Best Paradise, NV Auto Insurance in 2025 (See the Top 10 Companies Here!)

Looking for the best Paradise, NV auto insurance? State Farm leads with rates from $135/mo—compare top picks like Geico and Progressive.

Geico is a solid choice for drivers seeking affordable rates, while Progressive offers customizable budgeting tools for safe drivers.

These companies consistently rank high in customer satisfaction and offer a range of policy customization options to suit different driver needs.

Find the best auto insurance company near you by entering your ZIP code into our free quote tool.

#1 – State Farm: Top Overall Pick

Pros:

• Personalized Local Support: Based on our State Farm auto insurance review, a strong agent network makes State Farm a top contender if you prefer face-to-face service.
• Customer Satisfaction: Known for excellent claims handling and service, making it a reliable choice for the best Paradise, NV auto insurance.
• Safe Driving Rewards: Drive Safe & Save can help reduce your rate, which is great for budget-conscious drivers shopping for the best auto insurance in Paradise, NV.

Cons:

• Higher Rates for Poor Credit: If your credit isn’t perfect, State Farm may not offer what is the cheapest car insurance in Nevada—its premiums tend to be higher than some competitors.
• Limited Tech Tools: Digital-first customers may not find this the best Paradise, NV auto insurance option due to a basic app experience.

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#2 – Geico: Best for Affordable Rates

Pros:

• Low Premiums: Geico often provides some of the best car insurance rates in Paradise, NV, at around $148 per month for full coverage. Read our article entitled “Geico Auto Insurance Review” to know more.
• User-Friendly App: Their mobile tools help make them one of the best auto insurance providers in Paradise, NV, for digital users.
• Generous Discounts: A Wide range of savings opportunities helps Geico stand out among the best auto insurance options in Paradise, NV.

Cons:

• Lacks Local Agents: If you want in-person support, Geico may not be the best match for auto insurance in Paradise, NV.
• Claims Concerns: Some drivers report frustration with post-accident support, which may affect its standing as the best auto insurance provider in Paradise, NV.

#3 – Progressive: Best for Budgeting Tool

Pros:

• Snapshot Savings: This usage-based tool can help safe drivers lower their costs, making Progressive a smart choice for the best auto insurance in Paradise, NV.
• Transparent Pricing: Online quote tools let you compare easily – a top feature among the best auto insurance companies in Paradise, NV. Discover more about transparent pricing at “Progressive Auto Insurance Review.”
• Coverage Flexibility: Ideal for customizing policies to fit any lifestyle, a key trait of the best Paradise, NV auto insurance providers.

Cons:

• Rate Hikes After Claims: Premiums can spike after an accident, which could make it a less attractive option for high-risk drivers in Paradise, NV.
• Below-Average Support: Support experience may vary for car insurance in Paradise, NV, shoppers who prioritize service.

#4 – Allstate: Best for Safe-Driving Discounts

Pros:

• Drivewise® Program: Earn savings for good habits, helping Allstate rank among the best Paradise, NV auto insurance providers for safe drivers.
• Agent Accessibility: Local agents are readily available, which supports its ranking as one of the best auto insurance companies in Paradise, NV.
• Strong Bundling Options: Combine policies for lower rates, making Allstate a practical choice for the best auto insurance in Paradise, NV.

Cons:

• Above-Average Premiums: Pricing may disqualify it from offering the cheapest car insurance in Paradise, NV, if affordability is your top priority.
• Slow Claims Reports: Claims delays can impact its reliability as the best auto insurance provider in Paradise, NV. Learn more at “Allstate Auto Insurance Review.”

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#5 – Farmers: Best for Local Agents

Pros:

• Excellent Agent Network: Face-to-face guidance makes it a go-to for people seeking the best auto insurance in Paradise, NV, with personal service.
• Comprehensive Discounts: As stated in “Farmers Auto Insurance Review,” Farmers’ savings options help position it among the best auto insurance providers in Paradise, NV.
• Policy Customization: Great for unique coverage needs, supporting its spot in the best Paradise, NV auto insurance market.

Cons:

• Expensive for Tech-Savvy Shoppers: Without a strong digital experience, it may not be the best car insurance Paradise NV for modern users.
• Limited Digital Tools: App functionality may lag behind that of other best-in-class auto insurance competitors in Paradise, NV.

#6 – Liberty Mutual: Best for Flexible Payments

Pros:

• Payment Flexibility: Multiple options make Liberty Mutual a solid pick for those needing adaptable billing in the best Paradise, NV auto insurance category.
• Digital Claims Support: Great online experience places it among the best Paradise, NV auto insurance companies for convenience.
• Variety of Add-Ons: Options like gap and roadside assistance enhance its position as a top auto insurance provider in Paradise, NV.

Cons:

• Unpredictable Pricing: Inconsistent pricing may not appeal to those seeking cheap car insurance in Nevada with predictable rates. Know more about unpredictable pricing at “Liberty Mutual Auto Insurance Review.”
• Unclear Discount Eligibility: Confusing discount information may frustrate drivers shopping for the best auto insurance in Paradise, NV.

#7 – Nationwide: Best for Vanishing Deductible

Pros:

• Vanishing Deductible®: Rewards good drivers, helping Nationwide stand out in the best Paradise, NV auto insurance market.
• Multi-Policy Savings: Ideal for bundling, a hallmark of the best auto insurance providers in Paradise, NV. Read our article entitled “Nationwide Auto Insurance Review” to learn more about multi-policy savings.
• Strong financial stability ensures peace of mind, essential in finding the best Paradise, NV auto insurance options.

Cons:

• Limited Agent Access: Fewer agents could be a drawback if you want fast car insurance quotes in Paradise, NV, in person.
• Basic App Features: Underwhelming mobile tools may not meet expectations for the best auto insurance technology in Paradise, NV.

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#8 – American Family: Best for Family Discounts

Pros:

• Teen Driver Discounts: Offers strong family savings, earning it a place among the best auto insurance providers in Paradise, NV, for families.
• Friendly Customer Service: A great reputation with families makes it a top choice for auto insurance in Paradise, NV. Discover more at the American Family auto insurance review.
• Usage-Based Savings: KnowYourDrive rewards safe drivers, making it one of the more affordable auto insurance options in Paradise, NV.

Cons:

• Availability Gaps: May not always offer cheap Nevada car insurance in every zip code, reducing convenience for some drivers.
• Higher Rates for Singles: Families benefit most; single drivers may find better rates in Paradise, NV, and auto insurance elsewhere.

#9 – Travelers: Best for Reliable Claims

Pros:

• Claims Reliability: Strong track record supports its inclusion in the best Paradise, NV auto insurance shortlist.
• Highly Customizable Policies: A wide selection of endorsements makes it a flexible option for auto insurance in Paradise, NV.
• Usage-Based Discounts: IntelliDrive provides savings for careful drivers, helping it rank among the best auto insurance plans in Paradise, NV.

Cons:

• Not the Cheapest: Travelers doesn’t usually rank as cheap auto insurance in Nevada—there may be better deals if cost is your biggest factor.
• Dated User Experience: The app and website could be improved for better user engagement in Paradise, NV, for auto insurance.

#10 – The Hartford: Best for Accident Forgiveness

Pros:

• AARP Member Benefits: Includes perks like accident forgiveness, earning it top marks as the best auto insurance for older drivers in Paradise, NV.
• Senior-Friendly Support: Personalized service gives it an edge as the best auto insurance in Paradise, NV, for retirees.
• High Satisfaction Rates: Positive reviews back up its strong position as one of the best auto insurance companies in Paradise, NV.

Cons:

• Limited to Older Drivers: Younger drivers won’t benefit from these Nevada cheap auto insurance perks, which are designed for AARP members.
• AARP Membership Required: Must be a member to access the top-tier best Paradise, NV auto insurance perks.

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Paradise, NV Auto Insurance | Cheap Car Insurance in Paradise, NV

Nevada auto insurance lists its 15/30/10. Residents shopping for affordable car insurance in Paradise, NV, can find rates that suit their budget.

Allied, Farmers, State Farm, Allstate, and Liberty Mutual are some of the cheapest car insurance companies in Paradise, NV. Allied provides auto insurance in Paradise, NV, with monthly rates of $32.

Our Top 10 Company Picks: Best Paradise, NV Auto Insurance

Given its unincorporated status and extremely close proximity to Las Vegas, Paradise is one of the biggest little cities that most people don’t know about.

In fact, most of the Las Vegas Strip, the University of Nevada – Las Vegas, and Caesars Palace are technically located in Paradise. But until this metropolitan area officially incorporates itself, many of these Paradise hotspots will continue to have a Las Vegas address.

Paradise, NV Auto Insurance Monthly Rates by Provider & Coverage Level

In the market for cheap auto insurance in Paradise, NV? From AutoInsuranceEZ.com, you can find the cheapest insurance policy close to you. In order to obtain free Paradise, NV auto insurance quotes from the best providers right away, key your local ZIP code in the quote box in this posting.

Information About Car Insurance in Paradise

Liability only covers you if the accident is your fault. For other situations, your provider won’t cover damages, so ask yourself, do you need roadside insurance coverage?

Likewise, if you’ve purchased a newer vehicle and are still financing it, your lender may require you to purchase additional insurance, even if you prefer not to.

Minimum Auto Insurance Coverage Requirements in Nevada

The average driver in Nevada is likely paying around $116 per month for their auto insurance policy. But Paradise drivers have the chance to drive legally for as low as $69 a month! If you want to learn how to lower your rate now, just keep reading.

Cheap Auto Insurance Rates Near Me

It looks like Allied and Liberty Mutual are among the top car insurance providers in Paradise, NV, right now. But low Paradise, NV auto insurance rates don’t necessarily correlate to stellar customer service or a user-friendly claims process.

These are all important factors to consider before you switch providers.

Average Monthly Auto Insurance Premiums in Paradise, NV by Provider

Paradise, NV, auto insurance companies evaluate different factors when determining insurance quotes, which include driving experience, ZIP code, credit score or rating, annual mileage, and multiple cars and drivers.

Auto Insurance Discounts From the Top Providers in Paradise, NV

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

Also, keep in mind that affordable auto insurance in Paradise, NV, can vary from one carrier to another. When comparing cheap Paradise auto insurance quotes online, consider coverage details—ask yourself, is full coverage really full?

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Major Factors in Cheap Car Insurance in Paradise, Nevada

There are numerous ways your car insurance rate may be calculated. But not all of it is out of your control; there are steps you can take to impact the discounts you are entitled to obtain. The following are a few of these elements in greater detail:

Your ZIP Code

Your auto insurance rates can vary based on the place you live. Generally, large cities have higher car insurance rates because the larger number of drivers on the road increases the chance of an accident.

Auto Insurance by ZIP Code in Paradise, NV

The total population of Paradise is 223,167, and the average family income is $45,201.

Automotive Accidents

Considering that Paradise is home to nearly a quarter of a million people, the numbers in the chart below may make sense. However, if your provider thinks these numbers are too high, it may automatically inflate your rates.

Fatal Accidents in Paradise, NV

To avoid unexpected costs while your vehicle is in the shop, consider adding car insurance rental reimbursement coverage to your policy. It can help keep you mobile after an accident.

Auto Thefts in Paradise

Automobile theft is a serious problem, specifically in populous cities. If your location and/or vehicle model put you at a higher risk for theft, you may have trouble getting low-cost car insurance.

The full number of stolen vehicles in Paradise can best be reflected in the statistics for Las Vegas as a whole, which totals more than 7,000 stolen vehicles in 2010.

Basic vs. Comprehensive Auto Policy Rates by Top Insurance Companies in Paradise, NV

And if you’d rather not be a theft statistic with no help from your insurance company, make sure you add Comprehensive coverage to your policy.

Average Annual Vehicle Insurance by Credit Score

If you are worried about your credit score, take a close look at the chart below. The lower your credit score, the more it will adversely influence your monthly premiums.

Auto Insurance Monthly Rates in Paradise, NV by Provider & Credit Score

Drivers with excellent credit can enjoy exceptionally low rates, while those with poor credit can end up paying twice as much or more.

Car Insurance Quotes by Age of Driver in Paradise, NV

Trying to insure a young, teenage driver? Well, it will likely be a difficult and expensive endeavor. This is because accident statistics are highest amongst young and inexperienced teenage drivers. 

Auto Insurance Monthly Rates in Paradise, NV by Provider, Age, & Gender

However, good grades can qualify them for a “Good Student” discount, and driver’s Education courses can earn even further discounts.

Your Driving Record

Did you know that some of the best auto insurance companies in Nevada offer a discount called “Accident Forgiveness”? Suppose you have minor violations, such as a speeding ticket or a fender bender, that can tarnish your driving record.

Auto Insurance Monthly Rates in Paradise, NV by Provider & Driving Record

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In that case, you may be able to lower your premiums with such a discount because your company will dismiss at least one violation from future rate calculations.

Your Vehicle

Thinking about covering an extra-expensive vehicle? Keep in mind that you’ll end up paying more in rates each month than for your typical, average vehicle.

Auto Insurance Monthly Rates in Paradise, NV by Vehicle & Coverage Level

Make & Model	Minimum Coverage	Full Coverage
Buick Envision	$85	$162
Chevrolet Trailblazer	$80	$143
Ford Bronco Sport	$82	$162
Honda Passport	$95	$116
Hyundai Venue	$45	$158
Kia Soul	$50	$142
Mazda CX-5	$48	$148
Nissan Kicks	$55	$150
Subaru Crosstrek	$47	$147
Toyota Corolla Cross	$51	$153

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Not only are these automobiles pricier to fix or replace, but you’ll require a much more comprehensive insurance plan, which will yield greater monthly rates.

Minor Factors in Cheap Auto Insurance in Paradise, Nevada

Additionally, Nevada drivers can save by keeping an eye on the following factors:

Your Marital Status

Did you know that married people can have an easier time taking advantage of bundle discounts? That’s right – married partners have the advantage when it comes to this form of savings.

The most popular option is to bundle auto policies, but you can bundle as many as your insurance provider will sell you.

Your Gender

Thankfully, many insurance companies are phasing out the outdated practice of charging drastically different rates based on gender. Some companies still charge a 2-3% difference, but it depends on the provider whether or not male or female drivers are burdened with this extra expense.

Your Driving Distance to Work

Paradise commutes will typically last between 20 and 26 minutes for the average driver. About 71% of commuters will drive their own car or truck by themselves, while 12% will try to carpool with coworkers. Another 8-18% will either walk or take the bus.

If you have your vehicle insured as a business vehicle, be prepared to pay higher premiums. On average, business vehicles cost 10-12% more to insure than those used primarily for work, school, or personal use.

Also, if you’re worried about your yearly mileage, don’t be. Even if you drive above average distances, it shouldn’t increase your premiums by more than 2–3%.

However, some providers may ask additional questions about your driving habits, especially if you’re a new or non-traditional driver. For example, can you get auto insurance without a license?

In some cases, yes, though it may come with restrictions or require listing a primary driver with a valid license.

Your Coverage and Deductibles

Raising your deductible is a great way to save money each month by lowering your premium, conversely. However, be careful – if you raise it, and suddenly find yourself in need of filing a claim, you could be stuck in a difficult position with no vehicle, and an inability to get it fixed.

Education in Paradise, NV

Over 30% of Paradise residents have successfully completed their high school education. Meanwhile, 20% have yet to complete all four years of high school. All businesses covet higher forms of education, including your car insurance company.

Pursuing an advanced degree will likely get you a discount on your premiums! Because Paradise shares a similar geographical area with Las Vegas, all the major universities in Las Vegas are easily accessible to residents of Paradise.

Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.

These, of course, include the University of Nevada, Las Vegas, and the Community College of Southern Nevada. UNLV offers bachelor’s, master’s, and post-graduate degrees in a wide range of subjects, including business, medicine, education, and liberal arts.

CCSN can help prepare you for university transfer or fast-track you towards an associate’s degree. Defining your own financial risk can be extremely difficult or unachievable for the typical insurance client.

For the best rates, maintain good credit, a clean record, continuous coverage, and insure a standard vehicle with anti-theft features.

Jeffrey Manola Licensed Insurance Agent

Insurance providers have an advantage over consumers due to their access to data and experiential knowledge. Uncover specifically what insurance agencies don’t really want you to realize.