Best Car Insurance in Carson City 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Carson City.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 30, 2021Mazda CX-5 GT8970126Progressive$110/mo.$63/mo.
June 10, 2021Chevrolet Equinox LT8970642Progressive$138/mo.$103/mo.
March 4, 2021Hyundai Sonata SE8970123Progressive$225/mo.$191/mo.
Here’s more information about what impacts the insurance rates in your Carson City.

How much does car insurance cost in Carson City?

Car insurance in Carson City, Nevada costs single-car drivers an average of $1,613 annually, or about $134 per month. Compared to the state annual average of $3,024, auto insurance in Carson City is $1,410 lower lower.
Nestled in the foothills of the Sierra Nevadas, Carson City is a paradise for lovers of the outdoors. With easy access to hiking trails, golf courses, and Lake Tahoe’s ski resorts, it’s easy to live an active lifestyle in Nevada’s state capital.
With the limited number of public transportation options in Carson City, you probably need a car in order to explore all that northern Nevada has to offer. But you certainly don’t want excessive car insurance rates to stand in the way.
The car insurance comparison app Jerry is your best bet for finding great insurance rates in Carson City without the usual headaches. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
Here’s what you need to know about car insurance in Carson City.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Carson City$1,975$1,715--$1,658$1,276
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Carson CityNational Average
All Coverage Before Jerry
$1,975$3,223
All Coverage After Jerry
$1,715$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
$1,658$3,423
Full Coverage After Jerry
$1,276$2,486
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Choosing a carrier in Carson City

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
With a wide range of carriers to consider, finding one that offers all the coverage you need at an affordable price shouldn’t be an impossible task.
Some of the most popular picks in Carson City include Capital Insurance Group and State Farm. USAA and Safeco are also great options—but the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Carson City before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$1,964$352Compare Prices
Dairyland$2,700$216Compare Prices
Nationwide$1,764$32Compare Prices
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What kind of car insurance you need in Carson City

In Carson City, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Nevada, drivers are required to carry liability insurance with at least the following coverage levels:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
It’s usually a good idea to purchase more than the minimum required insurance. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Here are some additional coverages that would serve drivers in Carson City well:
FactorRecommended coverageDescription
TrafficCollision insuranceCollision insurance covers damage to your vehicle incurred due to a collision with another vehicle or stationary object.
Weather damageComprehensive insuranceComprehensive insurance covers physical damage to your car, including from severe weather events like flash floods, wildfires, or earthquakes.
Mountain roadsRoadside assistanceIf you get stuck on your way to Lake Tahoe, this coverage will provide towing, tire changes, locksmith services, battery jumpstarts, and more.
Uninsured driversUninsured motorist coverageMore than 10% of drivers in Nevada lack car insurance. Uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry the minimum required coverage.

What determines your car insurance cost in Carson City

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Carson City, you could be paying as much as $91 more per month than an adult driver. These are average rates for Jerry customers in Carson City broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$2,700$198
25-34$1,586$238
35-44$1,658$382
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Carson City with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,975$260
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Where in Carson City you live

It may seem like insurance rates in Carson City should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Carson City, residents of 89701 will have the most expensive car insurance rates, while people who live in 89706 and 89705 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Carson City:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
July 30, 202189701Mazda CX-5 GTNV26Progressive$110/mo.$56/mo.
June 10, 202189706Chevrolet Equinox LTNV42Progressive$138/mo.$103/mo.
March 4, 202189701Hyundai Sonata SENV23Progressive$225/mo.$191/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Carson City so expensive?

A variety of considerations determine baseline car insurance rates in Carson City. Insurance companies often consider the following:
Overall, insurance rates in Carson City are lower than in many other cities in Nevada. But here are some factors that contribute to insurance rates in Carson City.

High crime rates

Carson City has a relatively high crime rate, which makes insurers concerned about theft, vandalism, or other damages to your car. This can hike up your premium.

Weather concerns

Although many residents seek out Carson City for its fairly moderate climate, this city is not immune to weather events like flash floods and wildfires, both of which can cause car damage.
Additionally, Carson City drivers are more likely to get into an accident or suffer car damage while driving through the mountains during winter storms.

Uninsured drivers

When the number of uninsured motorist claims goes up, insurance companies often raise premiums for insured drivers to account for that risk.

How can you save money on car insurance in Carson City?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts are a great way to save money on your car insurance in Carson City. Many providers offer discounts, and you may even be eligible for multiple discounts. Collectively, these can help reduce your premium.
Here are some common discounts available with insurance carriers in Carson City:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Defensive drivingTaking a state-approved defensive driving course lessens your risk as a driver and can result in discounted premiums.
Good studentStudents under the age of 25 who maintain at least a B average can usually find savings on their car insurance policy.
Accident-freeIf you’ve been accident-free for 3 to 5 years, you’re likely eligible for a discount on your policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
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