Cheap Auto Insurance Quotes in Pahrump, NV (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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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, 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Pahrump stacks up for the state of Nevada:

Most Patriotic City

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Pahrump won Insurify's Most Patriotic Cities Award for the state of Nevada. Despite this designation, Pahrump is still technically an unincorporated community.

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.