The vehicle model driven is one of the main factors in finding the cheapest coverage for felons. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost substantially more to insure than more modest models. The table below estimates insurance premiums for the cheaper automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Explorer XLT AWD||$2,082|
|Honda CR-V EX 2WD||$2,132|
|Honda Accord LX 4-Dr Sedan||$2,141|
|Chevrolet Impala LT||$2,197|
|Toyota Tacoma Double Cab 4WD||$2,240|
|Toyota Camry XLE||$2,308|
|Ford Escape Limited 2WD||$2,336|
|Chevrolet Equinox LTZ 2WD||$2,351|
|Toyota Corolla XRS||$2,361|
|Hyundai Sonata GLS 4-Dr Sedan||$2,361|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$2,392|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$2,401|
|Kia Optima SX||$2,515|
|Toyota Camry Hybrid||$2,525|
|Dodge Grand Caravan SXT||$2,568|
|Ford F-150 Lariat Crew Cab 4WD||$2,575|
|Hyundai Elantra Blue 4-Dr Sedan||$2,605|
|GMC Sierra 2500HD SLE Crew Cab 2WD||$2,630|
|Ford Edge Limited 2WD||$2,639|
|Honda Odyssey EX||$2,645|
|Nissan Altima 2.5 4-Dr Sedan||$2,695|
|Toyota RAV4 Limited 4WD||$2,704|
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific Henderson, NV garaging location which can modify price quotes greatly.
Based upon the rates shown, we can assume that cars like the Toyota Prius, Ford Explorer, Honda CR-V, and Honda Accord will definitely be a few of the cheaper vehicles to insure for felons.
One of the many things that determine car insurance rates is where you choose to live. More densely populated places tend to have more expensive car insurance rates, whereas more rural areas have the luxury of cheap car insurance rates.
The information below shows the most costly cities in Nevada for felons to buy auto insurance in. Henderson is ranked #8 with an annual rate of $1,767 for coverage, which is about $147 per month.
|Rank||City||Average Per Year|
|5||North Las Vegas||$1,900|
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Table data uses approximated as specific Henderson zip code can affect premium rates greatly.
How accidents and violations affect rates in Henderson
The recommended way to snag the best car insurance prices for felons is to be an attentive driver and avoid accidents and keep your driving record clean. The chart below highlights how speeding tickets and accidents can influence insurance premiums for different age groups of insureds. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy per year with no accidents or violations is $2,203. Factor in one speeding ticket and the average cost rises to $2,482, an increase of $279 each year. Now add one accident along with the one speeding ticket and the yearly cost of car insurance for felons goes up to an average of $3,266. That’s an increase of $1,063, or $89 per month, just for not being a responsible driver!
How to get discounts on Henderson car insurance rates
Insurance companies that provide policies for felons could also offer discounts that could lower prices by as much as 35% if you meet specific eligibility requirements. Companies and some of the discounts are outlined below.
- GEICO offers premium reductions for anti-theft, five-year accident-free, seat belt use, driver training, and membership and employees.
- MetLife may include discounts for multi-policy, defensive driver, good student, claim-free, and good driver.
- Progressive offers discounts including multi-vehicle, good student, homeowner, multi-policy, online signing, and continuous coverage.
- Travelers may offer discounts for student away at school, good student, early quote, home ownership, driver training, save driver, and new car.
- SAFECO has discounts for anti-theft, anti-lock brakes, multi-car, accident prevention training, and drive less.
- AAA has savings for good student, anti-theft, multi-car, AAA membership discount, good driver, multi-policy, and pay-in-full.
The example below illustrates the difference between car insurance rates with and without discounts applied. The premiums are based on a female driver, no claims or violations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, multiple vehicle, multiple policy, accident-free, anti-theft, and safe-driver discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for felons is 28% or $462.
Does full coverage make sense?
Saving money on car insurance should be important to most people, and one easy way to buy cheap insurance for felons is to buy liability only. The example below shows the difference between car insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied to the premium.
If the expense is averaged for all age categories, physical damage coverage on your policy costs an extra $1,768 per year more than buying just liability insurance. That touches on the question if buying full coverage is a waste of money. There is no definitive rule to drop comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s book value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $9,500 after paying the physical damage deductible. If premium cost is more than $950 a year for physical damage coverage, then it could be time to drop full coverage.
How to find economical car insurance for felons
Below you’ll find some of the better money-saving ideas that can help you locate low-cost car insurance.
- Pay lower rates with good credit
- Earn discounts for being claim-free
- Do not pay for full coverage on older vehicles
- Increase physical damage deductibles
- Buy vehicles with good safety ratings
- Buying car and homeowners insurance together can save money
- Ensure you have the best deal by shopping around regularly
The final tip is very vital, as we hit on in this write-up. Prices charged by car insurance companies in Henderson adjust often, so don’t be afraid to buy from a new company if you find a cheaper price. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing a lot of money. Now is a great time to compare prices and find cheaper car insurance for felons.
The agencies below can most likely help you decide which car insurance company is the best fit, as lots of drivers aren’t clear which coverage they need and would like to have a little guidance when trying to find lower insurance rates for felons. It can be complicated to find the cheapest rate yourself, and a licensed agent can provide peace of mind knowing you have sufficient coverage at claim time.
To locate a Henderson insurance agent using an interactive map, click the button at the bottom of the list.
Brendon Walker – State Farm Insurance Agent
4027 E Sunset Rd – Henderson, NV 89014 – (702) 456-6791
Tommy Brooks – State Farm Insurance Agent
8955 S Pecos Rd #1b – Henderson, NV 89074 – (702) 750-9990
Henry Crockett II – State Farm Insurance Agent
2986 St Rose Pkwy #150 – Henderson, NV 89052 – (702) 489-9999