Cheap Auto Insurance Quotes in Pahrump, NV (2021)

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Residents of Pahrump are dependent on their cars for almost all errands, and more than 91 percent of workers commute by car. To stay safe and legal on the road, drivers in Pahrump will need an auto insurance policy.

Car Insurance in Pahrump, NV

The average cost of Nevada car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Pahrump, NV to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
State FarmAllstateNationwideThe General
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Cheapest Car Insurance in Pahrump, NV

Here are the cheapest carriers in Pahrump for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
NevadaLas VegasHendersonRenoNorth Las VegasPahrump
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Pahrump, NV Driving Facts


Minimum Car Insurance Requirements in NV

All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.

  • $20,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Pahrump Car Insurance Rates by Driver Age

Motorists in their 50s with a combination of experience behind the wheel and the ability to react quickly tend to pay the least for car insurance in Pahrump, at an average rate of $149. As residents age, their premiums do go up slightly, but they still don’t pay as much as younger drivers. Those under 20 are charged the most, at $540, and while turning 20 does save some money, the average for this group is still $358.

Driving History
No Violation$181
Speeding Ticket$203
At-Fault Accident$282
Failure to Stop for Red Light / Stop Sign$266

Pahrump Car Insurance Rates by Driving and Accident History

Individuals with clean driving records in Pahrump get to enjoy low car insurance rates that average around $180, while even one blemish on your driving record can cause prices to soar. A speeding ticket tacks on around $23 to premiums, while failing to stop at an intersection brings rates to $265. Involvement in an at-fault car accident proves to be the most costly, with prices averaging at a full $100 more than those with a good driving history.

Pahrump Car Insurance Rates by Credit Tier

Unlike other cities, your credit score doesn’t seem to play a huge role in car insurance rates in Pahrump. Surprisingly, individuals with poor credit tend to pay the least, at an average of $177, while those who fall into the average tier are charged $190. Boosting your credit to the good category sees prices jump up to $265, and if you have excellent credit, you’ll likely pay an average of $192 for your car insurance coverage.

Pahrump, NV DMV Information

There’s a full-service Nevada Department of Motor Vehicles located in Pahrump, so you won’t need to go far to get your driver’s license or registration renewed. You’ll need to bring proof of insurance to the Pahrump DMV. The Nevada LIVE program will instantly verify your coverage as part of the registration process. Luckily, it’s easy to get auto coverage online. You can use Insurify to compare rates across car insurance providers and apply for an affordable policy.

Public Transportation in Pahrump, NV

The city began funding bus service a few years ago, so a few buses and vans provide options for public transportation, but less than 0.5 percent of workers use the system to commute. About 81 percent of workers drive alone to work and an additional 11 percent carpool, commuting an average of 27 minutes to get there. There is taxi service and Lyft in Pahrump, but both are costly ways to get around. As such, the average household has two cars.

Conclusion: How to get the best and cheapest car insurance in Pahrump, NV

It’s a misdemeanor to drive without car insurance in Pahrump, and if you’re caught by law enforcement, you could face steep fines. But that’s nothing compared to how an accident could devastate your finances.

If you drive a car in Pahrump, you’ll need an insurance policy. Luckily, it’s easy to find an affordable premium with Insurify. You’ll just need to enter some information one time, and you’ll be able to see quotes from multiple insurers for different types of coverage. You’re sure to find a policy that fits your needs and your budget.

Find local Pahrump agents

Advance Insurance & Benefits, Nv.
1231 E Basin Ave Suite #6, Pahrump, NV 89060
American Family Insurance - Jesse McCullough Agency
1141 NV-160 #3, Pahrump, NV 89048
Kathryn Weill: Allstate Insurance
150 NV-160 Ste 5, Pahrump, NV 89048
Plus One Insurance
3340 s, NV-160 Suite 304, Pahrump, NV 89048
Brian Strain - State Farm® Insurance Agent
50 NV-160, Pahrump, NV 89048
Kathryn Weill: Allstate Insurance
150 NV-160 Ste 5, Pahrump, NV 89048
Shelter Insurance - Lloyd Peugh
361 S Frontage Rd Ste 2, Pahrump, NV 89048
Pahrump Valley Insurance
191 S Frontage Rd # 2, Pahrump, NV 89048
Joe Sladek II - State Farm Insurance Agent
3250 NV-160, Pahrump, NV 89048
Farmers Insurance - Chad Goins
1401 NV-160 c, Pahrump, NV 89048

Insurify Insights: How Pahrump Drivers Measure Up

Chevrolet Silverado
Most Popular Car in
Pahrump, NV
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Pahrump drivers measure up to their fellow Nevada motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Pahrump

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Pahrump drivers rank 7 in the number of car accidents per driver across all cities in Nevada.

  • Rank within state: #7
  • Percent of drivers in Pahrump with an accident: 4.36%
  • Drivers in Pahrump, NV with an accident in their driving history paid on average 34.08% more than drivers with a clean record

Speeding Pahrump

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nevada, Pahrump drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Pahrump with a speeding ticket: 4.84%
  • Drivers in Pahrump, NV with a speeding ticket in their driving history paid on average 26.82% more than drivers with a clean record

DUI/DWIs Pahrump

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pahrump drivers rank 5 in the number of DUI’s per driver across all cities in Nevada.

  • Rank within state: #5
  • Percent of drivers in Pahrump with a DUI: 1.45%
  • Drivers in Pahrump, NV with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Pahrump

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Pahrump is the Chevrolet Silverado.

Hybrid/Electric Vehicle Ownership Pahrump

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Pahrump drivers rank 7 in hybrid and electric vehicle ownership across all cities in Nevada.

  • Rank within state: #7
  • Percent of drivers in Pahrump with a hybrid/electric vehicle: 0.32%

FAQs - Pahrump, NV Car Insurance

How much does car insurance in Pahrump cost?

Car insurance in Pahrump is relatively affordable. The average premium is just $128 per month, which is less than the state and national averages. And some providers offer lower rates for drivers with a clean record.

Will my credit score affect my premium in Pahrump?

Yes. Drivers in Nevada with no credit will pay an average of 42 percent more for car insurance than those with excellent credit. But every insurer uses credit information differently, and some don’t rely on it at all when determining your premium. That’s why it’s important to use a tool like Insurify to compare quotes across multiple insurance providers.

How much coverage should I buy for my car in Pahrump?

You’ll need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $20,000 in property damage liability coverage, to drive legally in the state of Nevada. Given that nearly 11 percent of drivers go without insurance in Nevada, you may also want to purchase uninsured motorist coverage. And if you have a loan or a lease or want to protect your finances in the event of any accident, you’ll need comprehensive coverage.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.