Find Car Insurance in Enterprise, Nevada

What You Should Know About Car Insurance in Enterprise, NV

Enterprise is a fairly new town, having been formed in 1996 in Clark County, Nevada. However, the use of Enterprise as a name began in 1918 in reference to a local school district. But long before those dates, the area’s original inhabitants included the Paiute and Mojave tribes. European settlers moved into the area in the 19th century in search of fertile soil and precious metals. The construction of the Las Vegas and Tonopah railroad brought easy access to trade and travel, which inspired even more settlers to move into the region. Today, nearly 250,000 people live in Enterprise, which is about 15 miles from Las Vegas.

Enterprise offers many activities for residents and visitors. You can learn about the area’s history at the Clark County Museum, enjoy a hike and picnic at the Spring Mountain Ranch State Park or the Sloan Canyon National Conservation Area, and rock climb or horseback ride at the Red Rock Canyon National Conservation Area. Other notable destinations, such as Hoover Dam, Lake Mead, and the Grand Canyon, are just a short drive away. And of course, there is always the Strip, where you can partake in a number of entertainment options.

One other noteworthy fact about this area is that here you can get the best car insurance in Nevada. Expert agents are ready to find you coverage options for personalized insurance, along with cost savings.

How Much Does Car Insurance Cost in Enterprise, Nevada

Nevada drivers pay about $973 for minimum liability and $2,779 for a full auto insurance policy, a higher rate than the national average of $622 for liability and $2,014 for full coverage. Premiums vary from person to person, however — especially when factoring in discounts many insurers offer.

Why Is Insurance So Expensive in Nevada?

A number of factors have caused Nevada auto coverage costs to climb. The state has seen an increase in auto thefts in recent years and has one of the highest car theft rates in the country. Supply chain issues and an increase in the cost of car parts, car repairs, labor shortages, and increased medical costs have also contributed.

An upsurge in the chance of severe weather, such as high winds from the recent dust storm that hampered driver visibility in and near Las Vegas, making for dangerous driving conditions, increases the risk of insurance payouts.

More people are working second- and third-shift jobs, making the roads more crowded, which increases the risk of car accidents. When there are more car thefts, losses from natural disasters, and accidents, insurers pay out for more claims, which raises pricing for all drivers.

Affordable Car Insurance Rates Comparison by Cities in Enterprise

As an Enterprise resident, you might like to know how your insurance cost compares to other Nevada cities. The chart below shows a comparison of Enterprise to four cities of varying sizes:

City	Full Coverage Insurance	Liability Insurance Coverage
Enterprise	$127	$36
Reno	$143	$46
Carson City	$129	$39
Laughlin	$149	$49
Sparks	$150	$48

How Bundling Your Car and Homeowners Insurance Can Save You Money in Enterprise

One effortless way to get a discount on your policy is through home and auto insurance bundling, which is buying both policies from one insurer. But you can also bundle your auto policy with other types of insurance. Just tell your insurer what types of coverage you want. Your agent will do all the rest to find you the best policies to meet your needs.

Here are a few advantages of bundling:

• You put in less work to get protection because you only have to deal with one insurer
• Insurers offer a discount (in some cases up to 25% off your coverage) to thank you for your added business
• You will save time by paying only one bill and managing one set of paperwork

So whatever you need — homeowners insurance, renters coverage, life insurance, coverage on more than one car, or any other kind of coverage — you can get high-quality insurance along with one-stop-shop service.

What Types of Car Insurance Discounts Are Available in Enterprise?

There are different kinds of auto insurance discounts — those based on the vehicle, the driver, and the policy. But one of the things they have in common is that they all save you money.

So just how can you negotiate for a better car insurance premium? Ask about these discounts, such as:

• Vehicle safety equipment discount: A car with anti-lock brakes, crash-resistant doors, etc., may earn you a discount
• Car make and model: Some cars are safer and cheaper to fix and replace than others
• Driver safety course: Successfully passing a state-approved driving course may save you money
• Safe driver discount: Insurers view your driving history to see if you have had tickets and accidents
• Higher deductible: A good choice if you have available funds to cover a higher deductible, should you need to file a claim
• Good student: Many insurers give a discount if you maintain at least a B average.

Notable Car Insurance Laws in Enterprise

Nevada requires auto insurance on all registered vehicles used on public streets — you must carry proof of this coverage so you can present it to a police officer when requested. This information includes your policy number, insurance company, agent’s name, your policy’s expiration date, your name and address, and your vehicle’s make, model, year, and VIN.

A paper copy or a mobile device copy is acceptable.

What Are the Mandatory Car Insurance Requirements in Enterprise?

Nevada requires its drivers to carry the following minimum liability insurance:

• Bodily injury per person: $25,000
• Bodily injury per accident: $50,000
• Property damage per accident: $20,000

These amounts may be insufficient in covering the full accident damage in a crash you cause. In such a case, you would be responsible for covering the remainder out of your own pocket, so you may want to consider bumping up your liability coverage.

Liability insurance does not cover your own damage. Your agent can help you figure out what additional insurance — such as collision coverage and comprehensive coverage — would best fit your unique situation and help you protect yourself.

What Is the Penalty for Driving Without Insurance in Enterprise?

Nevada might be known for gambling, but playing with your auto coverage is an unsafe bet. There is no grace period for insurance in the state, so be sure to keep up with your payments to avoid accidentally driving uninsured.

Nevada’s DMV Insurance page details the state’s tier system for penalties — “tier” means you will experience different consequences depending on how many times you are caught driving uninsured and how long you have been uninsured. Here are the basics:

• First offense: A $250 fee and fines of up to $1,000. An SR-22 requirement in certain circumstances
• Second offense (within five years of the first): A $500 fee and fines up to $1,000, plus you may need to file an SR-22 requirement
• Third offense (within five years of the second): A $750 fee and fines of up to $1,000, plus an SR-22 requirement and driver’s license suspension

What Factors Go into My Car Insurance Cost in Enterprise?

The states have different rules about which details are allowed when figuring out your premium. Some factors Enterprise insurers review are:

• Your age: This corresponds with your number of years driving
• Marital status: Married people are statistically safer drivers
• Gender: Females are statistically safer drivers
• Accident history: Having a clean record works in your favor
• Zip code: Your friend in another Nevada zip code may pay a different rate than you, in part, due to where you live

Your agent will review your details, then go over which discounts you may be eligible for to find you customized coverage choices and competitive rates.

Typical Driving Conditions in Enterprise

Enterprise consists of 67 square miles. The I-15 crosses through the east side of the city, while easy access to I-215 and US-95 means more cars on the road. Traffic tends to be heavy, with nearly 98% of commuters driving to work at an average commute time of almost 22 minutes. The city experiences the occasional bout of severe weather with heavy dust and hail, decreasing visibility and increasing perilous driving conditions.

How Many Car Accidents Happen in Enterprise Per Year?

The National Highway Traffic Safety Administration reports show that Nevada had 353 fatal accidents in 2023. Fatal car crash statistics for Enterprise are unavailable, so the number of fatal car crashes for the nearby town of Paradise is included in the comparison chart below:

City	Annual Average Number of Fatal Car Crashes
Enterprise	n/a
Paradise	0
Reno	18
Carson City	2
Laughlin	0
Sparks	4

How Many Uninsured/Underinsured Motorists Are in Enterprise?

About 11% of Nevada drivers were uninsured in 2023. This means about 11 cars out of 100 you encounter on the road are likely uninsured. Ask your agent about uninsured/underinsured motorist coverage to make sure you are protected from these drivers.