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Finding the cheapest car insurance quotes in Pioche 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 Pioche
The car insurance rate in Pioche is $1271 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Pioche 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 $408 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 $634 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $786
for six months, making it
the third cheapest auto insurance company in Pioche.
Pioche Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pioche, NV is Country Financial, offering policies at just $408 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $634.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2538 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pioche drivers find the best deals.
The auto insurance costs in Pioche fall around $408 for six
months.
The cheapest auto insurance company in Pioche is Capital Insurance Group.
Teen drivers pay the highest rate in Pioche at $232 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 Pioche
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 Pioche are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Pioche. Their Average 6 Month Premium is $326.
Encompass is the most
expensive at $477 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 Pioche is Country Financial
at $68 per month and $408
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pioche,
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 Pioche, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pioche, 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, Pioche's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pioche
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
30s
Capital Insurance Group
$440
40s
Capital Insurance Group
$411
50s
Capital Insurance Group
$407
60s
Capital Insurance Group
$388
70s
Capital Insurance Group
$392
Cheapest Car Insurance Rates for Teen Drivers in
Pioche,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Pioche at $53
per
month. At $1368 for a six-month premium,
Kemper offers the most expensive rate for
teen drivers.
If you are in your twenties Capital Insurance Group is
the best choice for car
insurance in Pioche.
As young drivers face the highest rates in Pioche, Capital Insurance Group
offers the cheapest auto insurance rates at $440 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 Pioche,
Nationwide is
the cheapest car insurance provider. At $343 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
Pioche is State Farm, offering
rates of around $4989 for six
months.
Save up to $971/yr on car insurance rates in Pioche.
Car Insurance Rates with An Accident in Pioche
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 Pioche, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pioche
The cheapest car insurance companies after an at-fault accident in
Pioche include Capital Insurance Group
and Country Financial, offering $448
and $507,
respectively. AAA is an expensive provider
with an average six-month premium of
$4534.
Here is a list of driving violations that can increase your car
insurance rates in Pioche NV. For example, the car
insurance in Pioche
after a DUI increases to $897 for a six
month policy. While the rate increases by $297 for a six-month policy in the case of
a speeding ticket.
Pioche auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1321
$221
One Med/PIP claim
$1321
$224
Not-at-fault accident
$1380
$230
Two Med/PIP claims
$1380
$234
One comp claim
$1386
$231
Two comp claims
$1449
$246
Failure to wear a seat belt
$1548
$258
Child safety restraint
$1554
$265
Failure to show documents
$1560
$260
Driving without lights
$1584
$270
Driving with expired registration
$1590
$265
Speeding 6 - 10 MPH over limit
$1618
$275
Speeding 11 - 15 MPH over limit
$1624
$270
Speeding 16 - 20 MPH over limit
$1624
$276
Cell phone violation
$1630
$271
Driving too slowly
$1630
$277
Speeding in school zone
$1630
$271
Texting while driving
$1636
$278
Failure to stop at a red light
$1642
$273
Failure to yield
$1642
$279
Illegal turn
$1642
$273
Following too closely
$1653
$281
Wrong way/wrong lane
$1653
$275
Improper passing
$1659
$282
In 65 MPH zone
$1689
$281
Passing school bus
$1735
$295
Speeding 21 - 25 MPH over limit
$1746
$291
At-fault accident - less than $1000
$1776
$302
Operating a vehicle without permission
$1782
$297
Open container
$1869
$318
At-fault accident - $1000-$2000
$1938
$323
At-fault accident - greater than $2000
$1938
$329
Refusal to submit to a chemical test
$2136
$356
Racing
$2212
$376
Driving with a suspended license
$2218
$369
DUI
$2218
$377
Reckless driving
$2241
$373
Leaving scene of an accident/hit and run
$2305
$392
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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 Pioche 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 Pioche.
The cheapest car insurance premiums in
Pioche are
offered by Country Financial at $408 for a six-month policy.
However, it can be as
expensive as $3865 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 Pioche are offered by Country Financial
at $285. However,
it can be as expensive as $634
with companies like Amica for a similar
six-month premium.
Cheapest Car Insurance in Pioche after Speeding ticket
Car insurance rates in Pioche have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pioche rose by
$297 in December
compared to $295 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Pioche rose to $87 in December,
compared to $84 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pioche. At $2542 for a
six-month policy, insuring
your car at 89043 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 Pioche?
The car insurance in Pioche is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Pioche?
The cheapest car insurance in Pioche
is $68 per month
for full coverage.
How much is car insurance in Pioche for teenagers?
Car insurance for teenagers costs $309 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
Pioche?
The average cost of car insurance is $1297 for a six-month
policy. It will cost around $214 per month to insure your
car in Pioche.
Is car insurance expensive in Pioche?
Car insurance can be expensive in Pioche if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pioche can be
affordable.
What is the best car insurance in Pioche,
NV?
The best car insurance company in Pioche
NV is
Country Financial, offering $408 for a
six-month policy.
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