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.
| 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 |
| Find Cheaper Rates Go | |
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
| 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 |
| Find Cheaper Rates Go | ||
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
Insurance 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.
- 21st Century policyholders can earn discounts including teen driver, homeowners, theft prevention, early bird, anti-lock brakes, automatic seat belts, and good student.
- Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, homeowner, multi-policy, online signing, and good student.
- State Farm has savings for safe vehicle, accident-free, anti-theft, student away at school, multiple policy, multiple autos, and good student.
- Nationwide offers discounts for defensive driving, multi-policy, anti-theft, business or organization, and accident-free.
- Esurance has discounts for homeowner, online quote, anti-lock brakes, claim free, and good driver.
- The Hartford may offer discounts for anti-theft, bundle, vehicle fuel type, defensive driver, and air bag.
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.
| 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 |
| Compare Rates Now Go | ||||||
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 c – Henderson, NV 89074 – (702) 436-0200
Dino DeGregorio – State Farm Insurance Agent
3037 W Hrzn Rg Pkwy Ste 100 – Henderson, NV 89052 – (702) 982-0696
Farmers Insurance: Jennifer Montisano
181 N Arroyo Grande Blvd #100 – Henderson, 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.
- Buy vehicles with five-star safety ratings
- Good credit can mean cheaper rates
- At-fault accidents will increase rates
- Do not get traffic tickets
- Increase your policy deductibles
- Shop your coverage around for the best deal
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.