Who Has Affordable Auto Insurance Rates for Drivers Requiring a SR22 in Henderson?

The car, truck, or SUV requiring insurance is probably the biggest factor when shopping around for low-cost auto insurance for drivers requiring a SR22. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.

The information below illustrates auto insurance rates for some of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Henderson, NV
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $7,663
Toyota Prius $8,160
Ford Escape Limited 4WD $8,331
Jeep Wrangler Sahara 4WD 2-Dr $8,821
Ford Edge SE AWD $8,890
Ford F-150 XLT Super Cab 4WD $8,913
Ford Explorer XLT 2WD $8,936
Volkswagen Jetta LE 4-Dr Sedan $8,975
Toyota RAV4 2WD $8,984
Chevrolet Impala LS $9,153
Toyota Corolla LE $9,386
Dodge Grand Caravan SXT $9,442
Chevrolet Equinox LTZ AWD $9,472
Ford Focus SES 4-Dr Sedan $9,580
Hyundai Elantra GLS 4-Dr Sedan $9,675
Toyota Tacoma X-Runner 2WD $9,748
Nissan Rogue S 2WD $9,754
GMC Sierra SLT Crew Cab 2WD $9,767
Dodge Ram Quad Cab SLT 2WD $9,840
Nissan Altima Hybrid 4-Dr Sedan $9,850
Jeep Grand Cherokee Limited 4WD $9,860
Chevrolet Malibu LTZ $9,850
Honda Odyssey Touring $9,855
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Prices above based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Information does not factor in Henderson, NV location which can alter coverage rates considerably.

Based upon these rates, you can assume that makes and models like the Honda CR-V, Toyota Prius, Ford Escape, Jeep Wrangler, and Ford Edge are likely to be the most affordable vehicles to insure for high risk drivers. Auto insurance rates will tend to be more expensive anyway because there is more liability risk for drivers requiring a SR22, but overall those specific models will probably have the lowest insurance prices that you are likely to find.

Trying to find cost effective insurance is difficult, and determining which company offers the best car insurance rates for drivers requiring a SR22 will take even more rate comparisons.

Each auto insurance company has a proprietary formula for establishing rates, so let’s rank the most competitive car insurance companies in Nevada.

Best Car Insurance Prices for SR22 Drivers

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Nevada car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $903
2 Allied $949
3 Capital $988
4 American Family $1,182
5 Oregon Mutual $1,193
6 Progressive $1,238
7 GEICO $1,256
8 Safeco $1,320
9 Nationwide $1,321
10 USAA $1,323
11 Farmers $1,482
12 MetLife $1,567
13 Country $1,619
14 State Farm $1,749
15 Mercury $1,807
16 Victoria $2,093
17 Liberty Mutual $2,249
18 Bristol West $2,313
19 Allstate $2,408
20 Encompass $2,604
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Travelers may offer some of the most affordable car insurance rates in Henderson at around $903 per year. This is $671 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, American Family, and Oregon Mutual also rank well as some of the most economical Henderson, NV car insurance companies.

As shown above, if you currently buy coverage from Capital and switched to Travelers, you might see an annual premium reduction of upwards of $85. Nevada drivers with American Family might save as much as $279 a year, and Oregon Mutual policyholders might realize rate reductions of up to $290 a year.

To find out how your current rates compare, click here to start a quote or visit several of the following companies.

These premiums are averaged across all types of insureds and vehicles and do not take into consideration an exact location for drivers requiring a SR22. So the company that can offer you the best rate may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own specific driver information and vehicle.

Discount Henderson car insurance rates

Save on car insurance for high risk drivers in HendersonInsurance companies that sell policies for drivers requiring a SR22 may also give you discounts that can lower rates by as much as 40% or more if you are eligible. Larger car insurance companies and their possible discounts are detailed below.

The diagram below shows the comparison of car insurance rates with and without some available policy discounts. The data assumes a male driver, two accidents and two traffic tickets, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, marriage, paperless filing, multiple vehicle, vehicle safety, and multiple policy discounts applied. With discounts applied, the average savings per year on car insurance for drivers requiring a SR22 is 29% or $981.

Picking the best auto insurance company can be a challenge considering how many different companies insure vehicles in Nevada. The ranking data listed below can help you analyze which coverage providers you want to consider comparing price quotes from.

The ratings below only include companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Nevada are not included in the list. To get rate quotes from these and other companies in Nevada, click here.

Top Car Insurance Companies for Drivers Requiring a SR22 in Henderson, NV
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies

If you have coverage questions and would like to get help from a professional when trying to find lower insurance rates for high risk drivers, the agents below can most likely help you decide which car insurance policy is best. To locate a Henderson car insurance agency using an interactive map, click the button at the bottom.

Allstate Insurance: Helene Karp
305 N Pecos Rd cHenderson, NV 89074(702) 436-0200

Dino DeGregorio – State Farm Insurance Agent
3037 W Hrzn Rg Pkwy Ste 100Henderson, NV 89052(702) 982-0696

Farmers Insurance: Jennifer Montisano
181 N Arroyo Grande Blvd #100Henderson, NV 89074(702) 262-5525

View map of Henderson, NV insurance agents

Ideas for finding the cheapest car insurance for drivers requiring a SR22

Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Henderson drivers find more affordable car insurance.

The final tip is especially crucial, as was pointed out in the article above. Prices charged by auto insurers can change considerably in a year, so don’t hesitate to switch companies if a better deal can be had.

Staying with the same car insurance company is fine, but it isn’t a good idea if that loyalty results in overpaying hundreds every year. Take a few minutes and shop around to find cheaper insurance for drivers requiring a SR22 in Henderson.