Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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

Given its unincorporated status and extremely close proximity to Las Vegas, Paradise is one of the biggest little cities which 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 hot spots will continue to host a Las Vegas address.

  • Fun fact: single ladies, be on the lookout, because Paradise is #9 on the list of “Top 100 cities with the largest percentage of males (pop. 50,000+)”. Learn more about Paradise by visiting here.

Auto Insurance Coverage Requirements in Nevada

Driving legally in Paradise requires:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required50,000/30,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

Remember: Liability only covers you if the accident was deemed your fault. Any other incident, and your insurance provider won’t pay out any claims. Likewise, if you purchased a newer vehicle and you are still financing it, you lender might require you to purchase additional insurance coverage, even if you’d rather not.

Your average driver in Nevada is probably paying around $116 monthly for their auto insurance policy right now. But Paradise drivers have the chance to drive legally for as low as $69/mo*! If you want to learn now to lower your rate, just keep reading.

Average Monthly Auto Insurance Premiums Legend: Paradise Allied Farmers State Farm Allstate Liberty Mutual 10 20 30 40 50 60 70 80 90 $32 $73 $78 $90 $69

It looks like Allied and Liberty Mutual are offering some of the lowest rates in Paradise right now. But low 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.

Auto insurance providers evaluate different factors when establishing insurance quotes, which includes driving experience, zip code, credit score/rating, miles driven each year, and multiple cars and drivers. Also keep in mind that premiums could vary from carrier to carrier. To make sure you are still paying the most affordable premium, assess cheap Paradise auto insurance price quotes online.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Major Car Insurance Factors in Paradise

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 in order to impact what 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 possess higher car insurance rates as the extra number of drivers on the road raises the chance of an accident! The total population of Paradise amounts to 223,167 and the general family earnings are $45,201.

Auto Insurance by Zip Code Legend: Las Vegas North Las Vegas Reno Henderson Paradise Allied Farmers State Farm Allstate Liberty Mutual 10 20 30 40 50 60 70 80 90 $38 $30 $24 $34 $32 $80 $73 $42 $62 $73 $90 $74 $34 $78 $78 $94 $88 $51 $74 $90 $94 $69 $49 $83 $69


Automotive Accidents

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

Fatal Accidents in Paradise, NV Legend: Paradise Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 10 15 1 10 19 3


Auto Thefts in Paradise

Automobile theft is a serious problem, specifically in populous cities. If your location and/or vehicle model place you at a higher risk for theft, you might have issues acquiring low-cost car insurance. The full number of stolen vehicles in Paradise can best be reflected by the statistics for Las Vegas as a whole, which amounts to a grand total of more than 7,000 stolen vehicles during 2010. 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.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage comprehensive coverage Allied Farmers State Farm Allstate Liberty Mutual 20 40 60 80 100 120 140 160 $32 $69 $73 $147 $78 $146 $90 $170 $69 $172


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

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allied Farmers State Farm Allstate Liberty Mutual 25 50 75 100 125 150 175 200 225 250 $28 $46 $59 $130 $55 $264 $75 $126 $52 $127


Your Age

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

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allied Farmers State Farm Allstate Liberty Mutual 100 200 300 400 500 600 $32 $101 $73 $603 $78 $315 $90 $290 $69 $242


Your Driving Record

Did you know that some providers offer a discount called “Accident Forgiveness”? If you have minor violations, such as a speeding ticket or a fender-bender sullying your driving record, you may be able to lower your premiums with such a discount because you company will dismiss at least one violation from future rate calculations.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allied Farmers State Farm Allstate Liberty Mutual 15 30 45 60 75 90 105 120 $32 $36 $52 $42 $73 $107 $120 $111 $78 $86 $86 $93 $90 $99 $118 $122 $69 $80 Do Not Sell $94


Your Vehicle

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

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allied Farmers State Farm Allstate Liberty Mutual 20 40 60 80 100 120 140 160 180 $32 $77 $73 $162 $78 $163 $90 $189 $69 $183


Minor Car Insurance Factors in Paradise

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 action is to bundle auto policies, but you have the option to 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 somewhere between 20-26 minutes for the average driver. About 71% of commuters will be driving their own car or truck by themselves, while 12% will try to carpool with their co-workers. Another 8-18% will either walk or take the bus.

If you have your vehicle insured as a business vehicle, get ready to pay more on your premiums. On average, business vehicles cost 10-12% more to insure than those that are primarily driven for work/school/pleasure. 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%.

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 of the major universities of the latter are easily available to residents of the former. These of course include the University of Nevada, Las Vegas as well as 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. Insurance providers have got an advantage over consumers due to their data and experiential know-how. Uncover specifically what insurance agencies don’t really want you to realize.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Nevada Division of Insurance

Nevada Financial Institutions Division

Department of Highway Safety and Motor Vehicles

You could cut your rates in half – and all you need is your zip code!