Best cheap car insurance in Elko


Elko County has 69.288 registered vehicles. Elko is one the smallest cities in Nevada, but interstate 80 gives it the unfortunate distinction of having the third highest number of speeding-related deaths. Elko drivers need a good policy.

Average auto insurance costs in Elko are $529 for minimum coverage and $1655 for comprehensive coverage. This includes collision and comprehensive. Ask for quotes from multiple companies to get the best cheap car insurance.

The best car insurance companies Elko

We looked at the top Elko car insurance companies to find the best. We searched for low premiums, great customer service, financial stability, and a wide range of endorsements or discounts. We were impressed by these five companies.

Insurance companyJ.D. J.D.Minimum coverage: Average annual premiumFor full coverage, the average annual premium
American Family862/1,000$592$1,544
All over the country876/1,000$322$1,210
State Farm881/1,000$324$1,160
USAA890 /1000$424$1,337

American Family

American Family ranks first on J.D. The J.D. Power regional Customer Satisfaction index ranking for Nevada means that your claims should be handled quickly and efficiently. Elko drivers can find all the standard coverage options from AmFam as well as customization options like roadside service or accidental death and dismemberment.

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AmFam’s discounts is one area where it excels. There are many ways to save money on your policy.


Geico, the industry leader, offers the lowest average premium cost of all our options at $306 for minimum coverage and $963 for complete coverage. The company’s promise that it will save you at least $500 in just 15 minutes may appeal to you if saving money is your main goal.

Geico is a good choice for consumer watchdog agencies such as J.D. Power. It also offers a large list of discounts that can help you save money on your premium, if you’re eligible.

All over the country

Nationwide offers Elko drivers competitive rates and some unique discounts. Nationwide values safe driving and offers many savings options for those who are good drivers. If you drive for at least five years without having to file a claim, you will get a slight discount. The SmartRide program can save you up to 10% on your premium rate and you could receive up to 25% savings if the company recognizes that you are a safe driver.

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State Farm

State Farms has more policies than any other carrier in the U.S. There are many reasons why State Farms is so successful. There are many reasons for its success. You have a strong selection of coverage options so you can find the coverage you need.

State Farm agents are known for their excellent customer service. State Farm’s website allows you to manage and file your claims online.


USAA does not sell policies to veterans, military personnel, and eligible family members. However, if you fall within this group, USAA can be a great place to start.

USAA offers a number of unique perks due to its emphasis on military personnel. If you’re deployed and have to store your vehicle, you could save as much as 60% on your car insurance. You can also save more if you park your car at base. You will find the rates competitive and there are a few discounts to keep your rates as low possible.

Elko has the lowest car insurance

Elko’s car insurance rates are $529 for minimum coverage and $1,655 full coverage. These rates are significantly lower than the averages in Nevada, which are $860 to $2,246. Elko rates are closer to the U.S. averages of $565, $1,674 and $860 respectively. Nevada’s rates can be high due to traffic from Reno and Las Vegas. However, Elko has far fewer accidents and congestion.

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These are the five companies that offer the cheapest auto insurance Elko:

Insurance companyMinimum coverage: Average annual premiumFor full coverage, the average annual premium
All over the country$322$1,210
State Farm$324$1,160

Our “best of” list also included four of these five; Progressive was not as well-respected with J.D. Its rank in the National Association of Insurance Commissioners complaint Index is higher that average. However, its low average rates may make it a good choice.

Progressive and the other four picks stand out because of their low premium rates and high discounts. This could mean that your rates are even lower than average.

Elko insurance requirements

Nevada, like most other states in the U.S. requires that drivers have minimum liability insurance. These minimums are commonly written as 25/50/20. This means:

  • $25,000 bodily injury liability: Your insurer will pay for injuries sustained by one person in an accident you caused.
  • Total bodily injury liability of $50,000: If more than one person is hurt, this is the amount your insurer will pay.
  • $20,000 property damage liability: Your insurer will pay for the damage to the car of the other driver or structures like a mailbox or light post that were damaged in an accident.
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You will need collision and comprehensive insurance if you lease or loan your car. This covers your vehicle for any damage that is caused by an accident. To be adequately protected in the case of serious accidents, some people consider raising your liability beyond the minimum.

Elko car insurance discounts

Nearly all the major insurers offer Nevada drivers discounts, and many of these are easy to get. These are some of the most common:

  • You may be eligible for a discount by paying your bill online and covering the entire year in one payment.
  • Seniors: If your age is over 50, and you’re willing to take a defensive driving class, it might help you save money on your premium.
  • Bundling: You will save on your premiums if you buy all of your policies from the same company, whether they are for multiple cars or homeowners insurance.
  • Usage-based: Telematics devices can be fitted in your car to gather real-time data about your driving habits. You could save as much as 20 to 25% if you’re a responsible driver.
  • Good students: A good student can lower your premium if they are a young driver.
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While most discounts fall within the 5–10% range, usage-based discounts may be more. You can make a substantial difference in your premium if you qualify for more than one discount.

Questions frequently asked

Which is the best auto insurance company?

Every person has different needs, so the best car insurance company may not be the right one for you. To find the best policy, it is worth doing some research.

What is the cost of Elko car insurance?

Average car insurance Elko costs $529 for minimum coverage, and $1,655 to get full coverage. Rates will depend on a variety of factors, including your credit rating, marital status, and the age of your car.

What amount of car insurance do you need in Elko

Elko’s minimum required car insurance is 25/50/20. Insurance experts recommend you buy additional liability coverage in order to fully cover your losses in the event of an expensive accident. Optional coverages like collision and comprehensive may be worth considering.