Ely, NV
Insuring your car and home in Ely, NV
Commute, vehicle, and housing data for Ely, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Ely has about 3,892 residents in White Pine County. 72% of its workers drive to work alone and 65% of households own their home, so most families here need both a car policy and a homeowners policy.
How Ely gets around
| Measure | Ely | Nevada |
|---|---|---|
| Drive alone to work | 72% | 71% |
| Carpool | 15% | 11% |
| Work from home | 9% | 12% |
| Commute of 45 minutes or more | 9% | 11% |
| Commute under 15 minutes | 65% | 23% |
| Households with no vehicle | 3% | 7% |
| Households with 3 or more vehicles | 37% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Ely commutes are similar than the Nevada norm, with 9% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Fewer Ely workers telecommute (9%) than the state average, which means more cars on the road at rush hour.
In Ely, 3% of households live without a car while 37% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Ely
Census figures put Ely's median home value at $233,700 (Nevada: $435,400) and its median year built at 1958. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $759 was the average 2023 Nevada HO-3 premium at the $225,000–$249,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Ely drivers
Nevada requires liability limits of at least 25/50/20. Other required coverage: none beyond liability. Those are floors; with Ely's median home value at $233,700, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Ely household
A bundle can simplify life in Ely: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Ely
Plan for monsoon flash flooding, along with long highway distances. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Ely compared with nearby cities
Las Vegas shows 12% working from home and a median home value of $427,900. Henderson shows 17% working from home and a median home value of $484,900. In North Las Vegas, 64% own their home and 25% of households have three or more vehicles. Ely ranks 13th for long commutes among the 15 Nevada cities we profile.
Gathering details for a Ely auto and home quote
- Home details: size, age, construction
- Mortgage company for the home
- Liability limits you want
- When the roof was replaced
- Vehicle year, make, model, and VIN
- Accidents, tickets, and claims from the last five years
Questions from Ely drivers and homeowners
What auto insurance is required in Ely?
Nevada requires liability of 25/50/20; none beyond liability.
Do Ely drivers have long commutes?
About 9% of Ely workers commute 45 minutes or more and 65% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Ely?
There is no single price. As context, Nevada HO-3 policies averaged $1,013 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research