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Imlay Car Insurance
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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.
The car insurance rate in Imlay is $1102 for a six-month policy, which is $195 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $354, making it a popular choice for budget-conscious drivers. Rates in Imlay 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 $354 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.
Capital Insurance Group offers auto insurance rates at $550 for a six-month policy, making it one of the cheapest to insure with.
Nationwide offers auto insurance rates at $682 for six months, making it the third cheapest auto insurance company in Imlay.
Based on our research, the cheapest car insurance company in Imlay, NV is Country Financial, offering policies at just $354 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $550.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2202 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Imlay drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $354 | $59 |
| Capital Insurance Group | $550 | $94 |
| Nationwide | $682 | $115 |
| Travelers | $848 | $143 |
| USAA | $934 | $157 |
| Progressive | $969 | $163 |
| State Farm | $979 | $165 |
| Mercury | $995 | $167 |
| American Family | $1187 | $200 |
| Encompass | $1283 | $218 |
| Mendakota Ins Co | $1424 | $237 |
| Farmers | $1499 | $252 |
| Allstate | $1530 | $258 |
| AAA | $2202 | $374 |
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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 Imlay are given below.
Capital Insurance Group provides the cheapest minimum car insurance coverage in Imlay. Their Average 6 Month Premium is $283. Encompass is the most expensive at $414 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $283 | $47 |
| Country Financial | $298 | $50 |
| Nationwide | $313 | $53 |
| USAA | $333 | $56 |
| Mercury | $349 | $59 |
| Progressive | $399 | $67 |
| Travelers | $404 | $68 |
| State Farm | $469 | $79 |
| American Family | $641 | $108 |
| Allstate | $793 | $133 |
| AAA | $848 | $141 |
| Farmers | $1005 | $171 |
| National General | $242 | $41 |
| Amica | $288 | $49 |
| Encompass | $414 | $69 |
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 Imlay is Country Financial at $59 per month and $354 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $354 | $59 |
| Capital Insurance Group | $550 | $94 |
| Nationwide | $682 | $115 |
| Travelers | $848 | $143 |
| USAA | $934 | $157 |
| Progressive | $969 | $163 |
| State Farm | $979 | $165 |
| Mercury | $995 | $167 |
| American Family | $1187 | $200 |
| Encompass | $1283 | $218 |
| Mendakota Ins Co | $1424 | $237 |
| Farmers | $1499 | $252 |
| Allstate | $1530 | $258 |
| AAA | $2202 | $374 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Imlay, 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, Imlay's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 30s | Capital Insurance Group | $382 |
| 40s | Capital Insurance Group | $356 |
| 50s | Capital Insurance Group | $353 |
| 60s | Capital Insurance Group | $337 |
| 70s | Capital Insurance Group | $340 |
If you are planning to get a car insurance policy for your teenage dependent, Country Financial provides the cheapest car insurance in the Imlay at $46 per month. At $1187 for a six-month premium, Kemper offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $268 | $46 |
| Capital Insurance Group | $479 | $80 |
| Travelers | $1055 | $178 |
| USAA | $1565 | $264 |
| Nationwide | $1595 | $269 |
| Progressive | $1868 | $315 |
| State Farm | $2600 | $438 |
| Mercury | $2767 | $466 |
| American Family | $3014 | $507 |
| AAA | $5494 | $915 |
| Allstate | $5751 | $968 |
| Farmers | $8164 | $1361 |
| AIG | $929 | $158 |
| Amica | $1106 | $184 |
| Kemper | $1187 | $201 |
Teen Car Insurance Rates in NV by Age
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.
For those with poor credit scores in Imlay, Nationwide is the cheapest car insurance provider. At $298 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 Imlay is State Farm, offering rates of around $4327 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $298 | $51 |
| Country Financial | $303 | $50 |
| Mercury | $308 | $53 |
| Capital Insurance Group | $383 | $64 |
| Nevada General Insurance | $550 | $94 |
| Kemper | $611 | $102 |
| Travelers | $949 | $160 |
| Progressive | $1151 | $194 |
| USAA | $1717 | $292 |
| Allstate | $2757 | $460 |
| American Family | $2848 | $485 |
| AAA | $3246 | $541 |
| Farmers | $3459 | $588 |
| State Farm | $4327 | $721 |
Save up to $971/yr on car insurance rates in Imlay.
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 Imlay, NV, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Imlay include Capital Insurance Group and Country Financial, offering $388 and $439, respectively. AAA is an expensive provider with an average six-month premium of $3933.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $388 | $65 |
| Country Financial | $439 | $74 |
| Encompass | $520 | $87 |
| Travelers | $712 | $120 |
| USAA | $793 | $133 |
| Nationwide | $879 | $148 |
| State Farm | $909 | $153 |
| Progressive | $949 | $160 |
| Mercury | $1424 | $240 |
| Allstate | $2111 | $355 |
| American Family | $2590 | $436 |
| Farmers | $3307 | $563 |
| AAA | $3933 | $655 |
Here is a list of driving violations that can increase your car insurance rates in Imlay NV. For example, the car insurance in Imlay after a DUI increases to $778 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1146 | $191 |
| One Med/PIP claim | $1146 | $195 |
| Not-at-fault accident | $1197 | $200 |
| Two Med/PIP claims | $1197 | $203 |
| One comp claim | $1202 | $201 |
| Two comp claims | $1257 | $213 |
| Failure to wear a seat belt | $1343 | $224 |
| Child safety restraint | $1348 | $230 |
| Failure to show documents | $1353 | $225 |
| Driving without lights | $1374 | $234 |
| Driving with expired registration | $1379 | $230 |
| Speeding 6 - 10 MPH over limit | $1403 | $239 |
| Speeding 11 - 15 MPH over limit | $1408 | $235 |
| Speeding 16 - 20 MPH over limit | $1408 | $240 |
| Cell phone violation | $1414 | $235 |
| Driving too slowly | $1414 | $241 |
| Speeding in school zone | $1414 | $235 |
| Texting while driving | $1419 | $241 |
| Failure to stop at a red light | $1424 | $237 |
| Failure to yield | $1424 | $242 |
| Illegal turn | $1424 | $237 |
| Following too closely | $1434 | $244 |
| Wrong way/wrong lane | $1434 | $239 |
| Improper passing | $1439 | $245 |
| In 65 MPH zone | $1465 | $244 |
| Passing school bus | $1505 | $256 |
| Speeding 21 - 25 MPH over limit | $1515 | $252 |
| At-fault accident - less than $1000 | $1540 | $262 |
| Operating a vehicle without permission | $1545 | $258 |
| Open container | $1621 | $275 |
| At-fault accident - $1000-$2000 | $1681 | $281 |
| At-fault accident - greater than $2000 | $1681 | $286 |
| Refusal to submit to a chemical test | $1853 | $309 |
| Racing | $1918 | $326 |
| Driving with a suspended license | $1924 | $320 |
| DUI | $1924 | $327 |
| Reckless driving | $1944 | $324 |
| Leaving scene of an accident/hit and run | $1999 | $340 |
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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.
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 Imlay.
The cheapest car insurance premiums in Imlay are offered by Country Financial at $354 for a six-month policy. However, it can be as expensive as $3352 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $354 | $60 |
| Capital Insurance Group | $550 | $92 |
| Kemper | $611 | $104 |
| Nevada General Insurance | $632 | $105 |
| Travelers | $783 | $132 |
| Progressive | $1020 | $172 |
| Nationwide | $1126 | $190 |
| USAA | $1363 | $230 |
| Mercury | $1369 | $230 |
| State Farm | $1384 | $233 |
| Allstate | $2070 | $349 |
| American Family | $2590 | $436 |
| AAA | $3120 | $530 |
| Farmers | $3352 | $558 |
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 Imlay are offered by Country Financial at $247. However, it can be as expensive as $550 with companies like Amica for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $247 | $42 |
| Nationwide | $268 | $44 |
| Mercury | $293 | $50 |
| Capital Insurance Group | $374 | $62 |
| State Farm | $1046 | $176 |
| Progressive | $1065 | $179 |
| USAA | $1080 | $184 |
| Travelers | $1146 | $193 |
| American Family | $4433 | $754 |
| Allstate | $4610 | $768 |
| AAA | $5140 | $874 |
| Farmers | $5271 | $879 |
| Kemper | $505 | $84 |
| Chubb | $525 | $89 |
| AIG | $530 | $88 |
| Amica | $550 | $94 |
Car insurance rates in Imlay have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Imlay rose by $258 in December compared to $256 of November. In other words, there has been an increase by $2 when you compare December and November.
The average cost of liability insurance in the Imlay rose to $76 in December, compared to $73 in November. This represents an increase of $3 when comparing December and November.
How much is car insurance in Imlay?
The car insurance in Imlay is $47 per month, which is lower than the national average.
What is the cheapest car insurance in Imlay?
The cheapest car insurance in Imlay is $59 per month for full coverage.
How much is car insurance in Imlay for teenagers?
Car insurance for teenagers costs $268 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 Imlay?
The average cost of car insurance is $1297 for a six-month policy. It will cost around $185 per month to insure your car in Imlay.
Is car insurance expensive in Imlay?
Car insurance can be expensive in Imlay if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Imlay can be affordable.
What is the best car insurance in Imlay, NV?
The best car insurance company in Imlay NV is Country Financial, offering $354 for a six-month policy.
Cut auto insurance costs in Imlay right now.