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Finding the cheapest car insurance quotes in Searchlight 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 Searchlight
The car insurance rate in Searchlight is $1375 for a six-month policy, which is $78 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Searchlight 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 $441 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 $686 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $850
for six months, making it
the third cheapest auto insurance company in Searchlight.
Searchlight Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Searchlight, NV is Country Financial, offering policies at just $441 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $686.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2745 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Searchlight drivers find the best deals.
Way's key takeaways about car insurance in Searchlight
The auto insurance costs in Searchlight fall around $441 for six
months.
The cheapest auto insurance company in Searchlight is Capital Insurance Group.
Teen drivers pay the highest rate in Searchlight at $251 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 Searchlight
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 Searchlight are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Searchlight. Their Average 6 Month Premium is $353.
Encompass is the most
expensive at $516 for the same
period.
Cheapest Full Coverage Car Insurance in Searchlight
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 Searchlight is Country Financial
at $73 per month and $441
for six months.
Cheapest Full Coverage Car Insurance Quotes in Searchlight,
NV
Get Your Car Insurance Quote in Searchlight
Instantly!
Average Car Insurance in Searchlight 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 Searchlight, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Searchlight, 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, Searchlight's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Searchlight
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
$476
40s
Capital Insurance Group
$444
50s
Capital Insurance Group
$440
60s
Capital Insurance Group
$420
70s
Capital Insurance Group
$424
Cheapest Car Insurance Rates for Teen Drivers in
Searchlight,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Searchlight at $57
per
month. At $1480 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 Searchlight.
As young drivers face the highest rates in Searchlight, Capital Insurance Group
offers the cheapest auto insurance rates at $476 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 Searchlight,
Nationwide is
the cheapest car insurance provider. At $371 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
Searchlight is State Farm, offering
rates of around $5396 for six
months.
Save up to $971/yr on car insurance rates in Searchlight.
Car Insurance Rates with An Accident in Searchlight
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 Searchlight, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Searchlight
The cheapest car insurance companies after an at-fault accident in
Searchlight include Capital Insurance Group
and Country Financial, offering $484
and $548,
respectively. AAA is an expensive provider
with an average six-month premium of
$4905.
Here is a list of driving violations that can increase your car
insurance rates in Searchlight NV. For example, the car
insurance in Searchlight
after a DUI increases to $970 for a six
month policy. While the rate increases by $321 for a six-month policy in the case of
a speeding ticket.
Searchlight auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1429
$239
One Med/PIP claim
$1429
$243
Not-at-fault accident
$1492
$249
Two Med/PIP claims
$1492
$253
One comp claim
$1499
$250
Two comp claims
$1568
$266
Failure to wear a seat belt
$1675
$279
Child safety restraint
$1681
$286
Failure to show documents
$1688
$281
Driving without lights
$1713
$292
Driving with expired registration
$1719
$286
Speeding 6 - 10 MPH over limit
$1750
$298
Speeding 11 - 15 MPH over limit
$1756
$293
Speeding 16 - 20 MPH over limit
$1756
$299
Cell phone violation
$1763
$294
Driving too slowly
$1763
$300
Speeding in school zone
$1763
$294
Texting while driving
$1769
$301
Failure to stop at a red light
$1776
$296
Failure to yield
$1776
$302
Illegal turn
$1776
$296
Following too closely
$1788
$304
Wrong way/wrong lane
$1788
$298
Improper passing
$1795
$305
In 65 MPH zone
$1826
$304
Passing school bus
$1876
$319
Speeding 21 - 25 MPH over limit
$1889
$315
At-fault accident - less than $1000
$1921
$326
Operating a vehicle without permission
$1927
$321
Open container
$2021
$343
At-fault accident - $1000-$2000
$2097
$350
At-fault accident - greater than $2000
$2097
$356
Refusal to submit to a chemical test
$2311
$385
Racing
$2392
$407
Driving with a suspended license
$2399
$400
DUI
$2399
$408
Reckless driving
$2424
$404
Leaving scene of an accident/hit and run
$2493
$424
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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 Searchlight 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 Searchlight.
The cheapest car insurance premiums in
Searchlight are
offered by Country Financial at $441 for a six-month policy.
However, it can be as
expensive as $4181 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 Searchlight are offered by Country Financial
at $308. However,
it can be as expensive as $686
with companies like Amica for a similar
six-month premium.
Cheapest Car Insurance in Searchlight after Speeding ticket
Car insurance rates in Searchlight have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Searchlight rose by
$321 in December
compared to $319 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 Searchlight rose to $94 in December,
compared to $91 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Searchlight 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
Searchlight. At $2749 for a
six-month policy, insuring
your car at 89046 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 Searchlight?
The car insurance in Searchlight is $58 per month, which is lower than the national average.
What is the cheapest car insurance in Searchlight?
The cheapest car insurance in Searchlight
is $73 per month
for full coverage.
How much is car insurance in Searchlight for teenagers?
Car insurance for teenagers costs $334 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
Searchlight?
The average cost of car insurance is $1297 for a six-month
policy. It will cost around $231 per month to insure your
car in Searchlight.
Is car insurance expensive in Searchlight?
Car insurance can be expensive in Searchlight if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Searchlight can be
affordable.
What is the best car insurance in Searchlight,
NV?
The best car insurance company in Searchlight
NV is
Country Financial, offering $441 for a
six-month policy.
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