Cheapest Auto Insurance in Pahrump, Nevada (2025)

The overall average cost of car insurance in Pahrump is $176 per month, or $2,111 per year. Coverage is expensive in Nevada due to a higher rate of fatal accidents.1 Even though drivers in Pahrump can expect to pay a little more than the national average, rates in the city are lower than in many other Nevada cities.

Here’s how to compare quotes and find the best deal on car insurance in Pahrump, Nevada.

3 of the cheapest car insurance companies in Pahrump 

COUNTRY Financial, State Farm, and GEICO are Insurify’s top picks for cheap car insurance companies in Pahrump. As you shop for the most affordable coverage, consider your budget, vehicle, and coverage needs.

For example, one insurer might offer better rates on liability-only coverage for an older car. But a different company might have slightly higher rates but more car insurance coverage options. Here’s a breakdown of some of the cheapest car insurance in Pahrump to start your search.

Best insurer for affordable rates: COUNTRY Financial

Best insurer for customer satisfaction: State Farm

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Pahrump

Insurers in Nevada determine rates by considering your ZIP code, vehicle type, driving record, age, and credit score. Even though you can’t change some of those factors, some strategies can help you lower your car insurance costs.

Here’s how to get cheap auto insurance in Pahrump:

• Shop for the lowest rate. Different insurers offer different rates. Compare quotes from multiple companies and ask questions before moving forward with coverage. Consider getting quotes from major insurance companies and local companies. A few minutes of additional research might save hundreds of dollars per year.

• Improve your credit score. Your credit score affects your car insurance rate. Drivers with higher scores typically have lower car insurance rates, since research indicates that they make fewer claims. You can view your credit report at AnnualCreditReport.com.

• Increase your deductible. Changing your collision and comprehensive deductibles to $1,000 can save you money on your premiums.3 Just make sure you can afford the high deductible in case you file a claim.

Cheapest liability-only car insurance in Pahrump: COUNTRY Financial

Liability-only car insurance is a requirement in Nevada. Drivers must have protection for bodily injury and property damage, which helps cover the costs of vehicle repairs and medical care for the other driver if you cause an accident. This coverage doesn’t pay for any of your expenses.

Drivers in Pahrump pay an average of $133 per month for liability-only coverage.

Here are car insurance companies in Pahrump that offer the most affordable liability coverage.

Cheapest full-coverage car insurance in Pahrump: COUNTRY Financial

Full-coverage car insurance usually includes liability, comprehensive, and collision coverage. These additional coverages pay for car repairs or replacement after a covered claim. Whether you cause an accident, hit an object, or are the victim of theft, a full-coverage policy pays to repair or replace your vehicle.

Full-coverage policies in Pahrump cost an average of $219 per month.

Here are the best insurance companies with the lowest rates for a full-coverage policy in Pahrump.

Car insurance requirements in Nevada

Nevada drivers must have liability coverage, including bodily injury and property damage. Insurance companies must offer uninsured/underinsured motorist coverage at liability coverage limits, but drivers don’t have to purchase it.4

If you have a lapse in coverage, the state may fine you $250 to $1,750, depending on the length of the lapse and how many lapses are on your record.5

Here are Nevada’s minimum car insurance requirements:

Even though the state doesn’t mandate additional coverage, you might want to consider the following options to make sure you have enough protection on the road:

Cheapest car insurance for drivers with an incident

Your driving record documents your history as a driver and includes at-fault accidents, speeding tickets, driving under the influence (DUI) violations, and other incidents. Car insurance companies increase rates when drivers have a violation or other incident because it becomes more risky and costly to insure them. The type of violation affects how much more you pay for insurance.

For example, drivers with a clean driving record pay $133 per month for liability coverage. But after a speeding ticket, that increases to an average of $156 per month. And a more serious violation, like a DUI, increases average rates to $214 per month.

Here are the average auto insurance rates in Pahrump for drivers with different incidents in their driving history.

Average cost of car insurance by age

Your age is another factor that influences how much you pay for car insurance. Insurance companies charge young drivers — especially teenagers — the most for coverage because they don’t have as much driving experience.

Car insurance costs become more affordable as drivers age. Senior drivers typically pay the lowest rates, but costs can increase again around age 70 as drivers may develop health-related issues that may affect their driving abilities.6

Here’s how driver age affects average car insurance rates in Pahrump.

Pahrump car insurance quotes by credit tier

Nevada insurance companies can use drivers’ credit scores to create a credit-based insurance score, which is a factor in determining rates.7 Insurance companies believe that drivers with good credit are less likely to file claims. Because of that, rates are cheaper for drivers with higher scores. Drivers with poor credit scores, on the other hand, pay more expensive rates.

Here are the average rates in Pahrump based on credit tier.