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

Paradise, NV auto insurance requires a basic coverage of 15/30/10. Cheap car insurance in Paradise, NV starts at $32 monthly courtesy of Allied. The list of Paradise, NV car insurance companies begins with Allied, Farmers, State Farm, Allstate, and Liberty Mutual.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Nevada auto insurance lists its minimum liability coverage as 15/30/10. Residents shopping for cheap car insurance in Paradise, NV will be able to find affordable rates. Allied, Farmers, State Farm, Allstate, and Liberty Mutual are some of the cheapest Paradise, NV car insurance companies. Allied provides Paradise, NV auto insurance monthly rates of $32.

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+)”.

In the market for cheap auto insurance in Paradise, NV? From AutoInsuranceEZ.com, you could 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

The auto insurance coverage requirements in Nevada are:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 50,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 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.

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Cheap Auto Insurance Rates Near Me

Average Monthly Auto Insurance PremiumsLegend: Paradise Allied Farmers State Farm Allstate Liberty Mutual 102030405060708090$32$73$78$90$69

It looks like Allied and Liberty Mutual are some of the top car insurance agents 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.

Paradise, NV auto insurance companies 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 affordable Paradise, NV auto insurance 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.

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 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 CodeLegend: Las Vegas North Las Vegas Reno Henderson Paradise Allied Farmers State Farm Allstate Liberty Mutual 102030405060708090$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, NVLegend: Paradise Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 246810121416181015110193

 

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 PolicyLegend: Basic Coverage comprehensive coverage Allied Farmers State Farm Allstate Liberty Mutual 20406080100120140160$32$69$73$147$78$146$90$170$69$172

 

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. 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 ScoreLegend: Excellent Credit Poor Credit Allied Farmers State Farm Allstate Liberty Mutual 255075100125150175200225250$28$46$59$130$55$264$75$126$52$127

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

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allied Farmers State Farm Allstate Liberty Mutual 100200300400500600$32$101$73$603$78$315$90$290$69$242

Your Driving Record

Did you know that some of the best auto insurance companies in Nevada 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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allied Farmers State Farm Allstate Liberty Mutual 153045607590105120$32$36$52$42$73$107$120$111$78$86$86$93$90$99$118$122$69$80Do 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/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allied Farmers State Farm Allstate Liberty Mutual 20406080100120140160180$32$77$73$162$78$163$90$189$69$183

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 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.

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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.

Sources:

Nevada Division of Insurance

Nevada Financial Institutions Division

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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