# What car insurance costs in Elko: 23 insurers, rates published by the state

Nevada Division of Insurance, Consumer's Guide to Automobile Insurance Rates 2026 rates every insurer for the same fixed example so people can compare them. This is that table for Elko, as published for 2026: 45-year-old couple, clean records, average credit; 2025 Toyota Corolla LE; 100/300/50 BI/PD, $5k med pay, 100/300 UM, $250/$500 deductibles; Elko. Sorted from the lowest.

| Insurer | Monthly | Annual |
| --- | --- | --- |
| American Family Connect Property & Casualty Insurance Company | $68 | $814 |
| United Services Automobile Assocation | $69 | $833 |
| Nevada Capital Insurance Company | $75 | $905 |
| USAA Casualty Insurance Company | $76 | $907 |
| Progressive Direct Insurance Company | $78 | $933 |
| USAA General Indemnity Company | $79 | $944 |
| Mercury Casualty Company | $86 | $1028 |
| CSAA General Insurance Company | $86 | $1032 |
| GEICO Secure Insurance Company | $87 | $1044 |
| COUNTRY Preferred Insurance Company | $90 | $1080 |
| Garrison Property and Casualty Insurance Company | $90 | $1080 |
| Liberty Mutual Personal Insurance Company | $102 | $1220 |
| Coast National Insurance Company | $103 | $1241 |
| Progressive Northern Insurance Company | $106 | $1266 |
| State Farm Mutual Automobile Insurance Company | $107 | $1287 |
| Allstate Fire & Casualty Insurance Company | $113 | $1356 |
| Viking Insurance Company of Wisconsin | $131 | $1576 |
| American Economy Insurance Company | $134 | $1604 |
| Safeco Insurance Company of Illinois | $134 | $1604 |
| State Farm Fire and Casualty Company | $139 | $1663 |
| American Family Insurance Company | $149 | $1786 |
| Farmers Insurance Exchange | $177 | $2123 |
| Mendakota Insurance Company | $200 | $2395 |

45-year-old couple, clean records, average credit; 2025 Toyota Corolla LE; 100/300/50 BI/PD, $5k med pay, 100/300 UM, $250/$500 deductibles; Elko. Nevada Division of Insurance, Consumer's Guide to Automobile Insurance Rates 2026, 2026. A fixed example the state rated with every insurer, matched to your facts. Includes comprehensive and collision. Not a quote.

## The statewide average

About $133 a month ($1,600.39 a year) per insured vehicle: liability $1,040, collision $424.46, comprehensive $135.87 a year. NAIC, 2023 Auto Insurance Database Average Premium Supplement (June 2025), 2023. Statewide averages per insured vehicle for the latest published year. A person's price varies widely around them. Not a quote.

## What is the cheapest car insurance in Elko?

In the Nevada Division of Insurance, Consumer's Guide to Automobile Insurance Rates 2026 published sample for Elko (45-year-old couple, clean records, average credit; 2025 Toyota Corolla LE; 100/300/50 BI/PD, $5k med pay, 100/300 UM, $250/$500 deductibles; Elko), the lowest premium of 23 insurers is American Family Connect Property & Casualty Insurance Company at about $68 a month ($814 a year), and the highest is Mendakota Insurance Company at about $200 a month. These are the state's fixed-example sample rates, not quotes; a licensed agent confirms your rate.

## What does car insurance cost on average in Elko?

The published statewide average is about $133 a month, $1,600.39 a year per insured vehicle: liability $1,040, collision $424.46, comprehensive $135.87 a year (NAIC, 2023 Auto Insurance Database Average Premium Supplement (June 2025), 2023). A person's price varies widely around it.

## Why would my quote differ from these numbers?

A sample rate prices one fixed example the state chose. A quote prices you: your record, your car, your address, and where the law allows it your credit history. Use the samples to see who is cheap and who is expensive near you, then let a licensed agent quote you.

## How do I get a real quote?

Give the ZIP code, the vehicle year, make and model, the driver's date of birth and the coverage level on the quote form; no phone number is needed for a price. If you want licensed agents to contact you, say so: up to 4 of them, and only after you agree to the exact words.

## Get your own price

Indicative prices from the car, ZIP, driver age and coverage. No name, phone or email needed for a price. Licensed agents on your say-so. Form: https://nevadaautoquotes.com/#quote · MCP tool `get_quotes` at https://nevadaautoquotes.com/ · JSON: https://nevadaautoquotes.com/rates.json