The Full Nevada Auto Insurance Guide [Providers + Coverage]

Show me the money!

Nevada is known for showing (and taking) the money. Nevada is known for the nightlife of gambling and entertainment. It is also the largest producer of gold.

So, we want to keep the money where you like it – in your pocket.

Insurance can be tricky, where to get it and how much you need can be confusing. We are here to help. We have compiled a comprehensive look at insurance in Nevada.

What affects your rates? What companies are in your state? When should I renew my license? These are all questions and more we will be covering.

Ready to get a quote? We have you covered with that too. Enter your zip code and use our free comparison tool to get quotes now.

Nevada Car Insurance Coverage and Rates

Liability limits, comprehensive, collision, and more are terms you hear often when looking for insurance. But, what do they really mean?

We are going to look at what type of coverage you are required to have, how to show it, and other coverages you may want to take a look at when looking for insurance.

Between Reno’s famous air show, the nightlife of Las Vegas, and the Hoover Dam you have more enjoyable things to do or places to spend your money than insurance. So let’s go ahead and dig into all the world of insurance.

Nevada’s Car Culture

Shows like Counting Cars and Vegas Rat Rods show the love of nostalgic cars in Nevada. Both of these shows are filmed in Nevada’s very own Las Vegas.

But, Vegas isn’t the only city to show its love for cars. Reno, Nevada is home to the National Automobile Museum. This museum features over 200 cars portraying this history of cars from the 1800s to the current day.

And who would want to miss a massive open field of junked and painted cars carefully placed on top of each other? You can visit the International Car Forest of the Last Church in Goldfield to see this sight.

The state also has a love for racing. Las Vegas Motor Speedway hosts many NASCAR events.

While Nevada is known for the city lights of Las Vegas, not all of the state is like as populated. Nevada offers wide-open roads for drivers of all kinds to enjoy their vehicle of choice.

Nevada Minimum Coverage

It is never safe to drive without insurance, for you or for other drivers on the road. Nevada, like most states, requires a minimum amount of insurance all drivers must car on their vehicles.

Let’s break down these required coverages.

• $20,000 per accident to cover the total property damage
• $25,000 per person to cover the bodily injury or death of any person
• $50,000 per accident to cover total bodily injury or death liability

Liability coverage is used to recover losses for the party not at fault. So, if you are the one driving and caused the accident liability coverage will not pay for your loss. You are the one held liable for the accident.

This is why most drivers opt to have higher amounts of coverage than the minimum required. We will take a look at more coverages available as we continue.

Forms of Financial Responsibility

Financial responsibility is the ability to pay for a loss that occurs if you cause it, also a fancy way of saying insurance.

Any time a police officer or government employee (DMV when registering a new car) request proof of insurance, you must be able to show proof.

Proof can be a declarations page of your policy or an identification card showing valid insurance. Nevada also allows drivers to show proof electronically on a mobile device. No more searching through your glove compartment.

Nevada also offers an easy way for law enforcement to check for uninsured drivers. Nevada LIVE is a database of all drivers that continuously validate drivers and their insurance.

Premiums as a Percentage of Income

As of 2018, the disposable income of an average Nevada resident was $49,176. So how much of that income is going towards your insurance?

Over the course of three years, Nevada insurance averages slightly above $1,000 annually making it a little under three percent going towards insurance.

This is much higher than the countrywide average of 2.5 percent.

Interested in finding out how much you personally put towards insurance? Check out our percentage calculator.

CalculatorPro

Core Coverage

TheNational Association of Insurance Commissioners takes the average premium of coverages offered by a state. This average is based on state minimum coverage.

As we discussed earlier, liability coverage is used when you are the driver at fault of the accident. Coverages, like comprehensive and collision, are coverages used to fix your vehicle no matter who is at fault.

Nevada does not mandate these coverages, but in the event of a leased or financed car, your dealer or financer may require them.

Keep reading to find out about more liability coverages you can add to your auto policy.

Additional Liability

Additional coverages you can add to your policy are medical payments (med pay) and uninsured/underinsured motorist coverage.

Med pay is an additional payment you can receive to help pay for medical bills. This coverage can be used regardless of fault and to anyone in the vehicle at the time of the accident.

Uninsured/underinsured motorist coverage is used when you are hit by a vehicle carrying either no coverage or not enough to cover your loss. This is great additional liability coverage to add to your policy, especially if you drive a luxury car and more expensive to fix.

Nevada rates 29th in the US for uninsured motorists.

When an insured is looking at how much a company pays out for losses, they would look at loss ratio. The loss ratio is premium earned to claims filed. For instance, if a company has $100,000 in earned premium and pays out $60,000 in claims, the loss ratio is 60 percent.

If the loss ratio is over 100 percent, the company isn’t making money and that could be an indicator of financial problems in the future. If the loss ratio is low, say 30-40 percent, then they do not pay out in claims.

Now let’s move on to look at other endorsements you can add to your policy.

Add-ons, Endorsements, and Riders

There are so many options that can be added to your auto policy to make sure you are fully covered. Below is a brief list of the most commonly used endorsements.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

It is always a great idea to talk to your agent and relay your needs so your agent can make sure you have the proper riders added and you have no gaps in coverage.

– Male vs. Female Rates

Check out our table below, information is provided by Quadrant Data.

Gender and age can affect how much you pay for insurance. Teen drivers pay a much higher premium than experienced, older drivers.

Men tend to pay slightly more than women, but some companies do not show a difference in gender.

Here we have averages listed for companies and ranked in order of highest to lowest.

Read more: Mid-Century Insurance Company: Customer Ratings & Reviews

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Best Nevada Car Insurance Companies

The next part of this insurance equation is finding a company. There are so many different carriers you can choose from that it can be a little overwhelming trying to figure out which one is a great fit for your needs.

Rest assured we are going to take that burden off your back. We are going to cover all the good, and bad, with available companies in Nevada.

We will also take a look at their rates. Depending on your circumstances, your rate could be different from each company. For instance, some companies rate more for commuting while another may weigh more on credit history.

First up, we will take a look at financial rates and the best customer ratings.

– The Largest Companies Financial Rating

AM Best is a rating company that solely focuses on the insurance industry. As a global company, AM Best rates insurers across the country in their financial status.

State Farm, Geico, and USAA lead the pack with the highest financial rating.

– Companies with Best Ratings

We all want good rates when we are looking for insurance. Drivers want great coverage at the cheapest price. Once you find great coverage, you then want great customer service. No one wants to deal with a customer service representative that isn’t helpful or short in conversation.

J.D. Power looks at services, products, and companies and rates them from customer reviews.

Out of the fourteen companies listed above, three make the list of “among the best.” USAA is listed and rated, but not included in the colored chart. Please remember USAA is for military, veterans, and eligible family members.

– Companies with Most Complaints in Nevada 

With all the good sometimes there is also negative. All companies will eventually get a complaint. Keep in mind, some of these companies have thousands of customers so their complaint ratio is extremely low even with higher numbers of complaints.

The Nevada Division of Insurance has the 2018 Consumer Complaint Report listing all complaints in the state of Nevada.

Looking at a company’s list of complaints can help determine if that company is a good fit for your needs and if you may have trouble with them in the future.

Read more: CSAA General Insurance Company Review

– Cheapest Companies in Nevada

So, let’s get down to it – which companies are the cheapest?

We looked at the top ten largest companies in Nevada and compared each of them to the state average. Take a look at how these companies compare.

USAA, Depositor’s Insurance, and Geico are the cheapest insurance companies when comparing to the state average. Progressive is also a company well below the state average premium.

Now we are going to dig into what makes rates different for each company. We will look at the commuting time, credit history, and more of what goes into getting your annual premium.

– Commute Rates by Companies

First up, we are going to look at commuting. If you travel to work, you could have a higher premium. Why? Well, it does make sense. The more you are on the road you have more of an opportunity to get into an accident or suffer some type of loss.

Let’s take a look.

American Family, Geico, State Farm, and USAA are companies that do differ in rates in regards to commuting time. If you do have a longer commute, those companies may still have better rates but be aware you are getting rated on your commuting time.

Coverage Level Rates by Companies

As we mentioned earlier, you must have the minimum required insurance limits on your vehicle. But, we also mentioned, you should think about having higher limits when you purchase insurance. So, what is it going to cost you?

Below we compared three levels of coverage with each company.

As you can see, with some companies the rate increase for a higher coverage isn’t as high as maybe you would have thought.

Some companies, like Nationwide and American Family, have a difference of around two hundred dollars between the low coverage and high coverage.

Always get the quote. You may think it will be too expensive and you can not afford the premium, but remember this table – sometimes it is a lot cheaper than you think.

– Credit History Rates by Companies

The credit history used for insurance rates is a little different than what they are used for in major purchases like a car or home.

Insurance companies use your credit score, but only certain factors of your credit that would affect your ability to pay your premiums.

Some states, such as California and Massachusetts, do not use credit as a factor in rating your insurance. Nevada does use credit. So, let’s take a look at how your credit can affect Nevada car insurance rates.

Take a look at State Farm. The difference between good credit and poor credit is almost $8,000 a year. If you do have a poor credit score, Travelers or Progressive may be a good fit due to rates not as drastically being influenced by your credit.

– Driving Record Rates by Companies

Your driving record is one of the more obvious factors of rating your insurance premium. You see flashing blue lights in your rearview mirror and you know you have fees, court costs, and increased insurance premium.

Let’s see how much that ticket, accident, or DUI conviction costs you.

Having a driving under the influence conviction will cause your rate to spike the most. Not only can they harm or take lives, but a conviction could also drain your wallet.

Largest Car Insurance Companies in Nevada

State Farm leads the pack as the largest insurance company writing in Nevada.

State Farm is followed by Geico and Progressive as the largest writing companies.

Number of Insurers by State

Nevada residents have 882 insurers to choose from when looking for insurance.

Domestic insurers simply mean the company was formed in the state. While foreign means the company was created out of state. The overwhelming majority of available insurers come from out of state.

Nevada Laws

We covered the confusing part of insurance now to venture into even more confusing territory – laws.

We are going to dig through some of Nevada’s laws. We will take a look at certain state laws and licensing laws along with road safety and distracted driving laws.

Car Insurance Laws

State laws can affect car insurance laws. Ceratin laws, like windshield, fraud, and statute of limitations, determine how insurance is filed in the event of a loss.

How State Laws for Insurance are Determined

Nevada insurance companiesmust file rates for approval prior to use. They are filed with the state insurance department.

Windshield Coverage

Driving down the road, you hear the crack of a rock on your windshield. Do you have coverage to repair or replace your windshield?

There are no unique laws in Nevada regarding windshields. Nevada insurers do not require certain repair shops to be used, but you may be held responsible for the difference in price.

No laws regarding aftermarket parts.

If you add comprehensive coverage to your auto insurance policy, you may have windshield coverage. Some companies offer windshield replacement under comprehensive.

High-Risk Insurance

Are you considered high-risk? Do you need SR-22 filing on your insurance? If your answer is yes, you may not qualify for insurance in a voluntary market.

Too many tickets or DUI convictions can make it hard to obtain insurance from just any company. Sometimes, it may push you into a residual market.

Nevada offers the Nevada Automobile Insurance Plan.

This plan is not a low-cost insurance plan. It is considered a last resort since you must have insurance to drive.

If you need SR-22, you may still qualify for a voluntary market insurance plan. Drivers needing an SR-22 filing have either been convicted of driving without coverage or have a lengthy record. SR-22 is not insurance. It is filed by your insurance company to your Department of Motor Vehicles office to verify you do have insurance coverage.

Low-Cost Insurance

At this time, Nevada does not offer a low-cost insurance plan.

The best way to get the cheapest insurance is to keep a clean record, good credit, and shop around your insurance.

You can start here by entering your zip code to get a free, no-obligation quote.

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Automobile Insurance Fraud in Nevada

Insurance fraud is considered a serious crime.

If you are convicted of insurance fraud in Nevada, you can face up to four years in prison and have a fine of up to $5,000.

You can also be ordered to pay restitution.

So what is a fraudulent act? Below is taken from the state law regarding what insurance fraud is.

1.  “Insurance fraud” means knowingly and willfully:

(a) Presenting or causing to be presented any statement to an insurer, a reinsurer, a producer, a broker or any agent thereof, if the person who presents or causes the presentation of the statement knows that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to an application for the issuance of a policy of insurance.

(b) Presenting or causing to be presented any statement as a part of, or in support of, a claim for payment or other benefits under a policy of insurance, if the person who presents or causes the presentation of the statement knows that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to that claim.

(c) Assisting, abetting, soliciting or conspiring with another person to present or cause to be presented any statement to an insurer, a reinsurer, a producer, a broker or any agent thereof, if the person who assists, abets, solicits or conspires knows that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to an application for the issuance of a policy of insurance or a claim for payment or other benefits under such a policy.

(d) Acting or failing to act with the intent of defrauding or deceiving an insurer, a reinsurer, a producer, a broker or any agent thereof, to obtain a policy of insurance or any proceeds or other benefits under such a policy.

(e) As a practitioner, an insurer or any agent thereof, acting to assist, conspire with or urge another person to commit any act or omission specified in this section through deceit, misrepresentation or other fraudulent means.

(f) Accepting any proceeds or other benefits under a policy of insurance, if the person who accepts the proceeds or other benefits knows that the proceeds or other benefits are derived from any act or omission specified in this section.

(g) Employing a person to procure clients, patients or other persons who obtain services or benefits under a policy of insurance for the purpose of engaging in any act or omission specified in this section, except that such insurance fraud does not include contact or communication by an insurer or an agent or representative of the insurer with a client, patient or other person if the contact or communication is made for a lawful purpose, including, without limitation, communication by an insurer with a holder of a policy of insurance issued by the insurer or with a claimant concerning the settlement of any claims against the policy.

(h) Participating in, aiding, abetting, conspiring to commit, soliciting another person to commit, or permitting an employee or agent to commit any act or omission specified in this section.

Nevada has an insurance fraud unit that only deals with and investigates fraudulent claims. If you suspect fraud is being committed, please report to:

• Online form
• Website: ag.nv.gov
• By phone: 775-684-1100 (Carson City office),702-486-3420 (Las Vegas office), 775-687-2100 (Reno office)

Statute of Limitations

The statute of limitations is the time frame you have to file a lawsuit.

This is different than filing the initial claim with your insurance company. You must file the claim as soon as possible to avoid more damage and loss of evidence.

In Nevada, residents have two years for personal injury and three years for bodily injury.

Vehicle Licensing Laws

Just like your car needs insurance, you need a license to operate a vehicle.

Whether you are new to Nevada or just need to renew your license, we are going to take a look at how to keep you as the driver legal on the roads.

Real ID

In 2005, Congress passed the Real ID Act. This act tightens up laws in the issuance of driver’s licenses. If you state complies with the regulations set by Congress, you can use your driver’s license to board commercial flights and as identification to enter federal buildings.

Nevada is a complaint state for the Real ID.

This program is completely optional, but if you fly commercially or ever need to obtain entry on a military base or other federal property you will need to update your license.

Nevada residents have until October 1, 2020, or until their license expires to change to the Real ID-compliant license.

Penalties for Driving Without Insurance

Driving without insurance is illegal and dangerous.

The below chart is taken from the Nevada Department of Motor Vehicles.

Multiple offenses can cost you suspensions, fines, reinstatement fees, and even require SR-22 filing for your insurance.

Teen Driver Laws

At fifteen years and six months, teens can hold a learner’s permit. Drivers with a learner’s permit must have 50 hours of driving with 10 hours being at night. Teens with a learner’s permit must drive with a licensed driver 21 years or older.

Once a driver has possessed a learner’s permit for six months with no violations, they are ready to receive their minor license. Teen drivers ready for their minor license must go to DMV with a legal guardian and pass a behind the wheel test.

This license allows them to drive alone, but with restrictions. Teens with a minor license must follow these restrictions:

• For the first six months, drivers can only transport passengers 18 and older unless immediate family members.
• Teens can not drive between 10 pm and 5 am, unless from a school activity or work. This restriction is until the driver turns 18.

All teen drivers and passengers must wear seatbelts.

Older Driver License Renewal Procedures

At age 65, residents of Nevada must renew their licenses every four years. Drivers over the age of 65 can renew online, by mail, or in person. Every other renewal must be done in person. At age 71, all drivers must show proof of adequate vision at the time of renewal.

New Residents

Welcome to Nevada.

You must be a legal resident of Nevada to hold a Nevada state license. In order to have a Nevada state license, you must surrender your out-of-state license. You must also bring proof of identity, proof of residence, and social security card.

License renewal procedures

Drivers 65 years and younger must renew their licenses every eight years. You can renew your license online or by mail if you chose to have a four-year license. Every eight years you must go in person to your local DMV office.

If you are late renewing your license, you must pay a $10 fee. If your license has been expired for more than a year, you must take the written test. The skills test is required if your license has been expired for four or more years.

Negligent Operator Treatment System (NOTS)

You can be convicted of reckless driving for the following offenses:

• Disregarding the safety of others when driving
• Street racing
• Failing to yield to a police officer

Depending on the type and level of reckless driving, a driver can face fines, suspension, jail time, and community service.

A first offense conviction of reckless driving can bring up to six months in jail and/or fines from $250 to $1,000.

Most reckless driving convictions are classified as a misdemeanor. If a driver is convicted of reckless driving and due to that violation causes serious bodily harm or even death, they can be charged with a felony and lose their license for up to three years.

Rules of the Road

To be a safe driver, you need to know the rules of the road. These rules keep everyone safe on the roads if followed.

Let’s take a look at Nevada seatbelt laws, speed limits, ridesharing, and more.

Fault vs. No-Fault

Nevada is an at-fault state. This means whoever is at fault for the accident files the insurance and their liability pays out for the other party. It doesn’t end there though.

Nevada also follows a comparative negligence rule. This means if you are less than 50 percent at fault you can recover your loss. If you do have some part at fault, you can not recover that percentage. For instance, if you have a claim totaling $100,000 and found forty percent at fault, you can only recover $60,000 for your loss.

Seat belt and car seat laws

Seat belts are required for any passengers 6 years and older in front or back seats. This is not a primary offense, this means an officer will not pull you over for only this offense. There is a maximum fee of $25 for this violation.

All children 5 years and younger and weighing 60 pounds or less must be in a child safety seat. The minimum fine for this violation is $100 up to $500. The fine can be substituted with 10 to no more than 50 hours of community service.

Riding in the cargo area of a truck is not allowed for passengers under the age of 18. Exceptions are made for farming and parades.

Keep Right and Move Over Laws

Nevada law requires drivers to slow below the posted speed limit when approaching emergency vehicles with flashing lights. If safety permits, the driver should vacate the closest lane to the emergency vehicle.

Drivers should also keep right if driving below the speed limit.

Speed Limits

Speed limits are posted on most roadways. Rural interstates have a limit of 80 mph while urban interstates are slower at 65 mph. Other roads or limited-access roads are set at 70 mph.

Speed limits are subject to change, especially in construction zones.

Ridesharing

Ridesharing has become a popular way to get around during a night out or make some extra cash on the side. But, what happens if you are driving while on the clock with a company like Uber or Lyft?

Well, most drivers do not need to purchase a commercial policy for driving for a ridesharing company. Uber and Lyft offer commercial coverage of $1.5 million in the event of an accident.

It is always a good idea to inform your personal auto policy of how you use your vehicle to make sure there no gaps in coverage.

Automation on the Road (IIHS)

Cars driving themselves are no longer a thing of the future. Most cars have some type of automation whether it be adaptive cruise control or self-parking features.

Nevada does allow the deployment of autonomous vehicles on its roadways. You must have liability insurance and depending on the level of automation you may not need a licensed driver in the car.

Safety Laws

Two of the biggest safety laws include alcohol and cell phones. While alcohol takes lives, drivers still get behind the wheel after drinking.

Cell phones have become a necessity for most adults and teens. Unfortunately, drivers place cell phones of more importance than safety causing serious accidents.

DUI Laws

Driving under the influence of alcohol can take lives, but if you are lucky enough to walk away without harming yourself or others you will have some other consequences coming your way. You can lose your license, fines, and even jail time.

Marijuana-Impaired Driving Laws

While recreational use of marijuana is legal in Nevada, driving while using is no different than driving while under the influence of alcohol.

No driver, or passenger, can use marijuana in a motor vehicle. If you have two or more nanograms of THC in your system, you are impaired.

Distracted Driving Laws

There are many things that can distract drivers on the road. They can range from phones and grooming to eating and changing the music. We are going to focus on the use of cell phones.

It is illegal in Nevada to use a hand-held cellular device. This law includes maps, texting, and any internet usage.

You are allowed to use a cell phone with a hands-free option.

First offense convictions incur a fine of $50 and subsequent fines range from $100 – $250. If the violation occurs in a work zone, the fine can be doubled.

Driving in Nevada

We have covered a lot of information so far. In this next section, we are going to focus on statistics. We are going to take a brief look at car theft, but then we are going to really dig into fatality statistics in Nevada.

Being informed with statistics can save lives by knowing when and where most fatal accidents occur.

Vehicle Theft in Nevada

Does your car make the list of the top stolen vehicles in Nevada?

Hondas take the top two spots followed by Chevy and Ford pick-up trucks. The years listed for all vehicles are the most popular year stolen.

https://www.youtube.com/watch?v=wBr5G_e4av4

And remember when we talked about cities and zipcodes changing your premium? This is why. We took a look at the FBI crime data to see which cities have more auto theft.

Insurance companies take a look at which places have higher crime and rate cities with more crime higher than others.

Road Fatalities in Nevada

Here come the stats. We have statistics for where, when, who and why fatalities occur. All tables use data from the National Highway Traffic Safety Administration.

Most fatal highway in Nevada

Interstate 80 is the most fatal highway located in Nevada. It sees an average of 15 fatal accidents a year.

Fatal Crashes by Weather Condition and Light Condition

Let’s take a look at how weather and light make a difference in fatal accidents.

Normal, daylight hours see more fatalities than any other light or weather condition.

Fatalities (All Crashes) by County

Urban cities saw more fatalities than rural areas with lower population.

Traffic Fatalities

It is no surprise that urban roads had more fatalities than rural roads.

Fatalities by Person Type

Here is a breakdown of fatalities by person type.

Fatalities by Crash Type

Single-vehicle fatalities were the highest amoung crash type fatalities.

Five-Year Trend For The Top 10 Counties

We looked at the trend of fatalities from 2013-2018 in the top 10 counties in Nevada.

Fatalities Involving Speeding by County

Speeding causes serious accidents and sometimes even fatalities.

Also, the trend continued of higher populated cities had more fatalities.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Clark County tops the list with the most fatalities involving alcohol.

Teen Drinking and Driving

While Nevada has teen drinking and driving, they are on average with the rest of the nation.

EMS Response Time

In the event of an accident, knowing if EMS can get you quickly and get you to a hospital is imperative.

In urban areas, EMS can have injured patients to a hospital in under 30 minutes. While on rural roads, it will take a little over an hour.

Transportation

Lastly, we are going to look at transportation. How do Nevada residents get to work and how long do they travel to get there?

We will also wrap up with traffic congestion.

Like most Americans, Nevada households usually have two vehicles.

Commute Time

According to Census.gov, the average commute time for Nevada residents is around 23 minutes.

Commuter Transportation

Again, like most Americans, Nevada residents prefer driving to work alone with well over 70 percent choosing that option according to Census.gov. The next option is carpool with right at 10 percent and nothing else comes close.

Traffic Congestion in Nevada

Metropolitan areas are known for traffic and congestion, especially during peak hours.

Let’s take a look at two of the largest cities in Nevada, Las Vegas and Reno, and what IRNIX says about their traffic congestion. 

The average cost of traffic congestion in both cities is under $1,000 a year.

You made it through our comprehensive guide to finding the cheapest insurance in Nevada. We hope you are well on your way to making the best decision for your insurance needs.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Start your search by entering your zip code here and using our free comparison tool.

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