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Finding the cheapest car insurance quotes in Caliente shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Caliente
The car insurance rate in Caliente is $1465 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Caliente can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $416 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $647 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $802
for six months, making it
the third cheapest auto insurance company in Caliente.
Caliente Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Caliente, NV is Country Financial, offering policies at just $416 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $647.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $2625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Caliente drivers find the best deals.
Way's key takeaways about car insurance in Caliente
The auto insurance costs in Caliente fall around $416 for six
months.
The cheapest auto insurance company in Caliente is Capital Insurance Group.
Teen drivers pay the highest rate in Caliente at $1817 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Caliente
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Caliente are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Caliente. Their Average 6 Month Premium is $333.
Key Insurance is the most
expensive at $2097 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Caliente is Country Financial
at $71 per month and $416
for six months.
Cheapest Full Coverage Car Insurance Quotes in Caliente,
NV
Get Your Car Insurance Quote in Caliente
Instantly!
Average Car Insurance in Caliente by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Caliente, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Caliente, Nevada, may be increasing due to several external factors.
Nevada has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Caliente's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Caliente
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Caliente,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Caliente at $54
per
month. At $10900 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Caliente.
As young drivers face the highest rates in Caliente, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Caliente,
Nationwide is
the cheapest car insurance provider. At $350 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Caliente is American Family, offering
rates of around $3350 for six
months.
Save up to $971/yr on car insurance rates in Caliente.
Car Insurance Rates with An Accident in Caliente
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Caliente, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Caliente
The cheapest car insurance companies after an at-fault accident in
Caliente include Capital Insurance Group
and Country Financial, offering $457
and $517,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4437.
Here is a list of driving violations that can increase your car
insurance rates in Caliente NV. For example, the car
insurance in Caliente
after a DUI increases to $915 for a six
month policy. While the rate increases by $303 for a six-month policy in the case of
a speeding ticket.
Caliente auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1348
$225
One Med/PIP claim
$1348
$229
Not-at-fault accident
$1408
$235
Two Med/PIP claims
$1408
$239
One comp claim
$1414
$236
Two comp claims
$1479
$251
Failure to wear a seat belt
$1580
$263
Child safety restraint
$1586
$270
Failure to show documents
$1592
$265
Driving without lights
$1616
$275
Driving with expired registration
$1622
$270
Speeding 6 - 10 MPH over limit
$1651
$281
Speeding 11 - 15 MPH over limit
$1657
$276
Speeding 16 - 20 MPH over limit
$1657
$282
Cell phone violation
$1663
$277
Driving too slowly
$1663
$283
Speeding in school zone
$1663
$277
Texting while driving
$1669
$284
Failure to stop at a red light
$1675
$279
Failure to yield
$1675
$285
Illegal turn
$1675
$279
Following too closely
$1687
$287
Wrong way/wrong lane
$1687
$281
Improper passing
$1693
$288
In 65 MPH zone
$1723
$287
Passing school bus
$1770
$301
Speeding 21 - 25 MPH over limit
$1782
$297
At-fault accident - less than $1000
$1812
$308
Operating a vehicle without permission
$1818
$303
Open container
$1907
$324
At-fault accident - $1000-$2000
$1978
$330
At-fault accident - greater than $2000
$1978
$336
Refusal to submit to a chemical test
$2180
$363
Racing
$2257
$384
Driving with a suspended license
$2263
$377
DUI
$2263
$385
Reckless driving
$2287
$381
Leaving scene of an accident/hit and run
$2352
$400
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Caliente after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Caliente.
The cheapest car insurance premiums in
Caliente are
offered by Country Financial at $416 for a six-month policy.
However, it can be as
expensive as $4497 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Caliente are offered by Country Financial
at $291. However,
it can be as expensive as $5215
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Caliente after Speeding ticket
Car insurance rates in Caliente have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Caliente rose by
$314 in January
compared to $303 of December. In other words, there has been an increase by $11 when you
compare January and December.
The average cost of liability insurance in the Caliente rose to $100 in January,
compared to $89 in December.
This represents an increase of $11
when comparing January and December.
Average Car Insurance Cost in Caliente by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Caliente. At $2930 for a
six-month policy, insuring
your car at 89008 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Caliente?
The car insurance in Caliente is $57 per month, which is lower than the national average.
What is the cheapest car insurance in Caliente?
The cheapest car insurance in Caliente
is $71 per month
for full coverage.
How much is car insurance in Caliente for teenagers?
Car insurance for teenagers costs $315 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Caliente?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $246 per month to insure your
car in Caliente.
Is car insurance expensive in Caliente?
Car insurance can be expensive in Caliente if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Caliente can be
affordable.
What is the best car insurance in Caliente,
NV?
The best car insurance company in Caliente
NV is
Country Financial, offering $416 for a
six-month policy.
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Caliente Car Insurance
