Finding out which company quotes the most affordable insurance rates for teenage females will involve a little more sweat than just getting one or two price quotes.
Every car insurance company used slightly different criteria to set premium rates, so let’s look at the rankings for the insurance companies with the most affordable rates in Henderson, NV. Keep in mind that Nevada insurance rates are impacted by many factors which can significantly increase or decrease the price of coverage. Simply having a birthday, moving across town, or getting into an accident can trigger rate changes that can cause some rates to be cheaper than competitors.
Cheap Insurance Rates for Teens
Allied may offer some of the most affordable car insurance rates in Henderson at around $911 a year. This is $663 less than the average policy premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family would also be considered some of the cheaper Henderson, NV auto insurance companies.
As shown above, if you are currently insured with Oregon Mutual and switched to Travelers, you could realize an annual premium reduction of in the vicinity of $254. Drivers with American Family might save as much as $291 a year, and Progressive customers might cut rates by $299 a year.
To discover how much you can save, click here to get a free quote or visit any of the companies below.
Be aware that those premiums are averaged across all drivers and vehicles in Nevada and and are not calculated with a specific vehicle garaging location for teenage females. So the auto insurance company that is most affordable for your situation may not even be in the top 20 companies shown above. That’s why you need to get quotes using your own driver information and specific vehicle type.
One of the more important criteria that help determine the cost of insurance is where you normally keep your vehicle in Henderson. Areas with increased crime or more people tend to pay slightly more, whereas less populated areas tend to receive slightly lower rates.
The following table shows the highest-priced areas in Nevada for teenage females to buy auto insurance in. Henderson is ranked at #8 costing $1,697 for car insurance, which is around $141 monthly.
|7||North Las Vegas||$1,826|
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Table data uses approximated as specific Henderson zip code can change price quotes noticeably.
The make and model of vehicle requiring insurance is probably the biggest factor when shopping for low-priced auto insurance for teenage females. Vehicles with limited speed and performance, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than high performance models. The next list ranks car insurance rates for some of the cheaper automobiles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$7,141|
|Ford Escape Limited 2WD||$7,211|
|Volkswagen Jetta S 2.5 Station Wagon||$7,662|
|Honda Accord EX-L 4-Dr Sedan||$7,669|
|Ford Explorer XLT AWD||$8,022|
|Jeep Wrangler Rubicon 4WD 2-Dr||$8,029|
|Ford Focus SE 4-Dr Sedan||$8,404|
|Chevrolet Impala LT||$8,473|
|Chevrolet Malibu LS||$8,479|
|Nissan Altima 2.5 4-Dr Sedan||$8,473|
|Chevrolet Equinox LS AWD||$8,478|
|Toyota RAV4 Limited 4WD||$8,473|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$8,543|
|Dodge Grand Caravan SXT||$8,552|
|Ford Edge Limited AWD||$8,925|
|Hyundai Elantra SE 4-Dr Sedan||$8,935|
|Toyota Corolla LE||$8,925|
|Honda Odyssey EX-L||$8,934|
|GMC Sierra SLT Crew Cab 2WD||$8,994|
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in Henderson, NV location which can increase or decrease coverage prices noticeably.
By looking at the data, we can assume that vehicles like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Honda Accord are going to be some of the more affordable vehicles to insure for teen girls. Auto insurance rates will trend higher just because there is more risk for teenage females, but overall those specific models will have the lowest insurance rates that you’ll find.
The diagram below highlights how deductible selection can influence yearly insurance costs when quoting cheap insurance for teenage females. The premiums are based on a married female driver, full coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could lower their car insurance rates by $210 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $318 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could drop their prices $522 or even more just by choosing larger deductibles. If you do raise deductibles, it is important to have additional savings on hand to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discount Henderson auto insurance rates
Insurers that offer coverage for teenage females may provide rate discounts that may potentially lower prices by as much as 30% if you are eligible. A few popular companies and a selection of discounts are detailed below.
- State Farm has discounts for Steer Clear safe driver discount, student away at school, good driver, anti-theft, defensive driving training, and safe vehicle.
- American Family has savings for early bird, bundled insurance, accident-free, Steer into Savings, multi-vehicle, TimeAway discount, and good student.
- AAA may include discounts for multi-policy, AAA membership discount, anti-theft, good driver, and pay-in-full.
- GEICO offers discounts including multi-vehicle, daytime running lights, membership and employees, driver training, military active duty, multi-policy, and good student.
- Mercury Insurance offers discounts for multi-policy, multi-car, good student, age of vehicle, low natural disaster claims, annual mileage, and professional/association.
- Farmers Insurance offers premium reductions for bundle discounts, business and professional, homeowner, early shopping, and multi-car.
- Progressive may offer discounts for continuous coverage, multi-policy, good student, homeowner, and multi-vehicle.
The information below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, passive restraint, paperless filing, anti-theft, continuous coverage, and paid-in-full discounts applied. When discounts are applied, theaverage yearly reduction on insurance for teenage females is 28% or $587.
Finding the best auto insurance company can be rather challenging considering how many different companies there are to choose from in Henderson. The company ratings in the lists below could help you select which auto insurers you want to consider comparing prices from. These rankings only include the companies with a significant amount of written premium nationwide, so companies that focus mainly on Nevada business are not included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Why are you paying too much for car insurance?
Henderson insurance rates are calculated based on many things that may substantially change the policy price. Improving your credit score, buying higher coverage limits, or getting a ticket for careless driving can cause premium changes resulting in some rates now being affordable when they were higher priced. In addition, insurers amend premium rates as often as every three months to adjust for unexpected claims or profits. Larger than normal claims may cause more expensive premiums, while lower claim expenses may cause cheaper Henderson car insurance rates.
As an example, the chart below demonstrates which company has the cheapest car insurance in Henderson, NV for a 40-year-old female driver with no accidents, a clean driving record, and solid credit. If we look at prices based on her current risk factors, Travelers might offer the best car insurance rates in Henderson at $1,483 annually. This is $91 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, American Family, and Oregon Mutual are the remaining cheapest Henderson, NV auto insurance companies.
The chart below compares rates after we give the driver in the first example a chargeable accident, a little lower credit rating, and a speeding ticket. Because each insurer uses their own method to determining premium rates, comparing quotes may now result in a different ranking of affordable Henderson car insurance companies as shown below.
GEICO now has the best auto insurance rate in Henderson, NV with Nationwide, USAA, Safeco, and Allied now rounding out the top five. This example proves why consumers need to take the time to compare many different companies to find the most budget-friendly car insurance quotes for teenage females.
Auto insurance prices are impacted by many factors and can increase or decrease at any time, so the cheapest rate when you last compared rates may now be one of the higher cost companies.
If you aren’t sure which coverage to buy and prefer to get some professional input when comparing insurance rates for teen girls, the agents below can help you determine which auto insurance coverages would be the best in your situation.
To find a Henderson insurance agent in your neighborhood, click the button following the list or click here to compare rates now.
Carol Drake – State Farm Insurance Agent
1913 N Green Valley Pkwy – Henderson, NV 89074 – (702) 361-0300
American National Insurance Morgan Agency LLC, Jarod Morgan
1120 Wigwam Pkwy #100 – Henderson, NV 89052 – (702) 430-7764
Sam King – State Farm Insurance Agent
2253 N Green Valley Pkwy – Henderson, NV 89014 – (702) 435-0222
Randy Wilcox – State Farm Insurance Agent
11115 S Eastern Ave #130 – Henderson, NV 89052 – (702) 617-9111
3481 E Sunset Rd #100 – Las Vegas, NV 89120 – (702) 220-8640