The vehicle model requiring coverage is one of the primary factors when trying to find the most economical insurance for safe drivers. Vehicles with lower acceleration and performance, modern passenger safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models. The next list estimates auto insurance prices for a handful of the most cost-effective automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $2,078 |
| Toyota Prius | $2,249 |
| Chevrolet Impala LS | $2,359 |
| Ford Focus S 4-Dr Sedan | $2,369 |
| Chevrolet Malibu Hybrid | $2,405 |
| Toyota Camry LE | $2,411 |
| Nissan Altima 2.5 4-Dr Sedan | $2,405 |
| Jeep Grand Cherokee Laredo 4WD | $2,412 |
| Toyota RAV4 Limited 4WD | $2,405 |
| Honda Accord LX 4-Dr Sedan | $2,492 |
| Toyota Corolla LE | $2,531 |
| Honda Odyssey EX-L W/Navigation | $2,540 |
| Ford Escape XLT 4WD | $2,550 |
| Ford Edge SE 2WD | $2,563 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $2,576 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $2,615 |
| Ford Explorer XLT AWD | $2,623 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $2,625 |
| Hyundai Elantra SE Touring Station Wagon | $2,706 |
| Kia Optima SX | $2,748 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $2,758 |
| Chevrolet Equinox LS AWD | $2,757 |
| Ford F-250 XL 4WD | $2,786 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle garaging location which can decrease or increase premium rates considerably.
By looking at the data, you can see that cars like the Honda CR-V, Toyota Prius, Chevrolet Impala, Ford Focus, and Chevrolet Malibu will be the most economical vehicles to insure for good drivers.
For good drivers, one of the more important things that are looked at to help calculate the annual cost of car insurance is your zip code in Henderson. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The information below shows the most costly cities in Nevada for safe drivers in which to purchase auto insurance. Henderson ranks #8 with an annual cost of $1,749 for the average insured, which is around $146 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,180 |
| 2 | Spring Valley | $2,060 |
| 3 | Sunrise Manor | $2,008 |
| 4 | Paradise | $1,981 |
| 5 | Las Vegas | $1,930 |
| 6 | Enterprise | $1,927 |
| 7 | North Las Vegas | $1,844 |
| 8 | Henderson | $1,749 |
| 9 | Boulder City | $1,511 |
| 10 | Pahrump | $1,323 |
| 11 | Mesquite | $1,311 |
| 12 | Sun Valley | $1,305 |
| 13 | Sparks | $1,278 |
| 14 | Spanish Springs | $1,253 |
| 15 | Reno | $1,244 |
| 16 | Dayton | $1,141 |
| 17 | Fernley | $1,137 |
| 18 | Elko | $1,125 |
| 19 | Spring Creek | $1,125 |
| 20 | Carson City | $1,124 |
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Table data uses approximated as the specific garaging location can lower or raise premium rates noticeably.
Deciding which companies offer the most affordable car insurance rates for safe drivers will take a little more sweat than just comparing rates from one or two companies. Each auto insurer has their own guidelines to establish rates, so let’s rank the car insurance companies with the overall best prices in Nevada.
It’s important that readers know that Henderson, NV car insurance rates are influenced by many factors that control the policy premium. Simply improving your credit, having a claim, or getting a speeding ticket can trigger price changes that can make some companies more affordable than competitors.
Cheapest Insurance Rates for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $930 |
| 2 | Allied | $939 |
| 3 | Capital | $988 |
| 4 | Oregon Mutual | $1,147 |
| 5 | American Family | $1,218 |
| 6 | GEICO | $1,219 |
| 7 | Progressive | $1,238 |
| 8 | Nationwide | $1,282 |
| 9 | USAA | $1,336 |
| 10 | Safeco | $1,346 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,615 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,749 |
| 15 | Mercury | $1,771 |
| 16 | Victoria | $2,073 |
| 17 | Liberty Mutual | $2,227 |
| 18 | Allstate | $2,314 |
| 19 | Bristol West | $2,336 |
| 20 | Encompass | $2,630 |
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Travelers may offer some of the lowest car insurance rates in Henderson at around $930 each year. This is $644 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family would also be considered some of the most economical Henderson, NV car insurance companies.
As the rates illustrate above, if you currently have a policy with Capital and switched to Travelers, you might achieve a yearly savings of around $58. Insureds with Oregon Mutual might save as much as $217 a year, and American Family customers might cut rates by $288 a year.
Be aware that those policy rates are averaged for all types of insureds and vehicles and do not factor in an exact location for safe drivers. So the insurer that fits your situation best may not even be in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.
Best car insurance in Henderson
Picking a highly-rated auto insurance provider is difficult considering how many companies provide coverage in Nevada. The information in the next section may help you decide which auto insurance companies you want to consider when comparing insurance rates for safe drivers.
The ratings below only include the largest companies in the United States, so companies without a large exposure are not included in these rankings. If you’d like to compare prices from these companies and more, just click here.
Top 10 Large Auto Insurance Companies Overall in Henderson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Large Auto Insurance Companies in Henderson Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Cost of full coverage
Finding cheaper car insurance is important to most people, and one of the easiest ways to buy cheap insurance for safe drivers is to buy only liability coverage. The example below visualizes the comparison of insurance prices with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving citations, $500 deductibles, marital status is single, and no additional discounts are factored in.
If the expense is averaged for all age categories, comp and collision coverage costs an extra $1,455 per year over and above liability only. That proposes the question if you should buy full coverage at all. There is no set guideline of when to drop full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s claim settlement value is $7,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,500 after you pay the deductible. If you are paying over $650 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
How to find low-cost insurance for safe drivers
It’s not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help Henderson drivers find more affordable coverage.
- Maintain a safe distance and avoid accidents
- Bundle home or renters insurance to earn a discount on car insurance
- Tickets and violations raise rates
- Buy safe vehicles
- Pay for smaller claims out-of-pocket
- Shop around for cheaper prices often
That last idea is very significant, as we discussed in this piece. Car insurance prices vary greatly, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money.
Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you hundreds every year. In just a couple of minutes you could compare rates to find cheaper car insurance for safe drivers in Henderson.
If you would rather get help from a professional when comparing insurance rates for good drivers, the agents shown below can help you decide which insurance coverage will be best for you. To locate a Henderson insurance agent closest to you, click the button below the list or click here to compare prices now.
- Allstate Insurance: Helene Karp
305 N Pecos Rd c – Henderson, NV 89074 – (702) 436-0200 - Paradigm Insurance Agency
170 S Green Valley Pkwy #300 – Henderson, NV 89012 – (702) 522-0730 - GEICO Insurance Agent
19 S Stephanie St #190 – Henderson, NV 89012 – (702) 565-9198