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5 Cheapest Car Insurance in Sunrise Manor, Nevada for 2022

The best way to get around Sunrise Manor, Nevada is by car. If you’re driving in Sunrise Manor, you’ll need at least the state minimum of car insurance required by law. If you are looking for cheap car insurance in Sunrise Manor, you have come to the right place. BravoPolicy has analyzed millions of car insurance rates in Sunrise Manor to find the cheapest car insurance companies for a variety of drivers: of different age groups and with different driving records.

Cheapest car insurance companies in Sunrise Manor, Nevada 

For the analysis of the cheapest car insurance companies in Sunrise Manor, Nevada, we get public rate filings of the companies making up the majority of car insurance market share in the city for a full coverage car insurance policy of 50/100/50, which also includes comprehensive and collision coverages.

State Farm has the cheapest car insurance rate in Sunrise Manor, Nevada with the average cost of $82 per month, or $980 per year. Geico offers the second cheapest rate at $109 per month. Below are the 5 cheapest car insurance companies in Sunrise Manor, Nevada and their average rates. 

Companies  Average monthly premiums  Average annual premiums 
State Farm $82 $980
Geico $109 $1,306
Travelers $138 $1,652
State Farm $163 $1,950
Nationwide $181 $2,174

You should keep in mind that car insurance rates are determined individually taking several personal factors into consideration, so these may not be your cheapest rate. It is always important to shop around with a few companies to find the cheapest rate for you.

Average car insurance cost in Sunrise Manor, Nevada 

The average car insurance cost for different coverage limits in Sunrise Manor, Nevada are as follows:

Coverage limits  Average monthly premiums  Average annual premiums 
Minimum coverage $66 $797
50/100/50 $126 $1,516
100/300/100 $136 $1,633

We should note that the average cost of car insurance with 100/300/100 coverage limits in Nevada is about $139 a month.

Cheapest car insurance for minimum coverage in Sunrise Manor, NV

The cheapest average policy quote for minimum coverage in Sunrise Manor is about $542 a year, from Progressive. Here are the 5 cheapest car insurance companies for minimum coverage in Sunrise Manor, NV.

Minimum coverage required in Sunrise Manor NV are as follows:

  • $25,000 for bodily injury or death of one person in any one accident
  • $50,000 for bodily injury or death of two or more persons in any one accident
  • $20,000 for injury to or destruction of property of others in any one accident.
Companies Average monthly premiums Average annual premiums
Progressive $45 $542
Allstate $64 $763
Esurance $64 $763
State Farm $75 $896
Geico $105 $1,261

Cheapest car insurance for full coverage in Sunrise Manor, NV

Geico offers the cheapest rate on full coverage car insurance, with a quote of $953 a year, but depending on your circumstances, Progressive also has competitive rates, at about $1,089 a year, which is still cheaper than the average. 

Below are full coverage limits we used to analyzed the rates below: 

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.
Companies Average monthly premiums Average annual premiums
Geico $79 $953
Progressive $91 $1,089
State Farm $102 $1,225
Allstate $143 $1,720
American Family $154 $1,847

Cheapest car insurance for drivers with a DUI in Sunrise Manor, NV

Having a DUI on your record can raise your premiums by about $1,085 a year. If you have a DUI on your record, try Progressive: they have average quotes of about $2,333 a year for those with a DUI. State Farm is the second cheapest, at about $2,372 a year. 

Companies Average monthly premiums Average annual premiums
Progressive $194 $2,333
State Farm $198 $2,372
Geico $325 $3,898
Allstate $278 $3,334
Travelers $383 $4,598

Cheapest car insurance for drivers with an at-fault accident in Sunrise Manor, NV

Geico and State Farm are both worth a look if you’ve been in one at-fault accident in Sunrise Manor, NV. Geico can offer you a policy for about $1,344 and State Farm rates are about $1,437 a year. 

Companies Average monthly premiums Average annual premiums
Geico $112 $1,344
State Farm $120 $1,437
Progressive $111 $1,334
Esurance $152 $1,820
Allstate $208 $2,491

Cheapest car insurance for drivers with a speeding ticket in Sunrise Manor, NV

Esurance can offer you car insurance after a speeding ticket that’s about 50% cheaper than the average rate. Esurance is about $118 a month or $1,413 a year. Allstate is about $$126 a month, or $1,514 a year—almost $1,000 more. 

Companies Average monthly premiums Average annual premiums
Esurance $118 $1,413
Allstate $126 $1,514
Progressive $136 $1,633
Allstate $142 $1,707
American Family $155 $1,863

Cheapest car insurance for drivers with bad credit in Sunrise Manor, NV

While some states have moved to prohibit insurance companies from using your credit score to set your car insurance rates, Nevada is not one of them. Drivers with poor credit might want to look at either Geico (with an average rate of $121 a month) or Progressive with an average rate of $116 a month.

Companies Average monthly premiums Average annual premiums
Progressive $116 $1,391
Geico $121 $1,448
Esurance $130 $1,561
Allstate $136 $1,627
State Farm $145 $1,741

Cheapest car insurance for 20 years old with good driving record in Sunrise Manor, NV 

The cheapest rate we could find for a 20-year-old driver in Sunrise Manor, NV was State Farm insurance at $117.

Companies Average monthly premiums Average annual premiums
State Farm $117 $1,409
Nationwide $154 $1,847
Travelers $157 $1,886
Geico $167 $2,002
Progressive $172 $2,061

Cheapest car insurance for 30 years old with good driving record in Sunrise Manor, NV

The cheapest rate we could find for a 30-year-old in Sunrise Manor, NV was from Geico at $89 a month.

Companies Average monthly premiums Average annual premiums
Geico $89 $1,064
State Farm $95 $1,141
Nationwide $102 $1,219
Allstate $107 $1,286
Progressive $114 $1,373

Cheapest car insurance for 40 years old with good driving record in Sunrise Manor, NV 

Geico was also cheapest for 40-year-olds in Sunrise Manor, at $66 a month. 

Companies Average monthly premiums Average annual premiums
Geico $66 $795
State Farm $96 $1,158
Nationwide $103 $1,238
Allstate $107 $1,289
Liberty Mutual $119 $1,430

Cheapest car insurance for 50 years old with good driving record in Sunrise Manor, NV 

One of the great things about turning 50 is that your car insurance rates go down. The best rate we could find for a 50-year-old was also from Liberty Mutual, and the average rate is $62 a month.

Companies Average monthly premiums Average annual premiums
Liberty Mutual $62 $743
Nationwide $95 $1,140
Geico $98 $1,181
State Farm $102 $1,221
Allstate $120 $1,445

Cheapest car insurance for 60 years old with good driving record in Sunrise Manor, NV 

If you’re in your 60s, you should consider either State Farm or Nationwide. State Farm can get you a rate of $64 while Nationwide can offer you a quote of $73 a month. 

Companies Average monthly premiums Average annual premiums
State Farm $64 $765
Nationwide $73 $878
Geico $88 $1,054
Allstate $100 $1,199
Liberty Mutual $121 $1,457

What factors impact car insurance cost in Sunrise Manor, NV?

You may be surprised if you call one of these companies and get a dramatically different quote than is listed here. The reason for that is that car insurance rates vary by a number of factors:

  • Age
  • Driving history: one speeding ticket can increase your rates by 24%!
  • Zip code: some zip codes have higher property crime than others
  • Car make and model: some cars are likely to be stolen, and that hot-rod you’ve been eyeing will definitely cost more to insure than an average, run-of-the-mill sedan with good safety features
  • Mileage: the more you drive, the higher your rates. Insurance companies see it as the more time you spend on the road, the more likely it is that you’ll be in an accident
  • Credit history: only California, Massachusetts and Hawaii have dismissed credit history as a factor in car insurance
  • Marital status: married people pay less because statistically, they are in 50% fewer accidents than their single counterparts. 
  • Gender: men pay about 6% less, unless you’re a teenage male, in which case you pay about 14% more than a teenage girl
  • Homeownership: If you are a homeowner, carriers seem to offer you a better rate than renters. 
  • And many more other factors. Each carrier has their own set of factors that they consider in their proprietary underwriting models to provide you with a rate. 

Some of these things you can control, and others you can’t do anything about. 

How to find cheap car insurance in Sunrise Manor, NV? 

The good news is that there are ways to save money on your car insurance, including:

  • Bundle one or more policies, such as your home and auto insurance with the same company. Usually, you can get a 5% o 10% discount, and maybe as much as a 20% discount.
  • If you’re over 55, ask AARP about special rates
  • If you’re a student, you can qualify for the good student discount with a B average or better and save 10%
  • Work to improve your credit score. People with better credit pay less for car insurance. 
  • Ask about pay in full, ETF, auto pay and other discounts. 
  • Drive safely!

Sunrise Manor, Nevada SR-22

An SR-22 is a legal document you need to get if you have a violation like a DUI or multiple traffic violations on your record. You can also be required to have an SR-22 if you get caught driving without insurance or with a suspended license. An SR-22 is not insurance, it’s a form your insurance company files with the state of Nevada to ensure you remain insured. 

If you are not insured already and need an SR-22, you might have to pay a fee and you’ll pay higher rates because of your high-risk driving. Some carriers won’t insure you at all, but some will offer you a policy—at an inflated rate, of course. 

If you already have insurance, you’ll contact your insurance company to request that they file an SR-22 for you. They might refuse to cover you, but you can obtain new insurance. 

What are the minimum car insurance coverage requirements in Sunrise Manor, Nevada? 

You’ll need the minimum car insurance coverage to operate a car in Sunrise Manor, Arizon:

  • $25,000 for bodily injury or death of one person in any one accident
  • $50,000 for bodily injury or death of two or more persons in any one accident
  • $20,000 for injury to or destruction of property of others in any one accident.

What is car insurance full coverage in Sunrise Manor, NV? 

Full coverage car insurance means that you have collision and comprehensive insurance added on to your policy. If you have a loan, the lender will require this coverage. 

Below are the coverages we used to analyze car insurance cost for full coverage in Sunrise Manor, NV: 

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

What does car insurance cover? 

Nevada requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). You need a minimum of $10,000 each to register a car in Nevada. 

However, these limits are the bare minimum. One visit to an emergency department could cost you over $10,000, so higher limits are a good idea. You’ll also want to consider:

Bodily injury liability: Covers medical expenses of another driver or pedestrian when you’re in an at-fault accident. It’s not required in Nevada but going without it can leave you vulnerable to costly lawsuits. 

Property damage liability: Damage to another person’s property. This could be their car, the contents of their car, their fence, their home, or whatever else you manage to hit. At least $10,000 in PDL is required in Nevada, but that amount won’t go very far. 

Uninsured motorist: covers your medical expenses if you’re in an accident with an uninsured driver. 

Underinsured motorist: covers your medical expenses if you’re in an accident with someone who doesn’t have enough liability insurance to cover your medical bills. 

Collision: covers the costs of repairing your own vehicle if you’re in an accident. 

Comprehensive: covers damage to your vehicle due to vandalism, theft, or weather. If you have a loan or a lease, your lender will require both of these coverages. 

Our methodology 

For all profiles in the analysis, BravoPolicy analysts included 5-15 largest insurance companies in each city and state. Wherever available, we included rates from smaller companies as well. 

For each city and each driver profile, we included rates for the selected 10-20 zip codes in the city and averaged for the carrier’s rate in the city of the analysis. 

For the cheapest company overall, the cheapest company for minimum coverage, and the cheapest company for full coverage, we analyzed rates for 30-year-old drivers with good credit. 

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $500 deductible.
  • Comprehensive coverage with a $500 deductible.

We used a 2020 Toyota Camry L for all drivers and assumed 10,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we used the minimum required coverage by law in the state.
  • For drivers with one at-fault crash, we included rates for drivers with one at-fault crash that happened in the past six months.
  • For drivers with a DUI, we included rates for drivers that had a drunken driving violation that happened in the past 6 months 

These are the average rates based on the rates filling of the insurance companies. Your rates will be different. 

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