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How much is car insurance in Carson City?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Carson City is about $40 a month cheaper than it is for the rest of Nevada.
Similarly, when compared to the national average, the cost for auto insurance in Carson City is lower. The average monthly payment for the U.S. as a whole is about $22 more expensive than in Carson City.
Although these are the average monthly costs for an auto insurance policy in Carson City, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Carson City and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $33 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Carson City.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Carson City, where male drivers pay about $8 more a month. Based on the chart above, you can see that female drivers pay around $55 on average, while male drivers typically pay $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Carson City with one accident will pay around $82 a month. In addition, drivers with one ticket can expect to pay around $75 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$63|
The cheapest vehicles to insure in Carson City are usually SUVs, with each type typically costing about $57 per month.
Truck and van drivers will see rates of about $64 to insure their car, while SUV owners typically pay around $57 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Carson City are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Carson City, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $5 a month less than drivers who own property in Carson City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Carson City, NV
Recent trends in car insurance for Carson City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Carson City, car insurance rates had been increasing from 2017-2018, when they reached a high of $89. This shifted in 2019, when policy premiums began to decrease. They hit a low of $39 in 2021, and finished up in 2022, at $58 a month.
How does Carson City compare to neighboring areas?
Why are car insurance rates in Carson City different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Regional crime rates
- Community laws
- Road safety
- Amount of drivers in the community
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Carson City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Carson City in no time.
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Carson City Insurance FAQs
What factors affect car insurance quotes in Carson City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Carson City different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Carson City?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Carson City?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Carson City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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