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Finding the cheapest car insurance quotes in Overton 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 Overton
The car insurance rate in Overton is $1670 for a six-month policy, which is $205 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $474, making it a popular choice for budget-conscious drivers. Rates in Overton 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 $474 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 $738 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $914
for six months, making it
the third cheapest auto insurance company in Overton.
Overton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Overton, NV is Country Financial, offering policies at just $474 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $738.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $2992 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Overton drivers find the best deals.
Way's key takeaways about car insurance in Overton
The auto insurance costs in Overton fall around $474 for six
months.
The cheapest auto insurance company in Overton is Capital Insurance Group.
Teen drivers pay the highest rate in Overton at $2071 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 Overton
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 Overton are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Overton. Their Average 6 Month Premium is $380.
Key Insurance is the most
expensive at $2391 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 Overton is Country Financial
at $81 per month and $474
for six months.
Cheapest Full Coverage Car Insurance Quotes in Overton,
NV
Get Your Car Insurance Quote in Overton
Instantly!
Average Car Insurance in Overton 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 Overton, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Overton, 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, Overton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Overton
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
Overton,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Overton at $62
per
month. At $12426 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 Overton.
As young drivers face the highest rates in Overton, 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 Overton,
Nationwide is
the cheapest car insurance provider. At $399 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
Overton is American Family, offering
rates of around $3819 for six
months.
Save up to $971/yr on car insurance rates in Overton.
Car Insurance Rates with An Accident in Overton
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 Overton, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Overton
The cheapest car insurance companies after an at-fault accident in
Overton include Capital Insurance Group
and Country Financial, offering $521
and $589,
respectively. Farmers is an expensive provider
with an average six-month premium of
$5058.
Here is a list of driving violations that can increase your car
insurance rates in Overton NV. For example, the car
insurance in Overton
after a DUI increases to $1043 for a six
month policy. While the rate increases by $345 for a six-month policy in the case of
a speeding ticket.
Overton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1537
$257
One Med/PIP claim
$1537
$261
Not-at-fault accident
$1605
$268
Two Med/PIP claims
$1605
$272
One comp claim
$1612
$269
Two comp claims
$1686
$286
Failure to wear a seat belt
$1801
$300
Child safety restraint
$1808
$308
Failure to show documents
$1815
$302
Driving without lights
$1842
$314
Driving with expired registration
$1849
$308
Speeding 6 - 10 MPH over limit
$1882
$320
Speeding 11 - 15 MPH over limit
$1889
$315
Speeding 16 - 20 MPH over limit
$1889
$321
Cell phone violation
$1896
$316
Driving too slowly
$1896
$323
Speeding in school zone
$1896
$316
Texting while driving
$1903
$324
Failure to stop at a red light
$1909
$318
Failure to yield
$1909
$325
Illegal turn
$1909
$318
Following too closely
$1923
$327
Wrong way/wrong lane
$1923
$320
Improper passing
$1930
$328
In 65 MPH zone
$1964
$327
Passing school bus
$2018
$343
Speeding 21 - 25 MPH over limit
$2031
$339
At-fault accident - less than $1000
$2066
$351
Operating a vehicle without permission
$2073
$345
Open container
$2174
$369
At-fault accident - $1000-$2000
$2255
$376
At-fault accident - greater than $2000
$2255
$383
Refusal to submit to a chemical test
$2485
$414
Racing
$2573
$438
Driving with a suspended license
$2580
$430
DUI
$2580
$439
Reckless driving
$2607
$434
Leaving scene of an accident/hit and run
$2681
$456
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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 Overton 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 Overton.
The cheapest car insurance premiums in
Overton are
offered by Country Financial at $474 for a six-month policy.
However, it can be as
expensive as $5127 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 Overton are offered by Country Financial
at $332. However,
it can be as expensive as $5945
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Overton after Speeding ticket
Car insurance rates in Overton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Overton rose by
$358 in January
compared to $345 of December. In other words, there has been an increase by $13 when you
compare January and December.
The average cost of liability insurance in the Overton rose to $114 in January,
compared to $101 in December.
This represents an increase of $13
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Overton. At $3340 for a
six-month policy, insuring
your car at 89040 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 Overton?
The car insurance in Overton is $65 per month, which is lower than the national average.
What is the cheapest car insurance in Overton?
The cheapest car insurance in Overton
is $81 per month
for full coverage.
How much is car insurance in Overton for teenagers?
Car insurance for teenagers costs $359 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
Overton?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $280 per month to insure your
car in Overton.
Is car insurance expensive in Overton?
Car insurance can be expensive in Overton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Overton can be
affordable.
What is the best car insurance in Overton,
NV?
The best car insurance company in Overton
NV is
Country Financial, offering $474 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Overton, NV
Car Insurance Rates by State in the USA (2025 Update)
Overton Car Insurance
