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Cheapest Car Insurance Quotes in Topaz Ranch Estates
Finding the cheapest car insurance quotes in Topaz Ranch Estates 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 Topaz Ranch Estates
The car insurance rate in Topaz Ranch Estates is $1026 for a six-month policy, which is $439 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $291, making it a popular choice for budget-conscious drivers. Rates in Topaz Ranch Estates 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.
Cheapest Car Insurance Companies in Topaz Ranch Estates
1st place: Country Financial
At $291 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 $453 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $561
for six months, making it
the third cheapest auto insurance company in Topaz Ranch Estates.
Topaz Ranch Estates Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Topaz Ranch Estates, NV is Country Financial, offering policies at just $291 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $453.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $1837 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Topaz Ranch Estates drivers find the best deals.
Cheap Car Insurance Companies in Topaz Ranch Estates, NV
Way's key takeaways about car insurance in Topaz Ranch Estates
The auto insurance costs in Topaz Ranch Estates fall around $291 for six
months.
The cheapest auto insurance company in Topaz Ranch Estates is Capital Insurance Group.
Teen drivers pay the highest rate in Topaz Ranch Estates at $1272 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 Topaz Ranch Estates
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 Topaz Ranch Estates are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Topaz Ranch Estates. Their Average 6 Month Premium is $233.
Key Insurance is the most
expensive at $1468 for the same
period.
Cheapest Liability Coverage in Topaz Ranch Estates, NV
Cheapest Full Coverage Car Insurance in Topaz Ranch Estates
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 Topaz Ranch Estates is Country Financial
at $50 per month and $291
for six months.
Cheapest Full Coverage Car Insurance Quotes in Topaz Ranch Estates,
NV
Get Your Car Insurance Quote in Topaz Ranch Estates
Instantly!
Average Car Insurance in Topaz Ranch Estates 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 Topaz Ranch Estates, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Topaz Ranch Estates, 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, Topaz Ranch Estates's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Topaz Ranch Estates
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
Topaz Ranch Estates,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Topaz Ranch Estates at $38
per
month. At $7630 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 Topaz Ranch Estates.
As young drivers face the highest rates in Topaz Ranch Estates, 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 Topaz Ranch Estates,
Nationwide is
the cheapest car insurance provider. At $245 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
Topaz Ranch Estates is American Family, offering
rates of around $2345 for six
months.
Save up to $971/yr on car insurance rates in Topaz Ranch Estates.
Car Insurance Rates with An Accident in Topaz Ranch Estates
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 Topaz Ranch Estates, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Topaz Ranch Estates
The cheapest car insurance companies after an at-fault accident in
Topaz Ranch Estates include Capital Insurance Group
and Country Financial, offering $320
and $362,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3106.
Topaz Ranch Estates Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Topaz Ranch Estates NV. For example, the car
insurance in Topaz Ranch Estates
after a DUI increases to $640 for a six
month policy. While the rate increases by $212 for a six-month policy in the case of
a speeding ticket.
Topaz Ranch Estates auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$944
$158
One Med/PIP claim
$944
$160
Not-at-fault accident
$986
$165
Two Med/PIP claims
$986
$167
One comp claim
$990
$165
Two comp claims
$1035
$176
Failure to wear a seat belt
$1106
$184
Child safety restraint
$1110
$189
Failure to show documents
$1114
$186
Driving without lights
$1131
$193
Driving with expired registration
$1135
$189
Speeding 6 - 10 MPH over limit
$1156
$197
Speeding 11 - 15 MPH over limit
$1160
$193
Speeding 16 - 20 MPH over limit
$1160
$197
Cell phone violation
$1164
$194
Driving too slowly
$1164
$198
Speeding in school zone
$1164
$194
Texting while driving
$1168
$199
Failure to stop at a red light
$1173
$195
Failure to yield
$1173
$200
Illegal turn
$1173
$195
Following too closely
$1181
$201
Wrong way/wrong lane
$1181
$197
Improper passing
$1185
$202
In 65 MPH zone
$1206
$201
Passing school bus
$1239
$211
Speeding 21 - 25 MPH over limit
$1247
$208
At-fault accident - less than $1000
$1268
$216
Operating a vehicle without permission
$1273
$212
Open container
$1335
$227
At-fault accident - $1000-$2000
$1385
$231
At-fault accident - greater than $2000
$1385
$235
Refusal to submit to a chemical test
$1526
$254
Racing
$1580
$269
Driving with a suspended license
$1584
$264
DUI
$1584
$270
Reckless driving
$1601
$267
Leaving scene of an accident/hit and run
$1646
$280
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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 Topaz Ranch Estates 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 Topaz Ranch Estates.
The cheapest car insurance premiums in
Topaz Ranch Estates are
offered by Country Financial at $291 for a six-month policy.
However, it can be as
expensive as $3148 with companies
like Farmers.
Topaz Ranch Estates car insurance quotes with a DUI
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 Topaz Ranch Estates are offered by Country Financial
at $204. However,
it can be as expensive as $3650
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Topaz Ranch Estates after Speeding ticket
Car Insurance Price Trends in Topaz Ranch Estates,
Nevada
Car insurance rates in Topaz Ranch Estates have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Topaz Ranch Estates rose by
$220 in January
compared to $212 of December. In other words, there has been an increase by $8 when you
compare January and December.
The average cost of liability insurance in the Topaz Ranch Estates rose to $70 in January,
compared to $62 in December.
This represents an increase of $8
when comparing January and December.
Average Car Insurance Cost in Topaz Ranch Estates 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
Topaz Ranch Estates. 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 Topaz Ranch Estates?
The car insurance in Topaz Ranch Estates is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Topaz Ranch Estates?
The cheapest car insurance in Topaz Ranch Estates
is $50 per month
for full coverage.
How much is car insurance in Topaz Ranch Estates for teenagers?
Car insurance for teenagers costs $221 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
Topaz Ranch Estates?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $172 per month to insure your
car in Topaz Ranch Estates.
Is car insurance expensive in Topaz Ranch Estates?
Car insurance can be expensive in Topaz Ranch Estates if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Topaz Ranch Estates can be
affordable.
What is the best car insurance in Topaz Ranch Estates,
NV?
The best car insurance company in Topaz Ranch Estates
NV is
Country Financial, offering $291 for a
six-month policy.
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Topaz Ranch Estates Car Insurance
