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Finding the cheapest car insurance quotes in Lovelock 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 Lovelock
The car insurance rate in Lovelock is $982 for a six-month policy, which is $483 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $279, making it a popular choice for budget-conscious drivers. Rates in Lovelock 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 $279 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 $433 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $537
for six months, making it
the third cheapest auto insurance company in Lovelock.
Lovelock Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lovelock, NV is Country Financial, offering policies at just $279 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $433.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $1759 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lovelock drivers find the best deals.
Way's key takeaways about car insurance in Lovelock
The auto insurance costs in Lovelock fall around $279 for six
months.
The cheapest auto insurance company in Lovelock is Capital Insurance Group.
Teen drivers pay the highest rate in Lovelock at $1217 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 Lovelock
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 Lovelock are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Lovelock. Their Average 6 Month Premium is $223.
Key Insurance is the most
expensive at $1405 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 Lovelock is Country Financial
at $48 per month and $279
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lovelock,
NV
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Instantly!
Average Car Insurance in Lovelock 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 Lovelock, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lovelock, 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, Lovelock's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lovelock
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
Lovelock,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Lovelock at $36
per
month. At $7303 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 Lovelock.
As young drivers face the highest rates in Lovelock, 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 Lovelock,
Nationwide is
the cheapest car insurance provider. At $235 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
Lovelock is American Family, offering
rates of around $2245 for six
months.
Save up to $971/yr on car insurance rates in Lovelock.
Car Insurance Rates with An Accident in Lovelock
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 Lovelock, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lovelock
The cheapest car insurance companies after an at-fault accident in
Lovelock include Capital Insurance Group
and Country Financial, offering $306
and $346,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2973.
Here is a list of driving violations that can increase your car
insurance rates in Lovelock NV. For example, the car
insurance in Lovelock
after a DUI increases to $613 for a six
month policy. While the rate increases by $203 for a six-month policy in the case of
a speeding ticket.
Lovelock auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$903
$151
One Med/PIP claim
$903
$153
Not-at-fault accident
$943
$157
Two Med/PIP claims
$943
$160
One comp claim
$947
$158
Two comp claims
$991
$168
Failure to wear a seat belt
$1059
$176
Child safety restraint
$1063
$181
Failure to show documents
$1067
$178
Driving without lights
$1083
$184
Driving with expired registration
$1087
$181
Speeding 6 - 10 MPH over limit
$1106
$188
Speeding 11 - 15 MPH over limit
$1110
$185
Speeding 16 - 20 MPH over limit
$1110
$189
Cell phone violation
$1114
$186
Driving too slowly
$1114
$190
Speeding in school zone
$1114
$186
Texting while driving
$1118
$190
Failure to stop at a red light
$1122
$187
Failure to yield
$1122
$191
Illegal turn
$1122
$187
Following too closely
$1130
$192
Wrong way/wrong lane
$1130
$188
Improper passing
$1134
$193
In 65 MPH zone
$1154
$192
Passing school bus
$1186
$202
Speeding 21 - 25 MPH over limit
$1194
$199
At-fault accident - less than $1000
$1214
$206
Operating a vehicle without permission
$1218
$203
Open container
$1278
$217
At-fault accident - $1000-$2000
$1325
$221
At-fault accident - greater than $2000
$1325
$225
Refusal to submit to a chemical test
$1461
$243
Racing
$1512
$257
Driving with a suspended license
$1516
$253
DUI
$1516
$258
Reckless driving
$1532
$255
Leaving scene of an accident/hit and run
$1576
$268
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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 Lovelock 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 Lovelock.
The cheapest car insurance premiums in
Lovelock are
offered by Country Financial at $279 for a six-month policy.
However, it can be as
expensive as $3013 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 Lovelock are offered by Country Financial
at $195. However,
it can be as expensive as $3494
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Lovelock after Speeding ticket
Car insurance rates in Lovelock have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lovelock rose by
$210 in January
compared to $203 of December. In other words, there has been an increase by $7 when you
compare January and December.
The average cost of liability insurance in the Lovelock rose to $67 in January,
compared to $60 in December.
This represents an increase of $7
when comparing January and December.
Average Car Insurance Cost in Lovelock 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
Lovelock. At $1963 for a
six-month policy, insuring
your car at 89419 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 Lovelock?
The car insurance in Lovelock is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Lovelock?
The cheapest car insurance in Lovelock
is $48 per month
for full coverage.
How much is car insurance in Lovelock for teenagers?
Car insurance for teenagers costs $211 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
Lovelock?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $165 per month to insure your
car in Lovelock.
Is car insurance expensive in Lovelock?
Car insurance can be expensive in Lovelock if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lovelock can be
affordable.
What is the best car insurance in Lovelock,
NV?
The best car insurance company in Lovelock
NV is
Country Financial, offering $279 for a
six-month policy.
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