Cheap Auto Insurance Quotes in Pahrump, NV (January 2022)

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Last Updated: January 2022

Car Insurance in Pahrump, NV

Car insurance is required by law in Nevada, so drivers in Pahrump need at least state minimum coverage to stay legal on the road. But average car insurance rates for Nevada policies are significantly higher than in the rest of the country. Nevada motorists pay an average of $312 per month, which is 28 percent more expensive than the national average.

Still, it’s possible to find cheap car insurance in Pahrump if you know where to look. With Insurify, you can compare quotes from national companies like GEICO and Travelers along with local insurance providers. Rates are customized based on the information you provide, the insurance discounts you may be eligible for, and the coverage options you choose.

Insurance rates don’t vary only based on your vehicle and the car insurance coverage you choose but also based on your address. Average costs vary from city to city and even from one ZIP code to the next. For example, the traffic in Las Vegas makes it a more expensive city for car insurance than Pahrump. Here’s what you can expect in top cities in Nevada.
$115
$118
$145
$151
$158
Sun CoastAllstateTravelersSafecoMidvale Home & Auto

Cheapest Car Insurance in Pahrump, NV

Some auto insurance companies can offer cheaper insurance products in Pahrump than others. You’ll find the average rates offered by each company below, but it’s also important to get a free quote since your individual rate may vary from the average. You can get a cheap car insurance quote from Insurify for a policy that meets your insurance needs.

Best Car Insurance in Pahrump, NV

Cost is not the only factor to consider when selecting a car insurance provider. You’ll want to make sure the company you choose is financially strong, can offer the auto insurance coverage and insurance discounts you need, has a reliable mobile app, and has satisfied customers.

We evaluated a variety of data to choose the best car insurance companies in Pahrump, so you can compare our results against your individual car insurance quotes. This will help you choose the best and cheapest deal for an insurance policy that meets your needs.

Average Car Insurance Cost

$174
$194
$158
$118
$221
$181
NevadaLas VegasHendersonRenoNorth Las VegasPahrump
Click here to learn about car insurance quotes and save on your current policy.

Pahrump, NV Driving Facts

nevada

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

As drivers age, they gain more experience, and that makes them less risky to insure. Drivers in their 50s see some of the best car insurance rates, while young drivers are considered high-risk by insurance companies. That’s because teen drivers are nearly three times as likely to get into a fatal accident as drivers ages 20 and over. Here’s what you can expect to pay based on your age.
Driving History
No Violation$280
Speeding Ticket$340
At-Fault Accident$366
Failure to Stop for Red Light / Stop SignN/A

Pahrump Car Insurance Rates by Driving and Accident History

Your premiums for your car insurance policy will vary depending on your driving history. If you have infractions on your driving record, such as DUIs, speeding tickets, failures to stop, or at-fault accidents, you’ll pay more for car insurance than drivers with a clean driving record.

Be sure to ask your local agent about usage-based discounts and driving course discounts, which can help offset the high cost of car insurance when you have negative marks on your driving record. Below are the average rates drivers pay based on their driving history.

Pahrump Car Insurance Rates by Credit Tier

In Nevada, like in many other states, insurers use your credit-based insurance score when determining your rate for car insurance and homeowners insurance. The score is based on the information on your credit report. If you have bad credit, you’ll pay more for a car insurance policy. That’s because there’s a correlation between low credit scores and high claims filing.

Pahrump DMV Information

There is a DMV office in Pahrump, but it has limited staff and only serves local customers. It’s a full-service office offering driver’s licenses, ID cards, vehicle registration, vehicle titles, and license plates. The office is open weekdays from 8 a.m. to 5 p.m. and can be reached at 1 (775) 684-4368. The Pahrump DMV is located at:

1780 E Basin Ave, Suite 1
Pahrump, NV 89060

Public Transportation in Pahrump

According to WalkScore, Pahrump is a car-dependent city. Fewer than 1 percent of residents use the Pahrump Valley Public Transit system, while the vast majority drive to get to work. Still, options are available to get around Pahrump or to Las Vegas, North Las Vegas, or Henderson. Service is curb-to-curb and you must call at least 48 hours in advance to schedule your ride.

Local trips are $3, while traveling to Las Vegas or other areas costs $25 round trip. Lyft operates in Pahrump, but this can be an expensive way to get around all the time. Most drivers in Pahrump will need a car insurance policy to be able to run errands and meet their obligations.

How to Get the Cheapest Car Insurance in Pahrump

The easiest way to find the cheapest car insurance in Pahrump is to use Insurify to find customized quotes from multiple insurance providers. You won’t need to deal with an insurance agency or get individual quotes from different insurers’ websites. You’ll just need to answer a few questions about your vehicle and driving history to get started.

After that, our artificial intelligence technology will reveal quotes from big carriers like State Farm Insurance and Allstate Insurance along with smaller local companies. You can toggle between coverage limits and deductible amounts until you find a policy that fits your budget. And you can shop for home insurance and life insurance as well.

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
Chevrolet Silverado
Most Popular Car in
Pahrump, NV
suspended licenses
#8
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 in 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 in 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 in 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 in 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 in 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 do I find cheap car insurance in Pahrump, Nevada?

Use Insurify to grab customized quotes from a variety of insurance providers in Pahrump. It just takes a few minutes, it’s totally free to use, and the average Insurify user saves $585 annually just by switching to a different insurance company.

How much does car insurance cost in Pahrump, Nevada?

The average premium for car insurance in Pahrump is $128 per month. That’s less than the average for the state of Nevada and the nation. And it’s possible to save even more if you compare quotes with Insurify. Once you select a company, you can also ask your insurance agent about discounts you may be eligible for.

What drives up car insurance rates in Pahrump, Nevada?

Young drivers will pay more for car insurance in Pahrump, as will drivers with bad credit and those with infractions on their driving record. Choosing a full-coverage policy with a low deductible will also drive up the cost of car insurance, but it’s generally a wise decision to add comprehensive and collision coverage.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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