- Compact SUV models like the Kia Soul, Buick Envision, Chevrolet Trailblazer, and Toyota Corolla Cross are the top choices for the cheapest car insurance in Fernley.
- Average car insurance cost in Fernley is $1,778 per year, or $148 per month, for a full-coverage policy.
- Teen drivers cost a lot to insure, with rates for a 16-year-old male driver averaging around $6,339 per year.
Cheapest cars to insure in Fernley
When comparing rates for all vehicles, the models with the best auto insurance quotes in Fernley, NV, tend to be small SUVs like the Subaru Crosstrek, Kia Soul, and Buick Envision. Average auto insurance rates for vehicles ranked in the top 10 cost $1,456 or less per year to get full coverage.
Other vehicles that rank well in the cost comparison table are the Honda CR-V, Buick Envista, Kia Niro, and Buick Encore.
Insurance is a little bit more for those models than the cheapest compact SUVs and crossovers at the top of the rankings, but they still have an average cost of $1,526 or less per year ($127 per month) in Fernley.
The table below details the vehicles with the cheapest overall insurance rates in Fernley, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,314 | $110 |
| 2 | Chevrolet Trailblazer | $1,336 | $111 |
| 3 | Kia Soul | $1,386 | $116 |
| 4 | Nissan Kicks | $1,400 | $117 |
| 5 | Honda Passport | $1,416 | $118 |
| 6 | Buick Envision | $1,426 | $119 |
| 7 | Toyota Corolla Cross | $1,434 | $120 |
| 8 | Hyundai Venue | $1,446 | $121 |
| 9 | Mazda CX-5 | $1,452 | $121 |
| 10 | Ford Bronco Sport | $1,456 | $121 |
| 11 | Volkswagen Tiguan | $1,474 | $123 |
| 12 | Acura RDX | $1,488 | $124 |
| 13 | Nissan Murano | $1,494 | $125 |
| 14 | Buick Encore | $1,510 | $126 |
| 15 | Honda CR-V | $1,516 | $126 |
| 16 | Subaru Outback | $1,516 | $126 |
| 17 | Buick Envista | $1,524 | $127 |
| 18 | Chevrolet Colorado | $1,524 | $127 |
| 19 | Kia Niro | $1,526 | $127 |
| 20 | Volkswagen Taos | $1,526 | $127 |
| 21 | Toyota GR Corolla | $1,546 | $129 |
| 22 | Subaru Ascent | $1,548 | $129 |
| 23 | Honda HR-V | $1,552 | $129 |
| 24 | Nissan Leaf | $1,560 | $130 |
| 25 | Honda Civic | $1,576 | $131 |
| 26 | Lexus NX 250 | $1,576 | $131 |
| 27 | Acura Integra | $1,580 | $132 |
| 28 | Volkswagen Atlas | $1,580 | $132 |
| 29 | Volkswagen Atlas Cross Sport | $1,586 | $132 |
| 30 | Subaru Forester | $1,588 | $132 |
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 Fernley, NV Zip Codes. Updated February 23, 2024
A few other popular models that made the top 30 table above include the Acura Integra, Nissan Leaf, Subaru Ascent, Volkswagen Atlas, and Subaru Forester. Auto insurance rates for those models cost between $1,526 and $1,586 per year in Fernley, NV.
As a comparison to the cheapest car insurance rates, a few of the more expensive vehicles to insure include the Kia Stinger at $2,020 per year, the Ram Truck which costs $2,062, and the Audi e-tron at an average of $2,218.
For very expensive auto insurance in Fernley, cars like the Mercedes-Benz G63 AMG, BMW M760i, BMW Alpina B8, and BMW 750i have rates that can easily cost twice or three times as much as the cheapest models.
Average cost of car insurance in Fernley, NV
Average car insurance cost in Fernley is $1,778 per year, which is around $148 per month. Fernley car insurance costs 5.7% less than the overall national average rate of $1,883.
The average car insurance expense in Nevada is $2,252 per year, so Fernley drivers pay an average of $474 less per year than the overall Nevada state-wide average rate.
The average cost of insurance in Fernley compared to other Nevada cities is about $216 per year less than in Sparks, $1,010 per year less than in North Las Vegas, and $788 per year cheaper than in Henderson.
The chart below shows average Fernley car insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different physical damage deductibles.
In the chart above, the cost of auto insurance in Fernley ranges from $1,248 per year for a 60-year-old driver with a high deductible policy to $4,164 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost ranges from $104 to $347 per month.
The age of the driver is one of the largest influencers on the price you pay for car insurance. The list below details how driver age influences cost by showing average car insurance rates depending on driver age.
Average car insurance cost for Fernley, NV, drivers age 16 to 60
- 16-year-old driver – $6,339 per year or $528 per month
- 17-year-old driver – $6,143 per year or $512 per month
- 18-year-old driver – $5,506 per year or $459 per month
- 19-year-old driver – $5,013 per year or $418 per month
- 20-year-old driver – $3,580 per year or $298 per month
- 30-year-old driver – $1,898 per year or $158 per month
- 40-year-old driver – $1,778 per year or $148 per month
- 50-year-old driver – $1,576 per year or $131 per month
- 60-year-old driver – $1,476 per year or $123 per month
The previous rates shown for average cost of car insurance for teen drivers assumed a male driver. The next chart goes into more detail for teenage car insurance rates and shows average car insurance rates for teen drivers by gender. For the most part, female drivers tend to pay less for car insurance, especially ages 16 to 19.
Auto insurance for a female 16-year-old driver in Fernley costs an average of $417 less than male drivers each year, while at age 19, it still costs $775 less per year for females than males.
To emphasize the importance of the extent to which the cost of the same car insurance policy can deviate between drivers (and also underscore the importance of accurate rate quotes), the charts below show a wide range of rates for four popular vehicles in Fernley: the Ford F150, Kia Forte, Kia Sorento, and Kia K5.
The example for each vehicle displays average rates for a range of driver profiles to demonstrate the potential cost difference based on driver risk and policy deductibles.
Ford F150 insurance rates
The average price paid for Ford F150 insurance in Fernley is $2,137 per year. Costing from $46,195 to $100,090, average insurance rates on a Ford F150 cost from $1,672 per year for the Ford F150 XL Super Cab 4WD model up to $2,316 per year on the Ford F150 Lightning Platinum Black Special Edition model.
From a cost per month standpoint, auto insurance quotes for a Ford F150 can range from $139 to $193 per month, depending on the company you choose in Fernley.
The chart displayed below might help to visualize how car insurance rates on a Ford F150 can be quite different based on a number of different driver ages, deductibles, and risk profiles.
For our example drivers, cost varies from $1,652 to $4,600 per year, which is a difference of $2,948 caused by changes in driver risk.
The Ford F150 is classified as a full-size truck, and other popular models include the Nissan Titan, GMC Sierra, Chevrolet Silverado, and Ram Truck.
Kia Forte insurance rates
In Fernley, the most affordable insurance quotes for a 2024 Kia Forte are on the LX trim model, costing an average of $1,666 per year, or about $139 per month. This model stickers at $19,790.
The most expensive 2022 Kia Forte trim to insure in Fernley is the GT Manual model, costing an average of $1,808 per year, or around $151 per month. The cost for this trim level is $25,190, before documentation and delivery charges.
The bar chart below illustrates how the cost to insure a Kia Forte can be significantly different based on an assortment of driver ages and risk profiles. For this example, rates range from $1,444 to $3,934 per year, which is a difference in cost of $2,490 just by factoring different driver risk profiles.
The Kia Forte is considered a compact car, and additional models from the same segment that are popular in Fernley, Nevada, include the Hyundai Elantra, Chevrolet Cruze, and Toyota Corolla.
Kia Sorento insurance rates
Kia Sorento insurance in Fernley costs an average of $1,686 per year, ranging from a low of $1,546 per year on the Kia Sorento LX trim up to $1,814 per year for the Kia Sorento SX Prestige Plug-in Hybrid trim level.
When Fernley auto insurance rates for a Kia Sorento are compared to national average insurance rates for the same vehicle, rates are $102 to $120 more expensive per year in Fernley, depending on which trim level is insured.
The chart displayed below shows how the cost to insure a Kia Sorento can be quite different based on a variety of driver ages, policy deductibles, and potential risk scenarios. For our selected driver profiles, prices range from $1,402 to $3,874 per year, which is a price difference of $2,472 caused by changing from low-risk to high-risk drivers.
The Kia Sorento is a midsize SUV, and other similar models from the same segment include the Ford Edge, Kia Telluride, and Toyota Highlander.
Kia K5 insurance rates
In Fernley, the cheapest insurance rates on a 2024 Kia K5 are on the LXS trim level, costing an average of $1,646 per year, or about $137 per month. This model has a MSRP of $25,090.
The most expensive 2022 Kia K5 trim level to insure in Fernley is the GT model, costing an average of $1,790 per year, or around $149 per month. The retail price for this model is $31,490, not including documentation and destination fees.
The next chart may be useful in understanding how the cost of car insurance for a Kia K5 can be significantly different based on driver age and possible risk profiles.
In this example, rates range from $1,422 to $3,946 per year, which is a cost difference of $2,524 for the same vehicle.
The Kia K5 is a midsize car, and other similar models include the Hyundai Sonata, Nissan Altima, and Toyota Camry.
Saving money on auto insurance
There are a lot of ways to cut the cost of car insurance, but reducing the amount of coverage is not always the best way. Here are some tips that might help you save a few bucks on your next policy renewal.
- Compare insurance rates before buying a car. Different vehicle models can have significantly different car insurance rates, and insurance companies charge a wide range of costs. Get quotes to compare the cost of insurance before you buy a different car in order to prevent insurance sticker shock when you get the bill.
- Reduce coverage on older cars. Dropping physical damage coverage (comprehensive and collision) from older vehicles whose value has decreased can cheapen the cost considerably.
- Shop around anytime. Setting aside a few minutes before every renewal to get a few free car insurance quotes is our best recommendation for saving money. Companies make rate modifications frequently and you can change companies at any time.
- Improve your credit for cheaper car insurance. Drivers who maintain a credit score over 800 could save as much as $279 per year versus a decent credit rating of 670-739. Conversely, a diminished credit rating could cost around $324 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Increase physical damage deductibles to save money. Boosting your physical damage deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.