What Auto Insurance is Cheapest for State Employees in Henderson?

Deciding which companies quote the lowest-priced car insurance rates for state employees will take a tad more effort in order to find a policy that fits your budget.

Each auto insurance company uses their own method to set policy rates, so we will examine the car insurance companies with the overall cheapest rates in Henderson. Keep in mind that Henderson car insurance rates are impacted by many things which can substantially change the price you have to pay for coverage. Getting older, buying another vehicle, or getting a couple of tickets can trigger price changes that can now make some companies more affordable than others.

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Who has the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Travelers $930
2 Allied $949
3 Capital $1,018
4 American Family $1,182
5 Oregon Mutual $1,182
6 Progressive $1,190
7 GEICO $1,232
8 Nationwide $1,295
9 Safeco $1,306
10 USAA $1,336
11 Farmers $1,496
12 MetLife $1,567
13 Country $1,602
14 State Farm $1,732
15 Mercury $1,825
16 Victoria $2,031
17 Liberty Mutual $2,161
18 Bristol West $2,313
19 Allstate $2,314
20 Encompass $2,710
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Travelers generally has some of the most affordable car insurance rates in Henderson at around $930 annually. Allied, Capital, American Family, and Oregon Mutual also rank well as some of the cheapest Henderson, NV auto insurance companies.

As depicted above, if you currently buy coverage from Oregon Mutual and switched to Allied, you could realize a yearly price reduction of approximately $233. Nevada drivers with Progressive could save as much as $241 a year, and GEICO policyholders might reduce prices by as much as $283 a year.

Understand that those policy prices are averaged for all drivers and vehicles and do not take into consideration an exact zip code location for state employees. So the auto insurance company that has the lowest price for you may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

The car, truck, or SUV you are trying to insure is a large consideration in finding the best cheap insurance for state employees. Vehicles with high performance, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The information below outlines auto insurance costs for the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Henderson, NV
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,334
Hyundai Elantra GLS Touring Station Wagon $2,343
Toyota Tacoma 4WD $2,380
Ford Fusion S 4-Dr Sedan $2,518
Toyota Camry LE $2,526
Ford Escape Limited 4WD $2,541
Ford Edge SE 2WD $2,554
Ford F-150 Lariat Crew Cab 4WD $2,564
Ford Focus SES 4-Dr Sedan $2,604
Ford Explorer XLT 4WD $2,610
Toyota Prius $2,663
Volkswagen Jetta SE 4-Dr Sedan $2,699
GMC Sierra SLE Extended Cab 4WD $2,704
Chevrolet Silverado 2500HD LT Crew Cab 4WD $2,699
Jeep Grand Cherokee Limited 2WD $2,709
Chevrolet Impala LS $2,706
GMC Sierra 3500HD SLE Crew Cab 2WD $2,748
Chevrolet Equinox LS AWD $2,761
Toyota RAV4 Limited 2WD $2,766
Honda Odyssey EX $2,775
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can affect premiums considerably.

Based on these rates, we can conclude that cars like the Honda CR-V, Hyundai Elantra, and Toyota Tacoma are most likely going to be the cheaper vehicles to insure for state workers.

Get discount Henderson car insurance

Discounts on car insurance for state employeesInsurance companies that offer quotes for state employees may also give you price discounts that could reduce prices by as much as 30% if you are eligible to receive them. A few popular companies and a selection of discounts can be found below.

The information below shows the comparison of insurance premiums with and without discounts applied to the premium. The costs are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, claim-free, vehicle safety, multiple vehicle, marriage, and multiple policy discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for state employees is 27% or $424.

The illustration below demonstrates how deductible levels can impact insurance costs when researching cheap insurance for state employees. The premium estimates are based on a single female driver, comp and collision included, and no discounts are factored in.

As shown above, a 40-year-old driver could save $244 a year by changing from a $100 deductible up to a $500 deductible, or save $370 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, can save up to $620 every year by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

A good deal can quickly turn bad

Henderson, NV car insurance rates are influenced by many factors that may substantially change the price of coverage. Simply turning a year older, having a teenage driver, or getting into an accident can trigger price changes that may make certain companies affordable when they were higher priced. Not only that, but companies file new Nevada car insurance rates every year or even multiple times each year in order to offset underwriting gains or losses. A period of higher than normal claims can cause more expensive prices, while long-term profits may produce lower-priced Henderson car insurance rates.

The graph below compares the cheapest car insurance in Henderson, NV for a 40-year-old male driver with a clear driving record, no claims, and excellent credit. If we look at prices based on his current situation, Travelers may have the most affordable car insurance rates in Henderson at $1,544 each year. This is $30 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are the remainder of the cheapest Henderson, NV auto insurance companies.

Now we will pretend the driver from the above example some claims, bad credit, and a speeding citation. Since each insurance company has a different formula for establishing rates, comparing prices could now result in a different ranking of the cheapest companies as shown below.

GEICO now has the best car insurance rate in Henderson, NV with Allied, Safeco, USAA, and Capital also being competitive. This example demonstrates why it is crucial to do a thorough rate comparison to find the cheapest auto insurance rates for state employees.

Prices can be altered by many risk factors and change substantially, so the cheapest company a year ago may now be costing you a lot of money.

If you aren’t sure which coverage you need and prefer to get some guidance when comparing insurance rates for state workers, the professional agents shown below can help you decide which coverage meets your needs best.

To find an auto insurance agency close to you, click the button link following the list.

Cassidy Arbeli – State Farm Insurance Agent
693 N Valle Verde Dr Ste 4Henderson, NV 89014(702) 902-1909

Allstate Insurance: Conner Family and Associates, LLC
30 S Water St aHenderson, NV 89015(702) 564-0665

Farmers Insurance – Christopher Sutter
11201 S Eastern Ave #110Henderson, NV 89052(702) 260-8589

View more Henderson, NV insurance agents