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Finding the cheapest car insurance quotes in Nellis 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 Nellis
The car insurance rate in Nellis is $1115 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $806, making it a popular choice for budget-conscious drivers. Rates in Nellis 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 $806 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $888 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $925
for six months, making it
the third cheapest auto insurance company in Nellis.
Nellis Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Nellis, WV is USAA, offering policies at just $806 for a six-month term. This is followed by Erie, which has an average six-month premium of $888.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1574 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nellis drivers find the best deals.
The auto insurance costs in Nellis fall around $806 for six
months.
The cheapest auto insurance company in Nellis is USAA.
Teen drivers pay the highest rate in Nellis at $997 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 Nellis
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 Nellis are given below.
USAA provides
the cheapest minimum car insurance
coverage in Nellis. Their Average 6 Month Premium is $201.
Nationwide is the most
expensive at $636 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 Nellis is USAA
at $136 per month and $806
for six months.
Cheapest Full Coverage Car Insurance Quotes in Nellis,
WV
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 Nellis, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Nellis, West Virginia, may be increasing due to several external factors.
West Virginia has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Nellis's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Nellis
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
Nellis,WV
If you are planning to get a car insurance policy for your teenage
dependent, Erie provides the cheapest car
insurance in the Nellis at $202
per
month. At $5988 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Nellis.
As young drivers face the highest rates in Nellis, 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 Nellis,
Westfield is
the cheapest car insurance provider. At $799 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
Nellis is State Farm, offering
rates of around $4565 for six
months.
Save up to $971/yr on car insurance rates in Nellis.
Car Insurance Rates with An Accident in Nellis
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 Nellis, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Nellis
The cheapest car insurance companies after an at-fault accident in
Nellis include Encompass
and Erie, offering $390
and $705,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$2468.
Here is a list of driving violations that can increase your car
insurance rates in Nellis WV. For example, the car
insurance in Nellis
after a DUI increases to $843 for a six
month policy. While the rate increases by $207 for a six-month policy in the case of
a speeding ticket.
Nellis auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1090
$181
One Med/PIP claim
$1090
$186
One comp claim
$1127
$188
Not-at-fault accident
$1133
$193
Two Med/PIP claims
$1140
$190
Two comp claims
$1197
$204
Failure to wear a seat belt
$1221
$204
Failure to show documents
$1240
$211
Driving without lights
$1253
$209
Cell phone violation
$1291
$219
Texting while driving
$1291
$215
Speeding 6 - 10 MPH over limit
$1297
$220
Driving with expired registration
$1304
$217
Driving too slowly
$1310
$223
Failure to stop at a red light
$1310
$218
Following too closely
$1310
$223
Illegal turn
$1310
$218
Improper passing
$1310
$223
Speeding 11 - 15 MPH over limit
$1310
$218
Speeding in school zone
$1310
$223
Wrong way/wrong lane
$1310
$218
Failure to yield
$1315
$224
Speeding 16 - 20 MPH over limit
$1315
$219
In 65 MPH zone
$1322
$225
Speeding 21 - 25 MPH over limit
$1322
$220
Passing school bus
$1354
$230
Child safety restraint
$1360
$227
Operating a vehicle without permission
$1360
$231
At-fault accident - less than $1000
$1461
$244
Open container
$1473
$250
At-fault accident - $1000-$2000
$1587
$264
At-fault accident - greater than $2000
$1587
$270
Driving with a suspended license
$1744
$290
Reckless driving
$1814
$308
DUI
$1933
$322
Refusal to submit to a chemical test
$1933
$329
Racing
$1940
$323
Leaving scene of an accident/hit and run
$1945
$331
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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 Nellis 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 Nellis.
The cheapest car insurance premiums in
Nellis are
offered by Erie at $1007 for a six-month policy.
However, it can be as
expensive as $3097 with companies
like Nationwide.
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 Nellis are offered by Westfield
at $567. However,
it can be as expensive as $1977
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Nellis after Speeding ticket
Car Insurance Price Trends in Nellis,
West Virginia
Car insurance rates in Nellis have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Nellis rose by
$235 in January
compared to $206 of December. In other words, there has been an increase by $29 when you
compare January and December.
The average cost of liability insurance in the Nellis rose to $51 in January,
compared to $49 in December.
This represents an increase of $2
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Nellis. At $2230 for a
six-month policy, insuring
your car at 25142 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 Nellis?
The car insurance in Nellis is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Nellis?
The cheapest car insurance in Nellis
is $136 per month
for full coverage.
How much is car insurance in Nellis for teenagers?
Car insurance for teenagers costs $1203 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
Nellis?
The average cost of car insurance is $1052 for a six-month
policy. It will cost around $188 per month to insure your
car in Nellis.
Is car insurance expensive in Nellis?
Car insurance can be expensive in Nellis if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Nellis can be
affordable.
What is the best car insurance in Nellis,
WV?
The best car insurance company in Nellis
WV is
USAA, offering $806 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Nellis, WV
Car Insurance Rates by State in the USA (2025 Update)
Nellis Car Insurance
