How Much are Auto Insurance Rates for Safe Drivers in Henderson?

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.

Cheapest Vehicles to Insure in Henderson, NV
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.

How much does car insurance cost in Henderson, NV?
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

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Cheapest auto insurance in Nevada ranked by cost per year
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

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Large Auto Insurance Companies in Henderson Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. Liberty Mutual
  6. GEICO
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. 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.

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.

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