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Cheapest car insurance in Sun Valley, Nevada (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Sun Valley, Nevada.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Sun Valley

With plenty of
car insurance
companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to
shop around
and compare
car insurance quotes
before committing to a policy so you can guarantee you’re not overpaying.
With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Sun Valley drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$155
Edith, 57
Zip: 89433
Mazda 3 Sport
• State Minimum Liability
• Comp / Collision
Nationwide
$109
Ida, 37
Zip: 89433
Chevrolet Trailblazer
• State Minimum Liability
• Comp / Collision
Safeco
$180
Zachary, 25
Zip: 89433
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
Bristol West
$207
Isabel, 46
Zip: 89433
Chevrolet Silverado C1500
• State Minimum Liability
Dairyland
$93
Nellie, 44
Zip: 89433
Chevrolet GMT-400 C1500
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Best car insurance companies in Sun Valley

If you’re a Sun Valley 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 Sun Valley drivers—and we’re ready to share the results!
The study found no single “best” or “cheapest” provider for every Sun Valley driver, since rates vary so widely from one driver to the next.
State Farm
,
Allstate
, and
Progressive
dominate the insurance market in Sun Valley—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.
Take a look at how Sun Valley drivers ranked major insurance companies below.
Insurance companyOverall ratingPriceClaims experienceCustomer 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
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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 Sun Valley

All drivers in Sun Valley 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 Sun Valley

Nevada’s minimum car insurance requirements
follow a 25/50/20 pattern. Here’s a breakdown of what every Sun Valley driver must have: 
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Zachary (25 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$180
per month
card cover
Ida (37 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$109
per month
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Jean (57 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
carMazda 3 Sport
$115
per month
card cover
Nellie (44 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
carChevrolet GMT-400 C1500
$93
per month

Do you need more than minimum coverage in Sun Valley?

In Sun Valley, 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 Sun Valley 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 Sun Valley.
The bottom line: Drivers in Sun Valley should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.

Cheap full coverage car insurance quotes in Sun Valley

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 Sun Valley!
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 Sun Valley for the coverage you want.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$155
Edith, 57
Zip: 89433
Mazda 3 Sport
• State Minimum Liability
• Comp / Collision
Safeco
$180
Zachary, 25
Zip: 89433
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$264
Leila, 28
Zip: 89433
Hyundai Santa FE Sport
• State Minimum Liability
• Comp / Collision
Dairyland
$137
Rachel, 59
Zip: 89433
GMC Yukon
coverageLast Updated Apr 15, 2024
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.
Lower my car insurance too!

Average cost of car insurance in Sun Valley

After analyzing scores of insurance providers in Sun Valley, we have discovered that the average price for minimum liability coverage amounts to be $88 per month or $1,060 per year. Additionally, residents of Sun Valley can expect to pay an average of $150 per month or $1,800 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.

Car insurance quotes in Sun Valley by rating factors 

Insurance companies in Sun Valley 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 Sun Valley?

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

Cheap car insurance quotes in Sun Valley 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 Sun Valley. 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 Sun Valley with driving violations on your record.

Cheapest car insurance in Sun Valley after DUI

In Sun Valley, 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 Sun Valley drivers with major convictions land affordable insurance.
card cover
Max (36 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$207
per month

Cheapest car insurance in Sun Valley after an at-fault accident

A clean driving record is one of the best things a Sun Valley 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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$178
Amanda, 47
Zip: 89433
Chevrolet Trailblazer RS
• State Minimum Liability
• Comp / Collision
Not At Fault
Mercury
$264
Seth, 28
Zip: 89433
Hyundai Santa FE Sport
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Bristol West
$207
Max, 46
Zip: 89433
Chevrolet Silverado C1500
• State Minimum Liability
coverageLast Updated Apr 10, 2024

Cheapest car insurance in Sun Valley after other driving violations

As a Sun Valley 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 Sun Valley.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Allstate
$79
Sylvia, 45
Zip: 89433
Fiat 500
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Progressive
$56
Elizabeth, 43
Zip: 89433
Oldsmobile Bravada
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Cheap car insurance quotes in Sun Valley by age

In Sun Valley, 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 Sun Valley, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Sun Valley for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Sun Valley. 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 Sun Valley 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. 
card cover
Cora (24 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$172
per month
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Minerva (19 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
carChevrolet Lumina
$165
per month

Cheapest car insurance in Sun Valley for senior drivers

On the other end of the spectrum, we have Sun Valley 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 Sun Valley, but using a comparison app to check out other quotes is still a good idea.
card cover
Cecelia (73 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSun Valley, NV
(Zip Code: 89433)
$84
per month
card cover
Genevieve (71 years old)
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$63
per month

Cheap car insurance quotes in Sun Valley 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:
card cover
Lizzie (57 years old)
Currently Insured
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
carMazda 3 Sport
$155
per month
card cover
Bettie (25 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$180
per month
card cover
Harold (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
$109
per month
card cover
Catherine (53 years old)
Currently Insured
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
carDodge Dakota Quad
$62
per month
card cover
Lula (46 years old)
Currently Insured
coverageCoverage
State Minimum
locationSun Valley, NV
(Zip Code: 89433)
carChevrolet Silverado C1500
$207
per month

Cheap car insurance quotes in Sun Valley 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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$155
Inez, 57
Zip: 89433
Mazda 3 Sport
• State Minimum Liability
• Comp / Collision
< 550
Dairyland
$165
Wayne, 19
Zip: 89433
Chevrolet Lumina
• State Minimum Liability
coverageLast Updated Apr 15, 2024

How to lower car insurance costs in Sun Valley

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! 

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: Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
  • 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.

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.

FAQ

People living in Sun Valley pay on average $88 per month – or $1,060 per year – on state-minimum liability coverage. Full coverage in Sun Valley costs on average $150 per month or $1,800 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.
Based on thousands of Sun Valley drivers Jerry has worked with, car insurance in Sun Valley costs an average of $74 per month for state-minimum coverage and $166 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!
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 Sun Valley 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.
The state-minimum car insurance in Sun Valley, 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

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
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.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.