365
11 Pahrump $1,323
12 Sparks $1,304
13 Sun Valley $1,292
14 Reno $1,244
15 Spanish Springs $1,216
16 Gardnerville Ranchos $1,150
17 Fernley $1,149
18 Dayton $1,130
19 Elko $1,125
20 Carson City $1,124
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Premium costs are approximated as the specific area where the vehicle is garaged can modify prices substantially.

The vehicle you are insuring is one of the biggest factors when quoting the most economical insurance in Spring Creek. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than high performance models.

The list below features insurance prices for some of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Spring Creek, NV
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 4WD $720
Honda CR-V LX 4WD $760
Honda Accord LX-P 4-Dr Sedan $768
Toyota Tacoma 2WD $768
Nissan Altima 2.5 S 4-Dr Sedan $827
Hyundai Elantra GLS 4-Dr Sedan $833
Toyota Corolla LE $827
Toyota Prius $839
Volkswagen Jetta SEL 4-Dr Sedan $843
Chevrolet Malibu LTZ $848
GMC Sierra SLT Extended Cab 4WD $843
Ford F-150 Lariat Crew Cab Platinum 2WD $851
Ford Focus S 4-Dr Sedan $873
Ford Edge SE AWD $875
Honda Odyssey EX W/Rear Entertainment $885
Chevrolet Equinox LT AWD $891
Jeep Grand Cherokee Laredo 2WD $898
Chevrolet Silverado LT Extended Cab 4WD $891
Toyota RAV4 2WD $895
Chevrolet Impala LT $905
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Data 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 claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in garaging location in Spring Creek, NV which can impact coverage rates greatly.

Based upon the rates shown, we can expect models like the Ford Escape, Honda CR-V, Honda Accord, Toyota Tacoma, and Nissan Altima are most likely going to be some of the cheaper vehicles to insure for drivers in Spring Creek.

Illustration showing the impact of accidents and violations

A great way to find low auto insurance prices in Spring Creek for drivers in Spring Creek is to be a careful driver and avoid getting tickets or having accidents. The illustration below illustrates how speeding tickets and at-fault accidents influence premium costs for each different age category. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data in the chart shows the average cost of a car insurance policy in Spring Creek per year with no accidents or violations is $1,297. Factor in one speeding ticket and the average cost swells to $1,463, an increase of $166 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance in Spring Creek increases to an average of $3,028. That's an increase of $1,731, or $144 per month, just for not keeping your driving record clean!

Cost of full coverage in Spring Creek

Finding the cheapest auto insurance is the goal of most drivers, and an easy way to find cheaper insurance in Spring Creek is to only buy liability insurance. The example below shows the difference between auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving citations, $250 deductibles, marital status is single, and no other discounts are factored in.

Averaged for all age groups, full coverage on your policy costs an additional $1,621 per year over and above liability coverage. At some point, almost every driver questions if buying full coverage is a waste of money. There is no definitive guideline of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's assume your vehicle's book value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying over $400 annually for full coverage, then it might be time to buy liability only.