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Finding the cheapest car insurance quotes in Schurz 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 Schurz
The car insurance rate in Schurz is $1128 for a six-month policy, which is $169 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $362, making it a popular choice for budget-conscious drivers. Rates in Schurz 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 $362 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 $563 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $698
for six months, making it
the third cheapest auto insurance company in Schurz.
Schurz Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Schurz, NV is Country Financial, offering policies at just $362 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $563.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2253 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Schurz drivers find the best deals.
The auto insurance costs in Schurz fall around $362 for six
months.
The cheapest auto insurance company in Schurz is Capital Insurance Group.
Teen drivers pay the highest rate in Schurz at $206 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Schurz
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 Schurz are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Schurz. Their Average 6 Month Premium is $290.
Encompass is the most
expensive at $424 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 Schurz is Country Financial
at $60 per month and $362
for six months.
Cheapest Full Coverage Car Insurance Quotes in Schurz,
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 Schurz, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Schurz, 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, Schurz's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Schurz
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
$391
40s
Capital Insurance Group
$365
50s
Capital Insurance Group
$361
60s
Capital Insurance Group
$345
70s
Capital Insurance Group
$348
Cheapest Car Insurance Rates for Teen Drivers in
Schurz,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Schurz at $47
per
month. At $1215 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 Schurz.
As young drivers face the highest rates in Schurz, Capital Insurance Group
offers the cheapest auto insurance rates at $391 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 Schurz,
Nationwide is
the cheapest car insurance provider. At $305 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
Schurz is State Farm, offering
rates of around $4429 for six
months.
Save up to $971/yr on car insurance rates in Schurz.
Car Insurance Rates with An Accident in Schurz
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 Schurz, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Schurz
The cheapest car insurance companies after an at-fault accident in
Schurz include Capital Insurance Group
and Country Financial, offering $398
and $450,
respectively. AAA is an expensive provider
with an average six-month premium of
$4025.
Here is a list of driving violations that can increase your car
insurance rates in Schurz NV. For example, the car
insurance in Schurz
after a DUI increases to $796 for a six
month policy. While the rate increases by $263 for a six-month policy in the case of
a speeding ticket.
Schurz auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1173
$196
One Med/PIP claim
$1173
$199
Not-at-fault accident
$1225
$204
Two Med/PIP claims
$1225
$208
One comp claim
$1230
$205
Two comp claims
$1287
$218
Failure to wear a seat belt
$1375
$229
Child safety restraint
$1380
$235
Failure to show documents
$1385
$231
Driving without lights
$1406
$239
Driving with expired registration
$1411
$235
Speeding 6 - 10 MPH over limit
$1436
$244
Speeding 11 - 15 MPH over limit
$1442
$240
Speeding 16 - 20 MPH over limit
$1442
$245
Cell phone violation
$1447
$241
Driving too slowly
$1447
$246
Speeding in school zone
$1447
$241
Texting while driving
$1452
$247
Failure to stop at a red light
$1457
$243
Failure to yield
$1457
$248
Illegal turn
$1457
$243
Following too closely
$1468
$250
Wrong way/wrong lane
$1468
$244
Improper passing
$1473
$251
In 65 MPH zone
$1499
$250
Passing school bus
$1540
$262
Speeding 21 - 25 MPH over limit
$1550
$258
At-fault accident - less than $1000
$1576
$268
Operating a vehicle without permission
$1582
$264
Open container
$1659
$282
At-fault accident - $1000-$2000
$1721
$287
At-fault accident - greater than $2000
$1721
$292
Refusal to submit to a chemical test
$1897
$316
Racing
$1964
$334
Driving with a suspended license
$1969
$328
DUI
$1969
$335
Reckless driving
$1990
$331
Leaving scene of an accident/hit and run
$2046
$348
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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 Schurz 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 Schurz.
The cheapest car insurance premiums in
Schurz are
offered by Country Financial at $362 for a six-month policy.
However, it can be as
expensive as $3431 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 Schurz are offered by Country Financial
at $253. However,
it can be as expensive as $563
with companies like Amica for a similar
six-month premium.
Cheapest Car Insurance in Schurz after Speeding ticket
Car insurance rates in Schurz have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Schurz rose by
$264 in December
compared to $262 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 Schurz rose to $77 in December,
compared to $75 in November.
This represents an increase of $2
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
Schurz. At $2256 for a
six-month policy, insuring
your car at 89427 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 Schurz?
The car insurance in Schurz is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Schurz?
The cheapest car insurance in Schurz
is $60 per month
for full coverage.
How much is car insurance in Schurz for teenagers?
Car insurance for teenagers costs $274 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
Schurz?
The average cost of car insurance is $1297 for a six-month
policy. It will cost around $190 per month to insure your
car in Schurz.
Is car insurance expensive in Schurz?
Car insurance can be expensive in Schurz if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Schurz can be
affordable.
What is the best car insurance in Schurz,
NV?
The best car insurance company in Schurz
NV is
Country Financial, offering $362 for a
six-month policy.
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