Capital Insurance Service has been writing coverage in Carson City since 1996. Our office is at 625 Fairview Drive, Suite 101, Carson City, NV 89701, just off Carson Street near Lowe’s. Walk in Monday through Friday, 9 to 5, or call (775) 883-4433.
We are independent, so one application gets shopped across more than 20 insurance companies including Progressive, GEICO, Travelers, Dairyland, and Mendota. Lupita Cervantes handles our Carson City clients and Stephanie Navarro manages both offices.
Car Insurance in Carson City
Nevada requires 25/50/20 liability coverage on every registered vehicle: $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage.
We quote Carson City drivers across the full range. Clean records go to Progressive, GEICO, and Travelers. Drivers with a ticket, a lapse, an at-fault accident, or an SR-22 requirement go to Dairyland, Mendota, Bristol West, National General, and Hallmark. Having both lists in one office is why people who have been declined elsewhere end up here.
If you commute to Reno on 395 or over to Minden and Gardnerville, tell us. Mileage moves the rate and the number on your policy may not match how you actually drive anymore. Compare the auto insurance coverages available in Nevada before you renew.
SR-22, DUI, and the Nevada DMV
The Nevada DMV is headquartered in Carson City, and it verifies insurance electronically through NVLIVE. Coverage is checked against your registration continuously with no grace period. If a policy cancels, the DMV can suspend the registration and require fines plus a reinstatement fee before you are legal again, so it pays to insure your vehicle before going to the DMV rather than after.
If you have been told to file an SR-22, that is a certificate your insurer sends to the DMV proving you carry at least the state minimum, and it typically stays in place for three years. Most standard carriers will not write the policy behind it. We work with the ones that will. Bring your DMV notice to our Fairview Drive office or call (775) 883-4433.
Coverage After a Lapse
A gap does not make you uninsurable, it changes which carriers will quote you. We place drivers with a lapse, a recent ticket, or no prior coverage every week, and our guide to getting covered again after a lapse explains the reinstatement steps.
Home, Renters, and Mobile Home Insurance in Carson City
Carson City housing runs from historic homes on the west side to newer construction out toward Lakeview and the north end, and they do not insure the same way. Older homes cost more to rebuild than their market value suggests, especially when current code requires upgrades the original construction never had. Ask about ordinance or law coverage, which pays that difference and is not included by default on most homeowners policies.
Wildfire along the Sierra front and flooding near the Carson River are the two exposures we look at hardest here. Flood is excluded from every standard homeowners policy and has to be written separately. If you rent, renters insurance covers your belongings and your liability for less than most people assume.
Motorcycle, RV, and Boat Insurance
Nevada requires liability coverage on a motorcycle at the same 25/50/20 limits, and you need it before registration. We write motorcycle coverage through Dairyland Cycle and others, plus RVs and boats for owners running out to Tahoe, Topaz, and Lahontan.
Business Insurance in Carson City
We write business insurance for Carson City companies covering commercial property and commercial auto, including contractors and trades on state and municipal jobs that require a certificate before work starts.
Most of those contracts specify general liability limits, so send us the requirements and we will make sure the policy matches. Already covered and need paperwork? Request a certificate of insurance and we will send it over.
Life Insurance in Carson City
Term, whole life, final expense, and mortgage protection. If you work for the state and rely on group life alone, it is worth knowing that group coverage usually ends when the job does, which is why most people pair it with an individual life insurance policy.
Se Habla Español
Hablamos español. En nuestra oficina de Carson City cotizamos seguro de automóvil, casa, motocicleta y negocio en español, incluyendo pólizas para conductores con SR-22. Llámenos al (775) 883-4433 o visítenos en 625 Fairview Drive.
Vea todos los tipos de seguros que ofrecemos en nuestra página en español.
Areas We Serve from Our Carson City Office
Carson City including the 89701, 89703, and 89706 zip codes, plus Minden, Gardnerville, Genoa, Indian Hills, Johnson Lane, Dayton, Mound House, Stagecoach, Silver Springs, Virginia City, Washoe Valley, and New Empire. We are licensed across all of Nevada and all of California, and our Reno office on Double Diamond Parkway covers the north end of the region.
Our office is on Fairview Drive just east of Carson Street, near Lowe’s. Walk-ins welcome.
Why Carson City Drivers Use an Independent Agent
You fill out one application and we take it to more than 20 carriers. If your record has something on it, we have markets that write it instead of a decline letter. We re-shop at renewal rather than letting the rate creep. And this office has been serving Carson City since 1996, with a 4.4 star average across more than 110 Google reviews.
Carson City Insurance Questions
25/50/20 under NRS 485.185: $25,000 bodily injury per person, $50,000 per accident, $20,000 property damage.
NVLIVE flags it right away. Expect fines, a possible registration suspension, and a reinstatement fee, with proof of new coverage required before the DMV clears it. Here is how reinstating works.
Yes. Call (775) 883-4433 and we will walk you through what the filing requires.
No. Flood is excluded from standard homeowners policies everywhere and needs a separate policy.
Yes. Our Carson City office covers Carson City, Douglas County, Lyon County, and Storey County.
Yes. Use online billing and payments or file a claim any time.
Get a Quote from Our Carson City Office
Call (775) 883-4433, visit 625 Fairview Drive, Suite 101, or request a free quote online.