With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Fernley drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 28, 2023	Progressive	$94	Gene, 23 Zip: 89408	Audi A4 1.8T Avant Quattro	• State Minimum Liability
September 23, 2023	Dairyland	$147	Zachary, 28 Zip: 89408	Nissan Versa Note S	• State Minimum Liability • Comp / Collision
September 20, 2023	Kemper	$154	Timothy, 22 Zip: 89408	Toyota Corolla L	• State Minimum Liability • Comp / Collision
September 17, 2023	Mercury	$136	Edna, 32 Zip: 89408	RAM 1500 Laramie	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 28, 2023

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How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in Fernley

If you’re a Fernley driver looking for the best auto insurance companies, you’re in the right place. Jerry conducted one of the largest national insurance shopping surveys to find the best providers for Fernley drivers—and we’re ready to share the results!

The study found no single “best” or “cheapest” provider for every Fernley driver, since rates vary so widely from one driver to the next.

State Farm

Allstate

, and

Progressive

dominate the insurance market in Fernley—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.

Take a look at how Fernley drivers ranked major insurance companies below.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Allstate	4.7	3.7	N/A	4.3
Progressive	4.3	3.9	3.6	4.2
Geico	4	3.7	N/A	4
AAA	4	3.7	N/A	4.7
State Farm	3.2	2.7	N/A	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Fernley

All drivers in Fernley must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase

full-coverage auto insurance

for better protection.

Cheap minimum liability insurance quotes in Fernley

Nevada’s minimum car insurance requirements

follow a 25/50/20 pattern. Here’s a breakdown of what every Fernley driver must have:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$20,000

property damage liability

per accident

Progressive

Bradley (23 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Audi A4 1.8T Avant Quattro

$94

per month

Safeco

Rena (33 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Nissan Frontier S

$88

per month

Dairyland

Zachary (28 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Nissan Versa Note S

$147

per month

Kemper

Timothy (22 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Toyota Corolla L

$154

per month

Do you need more than minimum coverage in Fernley?

In Fernley, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.

If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.

Remember,

Nevada's car insurance laws

allow Fernley drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.

Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Fernley.

The bottom line: Drivers in Fernley should consider purchasing liability coverage that exceeds the state minimums—such as 50/100/50 or even 100/300/100—or purchasing a full-coverage policy.

Cheap full coverage car insurance quotes in Fernley

Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Fernley!

If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus

comprehensive

and

collision coverage

Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects

Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object

And if you’re financing or

leasing a car

, your lender will require this.

Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.

While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Fernley for the coverage you want.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$96	Mike, 26 Zip: 89408	Hyundai Sonata GLS
• State Minimum Liability • Comp / Collision	Safeco	$88	Rena, 33 Zip: 89408	Nissan Frontier S
• 100,000/300,000 Liability • Comp / Collision	Mercury	$136	Edna, 32 Zip: 89408	RAM 1500 Laramie
• State Minimum Liability • Comp / Collision	Dairyland	$147	Zachary, 28 Zip: 89408	Nissan Versa Note S
• State Minimum Liability • Comp / Collision	Kemper	$154	Timothy, 22 Zip: 89408	Toyota Corolla L

Last Updated Sep 26, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Fernley

After analyzing scores of insurance providers in Fernley, we have discovered that the average price for minimum liability coverage amounts to be $148 per month or $1,770 per year. Additionally, residents of Fernley can expect to pay an average of $148 per month or $1,770 per year for full coverage insurance.

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Compare car insurance costs in other states

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Car insurance quotes in Fernley by rating factors

Insurance companies in Fernley use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Fernley?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Fernley:

Cheap car insurance quotes in Fernley after driving violations

Driver violation points have a significant impact on car insurance rates

—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure

high-risk drivers

in Fernley. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big violations like a DUI or

reckless driving

Here’s how to find cheap car insurance in Fernley with driving violations on your record.

Cheapest car insurance in Fernley after DUI

In Fernley, you’re subject to

Nevada DUI laws

, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.

If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.

Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.

On average, drivers with a DUI pay 56% more for car insurance than drivers without one.

Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Fernley drivers with major convictions land affordable insurance.

Progressive

Gene (23 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Audi A4 1.8T Avant Quattro

$94

per month

Cheapest car insurance in Fernley after an at-fault accident

A clean driving record is one of the best things a Fernley driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim.

If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.

But it’s not all bad news—work to eliminate the accidents on your record (and

keep a clean driving record

in the meantime) while Jerry helps you find an affordable policy.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$94	Ricardo, 23 Zip: 89408	Audi A4 1.8T Avant Quattro	• State Minimum Liability
Not At Fault	Safeco	$132	Frances, 32 Zip: 89408	RAM 1500 Laramie	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$129	Ricardo, 32 Zip: 89408	RAM 1500 Laramie	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 25, 2023

Cheapest car insurance in Fernley after other driving violations

As a Fernley driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.

If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates in Fernley.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Obey Signal	Dairyland	$147	Bertie, 28 Zip: 89408	Nissan Versa Note S	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Progressive	$102	Frank, 29 Zip: 89408	Honda Accord LXP	• State Minimum Liability
Failure to Obey Signal	Dairyland	$147	Howard, 28 Zip: 89408	Nissan Versa Note S	• State Minimum Liability • Comp / Collision

Last Updated Sep 24, 2023

Cheap car insurance quotes in Fernley by age

In Fernley, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

For teens and seniors in Fernley, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Fernley for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Fernley. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.

If you’re a new driver in Fernley without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash.

Progressive

Rena (23 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Audi A4 1.8T Avant Quattro

$94

per month

Kemper

Timothy (22 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Toyota Corolla L

$154

per month

Dairyland

Andre (20 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Hyundai Sonata Hybrid

$196

per month

Cheapest car insurance in Fernley for senior drivers

On the other end of the spectrum, we have Fernley drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.

GEICO

seems to lead the race for the

best car insurance for seniors

in Fernley, but using a comparison app to check out other quotes is still a good idea.

Progressive

Charlie (67 years old)

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Nissan Rogue S

$125

per month

Cheap car insurance quotes in Fernley based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Viola (23 years old)

Currently Insured

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Audi A4 1.8T Avant Quattro

$94

per month

Safeco

Edgar (33 years old)

Currently Insured

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Nissan Frontier S

$88

per month

Nationwide

Leila (32 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Fernley, NV (Zip Code: 89408)

RAM 1500 Laramie

$129

per month

Mercury

Harry (32 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Fernley, NV (Zip Code: 89408)

RAM 1500 Laramie

$136

per month

Progressive

Gussie (23 years old)

Currently Insured

Coverage

State Minimum

Fernley, NV (Zip Code: 89408)

Audi A4 1.8T Avant Quattro

$94

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

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Great fil for this app and helping me save money!

Aaron

They were affordable and great very personable and reasonable

Audrey

Cheap car insurance quotes in Fernley for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$74	Jerry, 34 Zip: 89408	Ford Focus SE	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$88	Edgar, 33 Zip: 89408	Nissan Frontier S	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$88	Etta, 33 Zip: 89408	Nissan Frontier S	• State Minimum Liability • Comp / Collision
550 - 659	Progressive	$96	Gordon, 26 Zip: 89408	Hyundai Sonata GLS	• State Minimum Liability • Comp / Collision

Last Updated Sep 28, 2023

Cheap car insurance quotes in Fernley for popular cars

The make and model of your car matter a lot to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe a Fernley driver’s car is, the lower the insurance cost will be.

But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.

In Fernley, these are some of the most popular and affordable models to insure:

Honda Accord

Ford F-150

Toyota RAV4

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Fernley

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Fernley?

People living in Fernley pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Fernley costs on average $148 per month of $1,770 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Fernley?

Based on thousands of Fernley drivers Jerry has worked with, car insurance in Fernley costs an average of $148 per month for state-minimum coverage and $148 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Fernley?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Nationwide

, Farmers, and The General receive good ratings from Fernley drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Fernley, Nevada?

The state-minimum car insurance in Fernley, Nevada is as follows:

$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.