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Finding the cheapest car insurance quotes in Panaca 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 Panaca
The car insurance rate in Panaca is $1143 for a six-month policy, which is $322 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Panaca 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 $324 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 $505 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $626
for six months, making it
the third cheapest auto insurance company in Panaca.
Panaca Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Panaca, NV is Country Financial, offering policies at just $324 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $505.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $2048 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Panaca drivers find the best deals.
The auto insurance costs in Panaca fall around $324 for six
months.
The cheapest auto insurance company in Panaca is Capital Insurance Group.
Teen drivers pay the highest rate in Panaca at $1417 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Panaca
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 Panaca are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Panaca. Their Average 6 Month Premium is $260.
Key Insurance is the most
expensive at $1636 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 Panaca is Country Financial
at $55 per month and $324
for six months.
Cheapest Full Coverage Car Insurance Quotes in Panaca,
NV
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 Panaca, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Panaca, 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, Panaca's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Panaca
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
Panaca,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Panaca at $42
per
month. At $8502 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 Panaca.
As young drivers face the highest rates in Panaca, 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 Panaca,
Nationwide is
the cheapest car insurance provider. At $273 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
Panaca is American Family, offering
rates of around $2613 for six
months.
Save up to $971/yr on car insurance rates in Panaca.
Car Insurance Rates with An Accident in Panaca
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 Panaca, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Panaca
The cheapest car insurance companies after an at-fault accident in
Panaca include Capital Insurance Group
and Country Financial, offering $356
and $403,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3461.
Here is a list of driving violations that can increase your car
insurance rates in Panaca NV. For example, the car
insurance in Panaca
after a DUI increases to $714 for a six
month policy. While the rate increases by $237 for a six-month policy in the case of
a speeding ticket.
Panaca auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1051
$176
One Med/PIP claim
$1051
$179
Not-at-fault accident
$1098
$183
Two Med/PIP claims
$1098
$186
One comp claim
$1103
$184
Two comp claims
$1154
$196
Failure to wear a seat belt
$1232
$205
Child safety restraint
$1237
$211
Failure to show documents
$1242
$207
Driving without lights
$1260
$215
Driving with expired registration
$1265
$211
Speeding 6 - 10 MPH over limit
$1288
$219
Speeding 11 - 15 MPH over limit
$1292
$215
Speeding 16 - 20 MPH over limit
$1292
$220
Cell phone violation
$1297
$216
Driving too slowly
$1297
$221
Speeding in school zone
$1297
$216
Texting while driving
$1302
$222
Failure to stop at a red light
$1307
$218
Failure to yield
$1307
$222
Illegal turn
$1307
$218
Following too closely
$1316
$224
Wrong way/wrong lane
$1316
$219
Improper passing
$1321
$225
In 65 MPH zone
$1344
$224
Passing school bus
$1381
$235
Speeding 21 - 25 MPH over limit
$1390
$232
At-fault accident - less than $1000
$1413
$240
Operating a vehicle without permission
$1418
$236
Open container
$1487
$253
At-fault accident - $1000-$2000
$1543
$257
At-fault accident - greater than $2000
$1543
$262
Refusal to submit to a chemical test
$1700
$283
Racing
$1760
$300
Driving with a suspended license
$1765
$294
DUI
$1765
$300
Reckless driving
$1784
$297
Leaving scene of an accident/hit and run
$1835
$312
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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 Panaca 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 Panaca.
The cheapest car insurance premiums in
Panaca are
offered by Country Financial at $324 for a six-month policy.
However, it can be as
expensive as $3508 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 Panaca are offered by Country Financial
at $227. However,
it can be as expensive as $4068
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Panaca after Speeding ticket
Car insurance rates in Panaca have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Panaca rose by
$245 in January
compared to $236 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 Panaca rose to $78 in January,
compared to $69 in December.
This represents an increase of $9
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
Panaca. At $2285 for a
six-month policy, insuring
your car at 89042 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 Panaca?
The car insurance in Panaca is $44 per month, which is lower than the national average.
What is the cheapest car insurance in Panaca?
The cheapest car insurance in Panaca
is $55 per month
for full coverage.
How much is car insurance in Panaca for teenagers?
Car insurance for teenagers costs $246 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
Panaca?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $192 per month to insure your
car in Panaca.
Is car insurance expensive in Panaca?
Car insurance can be expensive in Panaca if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Panaca can be
affordable.
What is the best car insurance in Panaca,
NV?
The best car insurance company in Panaca
NV is
Country Financial, offering $324 for a
six-month policy.
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