- Elko car insurance rates average $2,344 per year for full coverage, or approximately $195 per month.
- For cheap car insurance, compact crossovers like the Nissan Kicks, Kia Soul, and Toyota Corolla Cross cost less to insure than most other models.
- Auto insurance quotes can vary from as low as $38 per month for liability-only insurance to over $725 per month for drivers requiring high-risk coverage.
How much does car insurance cost in Elko?
The average price for car insurance in Elko is $2,344 per year, or about $195 per month for a full coverage policy. It costs 2.9% more to insure the average vehicle in Elko, NV, than the U.S. overall average rate of $2,276.
In Nevada, average car insurance cost is $2,860 per year, so the average cost of car insurance in Elko is $516 less per year than the state average.
The average cost of insurance in Elko compared to other Nevada locations is around $830 per year cheaper than in Henderson, $270 per year cheaper than in Reno, and $1,150 per year cheaper than in Las Vegas.
The age of the rated driver is the one factor that has the largest impact on the price of auto insurance, so the list below details how age impacts cost by breaking out average car insurance rates for drivers from age 16 to 60.
Elko, Nevada, car insurance cost by driver age
- 16-year-old driver – $8,348 per year or $696 per month
- 17-year-old driver – $8,086 per year or $674 per month
- 18-year-old driver – $7,251 per year or $604 per month
- 19-year-old driver – $6,599 per year or $550 per month
- 20-year-old driver – $4,716 per year or $393 per month
- 30-year-old driver – $2,502 per year or $209 per month
- 40-year-old driver – $2,344 per year or $195 per month
- 50-year-old driver – $2,078 per year or $173 per month
- 60-year-old driver – $1,944 per year or $162 per month
The chart below shows average auto insurance rates in Elko, Nevada, for 2024 model year vehicles not only by the age of the driver, but also by three different physical damage coverage deductibles.
Average rates in the prior chart range from $1,644 per year for a 60-year-old driver with $1,000 deductibles to $5,484 per year for a 20-year-old driver with $250 deductibles. In this article, the rate used to compare the cost between models and locations is a 40-year-old driver with $500 comprehensive and collision coverage deductibles, which is an average cost of $2,344 per year in Elko.
As a monthly amount, average car insurance cost in Elko ranges from $137 to $457 for the same driver ages and deductibles shown in the previous chart.
Elko car insurance rates are priced differently for everyone and can also be significantly different between companies. The potential for large premium differences increases the need to get multiple auto insurance quotes when looking for the cheapest policy.
The cost to insure popular vehicles in Elko
The car insurance rates discussed up to this point take all 2024 models and come up with an average cost, which is useful for making broad comparisons such as the cost difference between driver ages or locations. Average auto insurance rates are perfect when trying to find the answer to questions like “is Elko car insurance cheaper than Sparks?” or “is car insurance in Nevada cheaper than Colorado?”.
But for more comprehensive price comparisons, we get better data if we use rates for the specific model of vehicle being insured. Every car, truck, SUV and minivan has it’s own profile for determining the cost of auto insurance and this data makes it possible to perform cost projections and comparisons.
The next list displays both annual and monthly average car insurance rates in Elko for some of the more popular cars, trucks, and SUVs.
Auto insurance cost for popular Elko vehicles
- Toyota Corolla – $2,284 per year ($190 per month)
- Toyota Tacoma – $2,372 per year ($198 per month)
- Jeep Grand Cherokee – $2,344 per year ($195 per month)
- Ford Escape – $2,138 per year ($178 per month)
- Jeep Cherokee – $2,530 per year ($211 per month)
- Ford F150 – $2,622 per year ($219 per month)
- Ford Explorer – $2,126 per year ($177 per month)
- GMC Sierra – $2,588 per year ($216 per month)
- Subaru Forester – $2,086 per year ($174 per month)
- Ram Truck – $2,710 per year ($226 per month)
The vehicle models that are popular in Elko tend to be small or midsize sedans like the Volkswagen Jetta and Toyota Camry and compact and midsize SUVs like the Nissan Rogue, Ford Escape, and Ford Explorer.
Additional popular vehicles from different automotive segments include luxury cars like the Tesla Model S, Lexus ES 350, and BMW 530i, luxury SUVs like the Cadillac XT5, Lexus RX 350, and Acura MDX, and pickup trucks like the Ford F-150, Ram 1500, and Toyota Tacoma.
Here are a few key concepts we’ve covered so far:
- Elko, Nevada, average car insurance cost is more than the U.S. average – $2,344 (Elko average) versus $2,276 (U.S. average)
- Car insurance rates drop considerably between ages 20 and 30 – The average 30-year-old Elko, Nevada, driver will pay $2,214 less per year than a 20-year-old driver, $2,502 versus $4,716.
- Elko car insurance prices are cheaper than the Nevada state average – $2,344 (Elko average) versus $2,860 (Nevada average)
- Cost per month ranges from $162 to $696 – That is the average car insurance cost range for insured drivers age 16 to 60 in Elko.
- A low deductible policy costs more – A 40-year-old driver pays an average of $762 more per year for $250 deductibles versus $1,000 deductibles.
Which vehicles are cheapest to insure?
The vehicles with the lowest cost average car insurance prices in Elko tend to be compact SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross.
Average car insurance quotes for vehicles ranked in the top 10 cost $1,920 or less per year for full coverage.
Some additional models that have affordable auto insurance quotes in our car insurance price comparison are the Volkswagen Tiguan, Kia Niro, Volkswagen Taos, and Honda CR-V. The average rates are slightly more for those models than the cheapest crossovers and small SUVs that rank near the top, but they still have an average cost of $2,036 or less per year.
The next table lists the 50 models with the cheapest car insurance in Elko, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,680 | $140 |
| 2 | Chevrolet Trailblazer | $1,714 | $143 |
| 3 | Kia Soul | $1,778 | $148 |
| 4 | Nissan Kicks | $1,796 | $150 |
| 5 | Honda Passport | $1,812 | $151 |
| 6 | Buick Envision | $1,822 | $152 |
| 7 | Toyota Corolla Cross | $1,836 | $153 |
| 8 | Hyundai Venue | $1,854 | $155 |
| 9 | Mazda CX-5 | $1,856 | $155 |
| 10 | Ford Bronco Sport | $1,866 | $156 |
| 11 | Volkswagen Tiguan | $1,882 | $157 |
| 12 | Acura RDX | $1,902 | $159 |
| 13 | Nissan Murano | $1,914 | $160 |
| 14 | Buick Encore | $1,936 | $161 |
| 15 | Subaru Outback | $1,938 | $162 |
| 16 | Honda CR-V | $1,942 | $162 |
| 17 | Buick Envista | $1,952 | $163 |
| 18 | Volkswagen Taos | $1,956 | $163 |
| 19 | Kia Niro | $1,960 | $163 |
| 20 | Toyota GR Corolla | $1,976 | $165 |
| 21 | Subaru Ascent | $1,978 | $165 |
| 22 | Honda HR-V | $1,986 | $166 |
| 23 | Nissan Leaf | $1,996 | $166 |
| 24 | Chevrolet Colorado | $2,004 | $167 |
| 25 | Lexus NX 250 | $2,012 | $168 |
| 26 | Honda Civic | $2,014 | $168 |
| 27 | Volkswagen Atlas | $2,018 | $168 |
| 28 | Acura Integra | $2,024 | $169 |
| 29 | Subaru Forester | $2,024 | $169 |
| 30 | Volkswagen Atlas Cross Sport | $2,026 | $169 |
| 31 | GMC Terrain | $2,038 | $170 |
| 32 | Kia Seltos | $2,038 | $170 |
| 33 | Nissan Rogue | $2,050 | $171 |
| 34 | Hyundai Kona | $2,052 | $171 |
| 35 | Cadillac XT4 | $2,056 | $171 |
| 36 | Mazda CX-30 | $2,058 | $172 |
| 37 | Ford Explorer | $2,066 | $172 |
| 38 | Volkswagen ID4 | $2,066 | $172 |
| 39 | Toyota Highlander | $2,070 | $173 |
| 40 | Toyota Venza | $2,076 | $173 |
| 41 | Honda Odyssey | $2,080 | $173 |
| 42 | Ford Escape | $2,082 | $174 |
| 43 | Nissan Sentra | $2,092 | $174 |
| 44 | Subaru Impreza | $2,096 | $175 |
| 45 | Chevrolet Equinox | $2,100 | $175 |
| 46 | Toyota RAV4 | $2,104 | $175 |
| 47 | Mazda MX-5 Miata | $2,108 | $176 |
| 48 | Mazda MX-30 | $2,112 | $176 |
| 49 | Hyundai Tucson | $2,116 | $176 |
| 50 | Jaguar E-Pace | $2,126 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elko, NV Zip Codes. Updated October 24, 2025
Some additional models worth noting that rank in the top 50 table above include the Ford Explorer, Honda Civic, Subaru Ascent, Toyota Highlander, and Volkswagen Atlas Cross Sport. Auto insurance rates for those vehicles fall between $2,036 and $2,190 per year in Elko.
In comparison to the cheapest rates, some examples that have more expensive insurance rates include the Dodge Durango at an average of $2,874 per year, the Toyota Tundra that averages $2,792, and the Lexus LX 570 at an average of $3,316.
And for really expensive coverage in Elko, high-performance luxury models like the BMW M760i, Mercedes-Benz Maybach GLS 600, Acura NSX, and Nissan GT-R have rates that frequently cost two to three times those of the cheapest cars and SUVs.
Seven tips to finding cheaper car insurance in Elko
Elko drivers should always be thinking of ways to reduce their monthly auto insurance expenses, so take a minute and read through the money-saving tips in the list below and it’s very possible you can save a few bucks on your next policy.
- Being a safe driver saves money. Too frequent at-fault accidents can raise rates, possibly by an extra $3,346 per year for a 20-year-old driver and even $572 per year for a 60-year-old driver. So drive safe and save money!
- Earn discounts to save money. Savings may be available if the insureds drive low annual mileage, are senior citizens, drive a vehicle with safety or anti-theft features, are accident-free, or many other discounts which could save the average Elko driver as much as $396 per year on their insurance cost.
- Compare insurance costs before buying a car. Different vehicles have very different costs for insurance, and companies can sell coverages with a wide range of prices. Get quotes to see the cost of insurance before you buy a different car in order to avoid price shock when you see your first insurance bill.
- Avoid traffic tickets to pay less. To get cheap car insurance in Elko, it pays to follow the law. Not surprisingly, just one or two minor driving offenses have the ramification of spiking rates by at least $624 per year.
- Excellent credit equals excellent rates. Having a credit score above 800 could save an average of $368 per year when compared to a slightly lower credit rating between 670-739. Conversely, a credit score lower than 579 could cost up to $427 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Remove unneeded coverage on older cars. Removing comprehensive and/or collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can trim the cost significantly.
- Lower the cost of your policy by increasing deductibles. Jacking up your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.