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Finding the cheapest car insurance quotes in Paradise 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 Paradise
The car insurance rate in Paradise is $2359 for a six-month policy, which is $894 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $670, making it a popular choice for budget-conscious drivers. Rates in Paradise 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 $670 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 $1042 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1291
for six months, making it
the third cheapest auto insurance company in Paradise.
Paradise Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Paradise, NV is Country Financial, offering policies at just $670 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $1042.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $4226 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paradise drivers find the best deals.
Way's key takeaways about car insurance in Paradise
The auto insurance costs in Paradise fall around $670 for six
months.
The cheapest auto insurance company in Paradise is Capital Insurance Group.
Teen drivers pay the highest rate in Paradise at $2925 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 Paradise
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 Paradise are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Paradise. Their Average 6 Month Premium is $536.
Key Insurance is the most
expensive at $3376 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 Paradise is Country Financial
at $114 per month and $670
for six months.
Cheapest Full Coverage Car Insurance Quotes in Paradise,
NV
Get Your Car Insurance Quote in Paradise
Instantly!
Average Car Insurance in Paradise 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 Paradise, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Paradise, 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, Paradise's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Paradise
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
Paradise,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Paradise at $87
per
month. At $17549 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 Paradise.
As young drivers face the highest rates in Paradise, 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 Paradise,
Nationwide is
the cheapest car insurance provider. At $564 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
Paradise is American Family, offering
rates of around $5394 for six
months.
Save up to $971/yr on car insurance rates in Paradise.
Car Insurance Rates with An Accident in Paradise
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 Paradise, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Paradise
The cheapest car insurance companies after an at-fault accident in
Paradise include Capital Insurance Group
and Country Financial, offering $736
and $832,
respectively. Farmers is an expensive provider
with an average six-month premium of
$7144.
Here is a list of driving violations that can increase your car
insurance rates in Paradise NV. For example, the car
insurance in Paradise
after a DUI increases to $1473 for a six
month policy. While the rate increases by $488 for a six-month policy in the case of
a speeding ticket.
Paradise auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2170
$362
One Med/PIP claim
$2170
$369
Not-at-fault accident
$2267
$378
Two Med/PIP claims
$2267
$385
One comp claim
$2277
$380
Two comp claims
$2381
$404
Failure to wear a seat belt
$2544
$423
Child safety restraint
$2553
$435
Failure to show documents
$2563
$427
Driving without lights
$2602
$443
Driving with expired registration
$2611
$435
Speeding 6 - 10 MPH over limit
$2658
$452
Speeding 11 - 15 MPH over limit
$2668
$444
Speeding 16 - 20 MPH over limit
$2668
$454
Cell phone violation
$2677
$446
Driving too slowly
$2677
$456
Speeding in school zone
$2677
$446
Texting while driving
$2687
$457
Failure to stop at a red light
$2697
$449
Failure to yield
$2697
$459
Illegal turn
$2697
$449
Following too closely
$2716
$462
Wrong way/wrong lane
$2716
$452
Improper passing
$2726
$464
In 65 MPH zone
$2774
$462
Passing school bus
$2850
$485
Speeding 21 - 25 MPH over limit
$2869
$478
At-fault accident - less than $1000
$2917
$496
Operating a vehicle without permission
$2927
$488
Open container
$3070
$522
At-fault accident - $1000-$2000
$3185
$531
At-fault accident - greater than $2000
$3185
$541
Refusal to submit to a chemical test
$3510
$584
Racing
$3634
$618
Driving with a suspended license
$3643
$607
DUI
$3643
$620
Reckless driving
$3682
$613
Leaving scene of an accident/hit and run
$3787
$644
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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 Paradise 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 Paradise.
The cheapest car insurance premiums in
Paradise are
offered by Country Financial at $670 for a six-month policy.
However, it can be as
expensive as $7240 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 Paradise are offered by Country Financial
at $469. However,
it can be as expensive as $8396
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Paradise after Speeding ticket
Car insurance rates in Paradise have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Paradise rose by
$506 in January
compared to $488 of December. In other words, there has been an increase by $18 when you
compare January and December.
The average cost of liability insurance in the Paradise rose to $161 in January,
compared to $143 in December.
This represents an increase of $18
when comparing January and December.
Average Car Insurance Cost in Paradise 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
Paradise. 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 Paradise?
The car insurance in Paradise is $92 per month, which is lower than the national average.
What is the cheapest car insurance in Paradise?
The cheapest car insurance in Paradise
is $114 per month
for full coverage.
How much is car insurance in Paradise for teenagers?
Car insurance for teenagers costs $507 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
Paradise?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $396 per month to insure your
car in Paradise.
Is car insurance expensive in Paradise?
Car insurance can be expensive in Paradise if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Paradise can be
affordable.
What is the best car insurance in Paradise,
NV?
The best car insurance company in Paradise
NV is
Country Financial, offering $670 for a
six-month policy.
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