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Finding the cheapest car insurance quotes in Lemmon Valley 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 Lemmon Valley
The car insurance rate in Lemmon Valley is $1157 for a six-month policy, which is $308 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Lemmon Valley 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 $329 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 $511 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $634
for six months, making it
the third cheapest auto insurance company in Lemmon Valley.
Lemmon Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lemmon Valley, NV is Country Financial, offering policies at just $329 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $511.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $2074 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lemmon Valley drivers find the best deals.
Cheap Car Insurance Companies in Lemmon Valley, NV
Way's key takeaways about car insurance in Lemmon Valley
The auto insurance costs in Lemmon Valley fall around $329 for six
months.
The cheapest auto insurance company in Lemmon Valley is Capital Insurance Group.
Teen drivers pay the highest rate in Lemmon Valley at $1435 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 Lemmon Valley
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 Lemmon Valley are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Lemmon Valley. Their Average 6 Month Premium is $263.
Key Insurance is the most
expensive at $1657 for the same
period.
Cheapest Full Coverage Car Insurance in Lemmon Valley
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 Lemmon Valley is Country Financial
at $56 per month and $329
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lemmon Valley,
NV
Get Your Car Insurance Quote in Lemmon Valley
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Average Car Insurance in Lemmon Valley 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 Lemmon Valley, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lemmon Valley, 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, Lemmon Valley's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lemmon Valley
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
Lemmon Valley,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Lemmon Valley at $43
per
month. At $8611 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 Lemmon Valley.
As young drivers face the highest rates in Lemmon Valley, 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 Lemmon Valley,
Nationwide is
the cheapest car insurance provider. At $277 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
Lemmon Valley is American Family, offering
rates of around $2647 for six
months.
Save up to $971/yr on car insurance rates in Lemmon Valley.
Car Insurance Rates with An Accident in Lemmon Valley
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 Lemmon Valley, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lemmon Valley
The cheapest car insurance companies after an at-fault accident in
Lemmon Valley include Capital Insurance Group
and Country Financial, offering $361
and $408,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3505.
Here is a list of driving violations that can increase your car
insurance rates in Lemmon Valley NV. For example, the car
insurance in Lemmon Valley
after a DUI increases to $723 for a six
month policy. While the rate increases by $239 for a six-month policy in the case of
a speeding ticket.
Lemmon Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1065
$178
One Med/PIP claim
$1065
$181
Not-at-fault accident
$1112
$186
Two Med/PIP claims
$1112
$189
One comp claim
$1117
$186
Two comp claims
$1168
$198
Failure to wear a seat belt
$1248
$208
Child safety restraint
$1253
$213
Failure to show documents
$1258
$209
Driving without lights
$1277
$217
Driving with expired registration
$1281
$213
Speeding 6 - 10 MPH over limit
$1304
$222
Speeding 11 - 15 MPH over limit
$1309
$218
Speeding 16 - 20 MPH over limit
$1309
$223
Cell phone violation
$1314
$219
Driving too slowly
$1314
$224
Speeding in school zone
$1314
$219
Texting while driving
$1319
$224
Failure to stop at a red light
$1323
$220
Failure to yield
$1323
$225
Illegal turn
$1323
$220
Following too closely
$1333
$227
Wrong way/wrong lane
$1333
$222
Improper passing
$1337
$228
In 65 MPH zone
$1361
$227
Passing school bus
$1398
$238
Speeding 21 - 25 MPH over limit
$1408
$235
At-fault accident - less than $1000
$1431
$243
Operating a vehicle without permission
$1436
$239
Open container
$1507
$256
At-fault accident - $1000-$2000
$1563
$261
At-fault accident - greater than $2000
$1563
$265
Refusal to submit to a chemical test
$1722
$287
Racing
$1783
$303
Driving with a suspended license
$1788
$298
DUI
$1788
$304
Reckless driving
$1807
$301
Leaving scene of an accident/hit and run
$1858
$316
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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 Lemmon Valley 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 Lemmon Valley.
The cheapest car insurance premiums in
Lemmon Valley are
offered by Country Financial at $329 for a six-month policy.
However, it can be as
expensive as $3553 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 Lemmon Valley are offered by Country Financial
at $230. However,
it can be as expensive as $4120
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Lemmon Valley after Speeding ticket
Car Insurance Price Trends in Lemmon Valley,
Nevada
Car insurance rates in Lemmon Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lemmon Valley rose by
$248 in January
compared to $239 of December. In other words, there has been an increase by $9 when you
compare January and December.
The average cost of liability insurance in the Lemmon Valley rose to $79 in January,
compared to $70 in December.
This represents an increase of $9
when comparing January and December.
Average Car Insurance Cost in Lemmon Valley 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
Lemmon Valley. At $N/A for a
six-month policy, insuring
your car at N/A 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 Lemmon Valley?
The car insurance in Lemmon Valley is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Lemmon Valley?
The cheapest car insurance in Lemmon Valley
is $56 per month
for full coverage.
How much is car insurance in Lemmon Valley for teenagers?
Car insurance for teenagers costs $249 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
Lemmon Valley?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $194 per month to insure your
car in Lemmon Valley.
Is car insurance expensive in Lemmon Valley?
Car insurance can be expensive in Lemmon Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lemmon Valley can be
affordable.
What is the best car insurance in Lemmon Valley,
NV?
The best car insurance company in Lemmon Valley
NV is
Country Financial, offering $329 for a
six-month policy.
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