Who Has Cheap Henderson Car Insurance for Seniors?

One of the many considerations that help determine the annual cost of car insurance is where you live. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with less congestion have the luxury of lower rates.

The following table ranks the priciest cities in Nevada for seniors to buy an auto insurance policy in. Henderson ranks #8 with an annual rate of $1,767 for the average insured, which is about $147 each month.

How much does car insurance cost in Henderson, NV?
Rank City Annual Rate
1 Winchester $2,158
2 Sunrise Manor $2,069
3 Spring Valley $2,040
4 Paradise $1,981
5 North Las Vegas $1,900
6 Las Vegas $1,892
7 Enterprise $1,870
8 Henderson $1,767
9 Boulder City $1,495
10 Pahrump $1,377
11 Mesquite $1,365
12 Sparks $1,304
13 Reno $1,294
14 Sun Valley $1,253
15 Spanish Springs $1,229
16 Gardnerville Ranchos $1,150
17 Carson City $1,124
18 Spring Creek $1,114
19 Fernley $1,103
20 Dayton $1,097
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Prices are approximated as zip code location can decrease or increase coverage rates considerably.

Trying to find low-priced car insurance is not most people’s favorite thing to do, and finding out which company offers the cheapest insurance rates for seniors requires more quotes for comparison. Every insurance company uses their own formula for determining rates, so we need to take a look at the most competitive insurance companies in Henderson, NV.

It’s important to understand that Henderson, NV insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. Things like getting older, buying a different vehicle, or getting a ticket for careless driving can cause premium changes that can cause some rates to be way too expensive in comparison to the competition.

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Cheapest Nevada car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $912
2 Allied $949
3 Capital $1,008
4 Oregon Mutual $1,158
5 Progressive $1,190
6 American Family $1,218
7 GEICO $1,269
8 Nationwide $1,321
9 USAA $1,323
10 Safeco $1,360
11 Farmers $1,438
12 MetLife $1,583
13 Country $1,651
14 State Farm $1,732
15 Mercury $1,753
16 Victoria $2,031
17 Liberty Mutual $2,161
18 Bristol West $2,336
19 Allstate $2,385
20 Encompass $2,710
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Travelers quotes some of the lowest car insurance rates in Henderson at around $912 a year. Allied, Capital, Oregon Mutual, and Progressive also rank well as some of the cheapest Henderson, NV auto insurance companies.

In the rate table above, if you are insured with Capital and switched to Travelers, you might achieve yearly savings of upwards of $96. Policyholders with Oregon Mutual might save as much as $246 a year, and Progressive customers might lower prices by up to $278 a year.

To see how much you can save, click here to begin a quote or visit several of the following companies.

It’s important to note that these policy prices are averages for all drivers and vehicles in Nevada and and are not figured with an exact zip code location for seniors. So the company that is best for you may not even be in the list above. That is why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The information below demonstrates how deductibles can influence insurance premiums when quoting cheap insurance for seniors. The data is based on a married female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 30-year-old driver could reduce rates by $244 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $370 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices up to $522 each year just by choosing larger deductibles. When using a larger deductible, it will be required to have enough in a savings account to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Nevada insurance company ratings

Picking a highly-rated auto insurance company can be rather challenging considering how many choices drivers have in Nevada. The information below could help you pick which auto insurers to look at when shopping around.

These rankings include the largest auto insurers in America, so companies that have a smaller presence are not factored into these rankings. To compare prices from these companies and more, just click here.

Top 10 Major 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 Major Auto Insurance Companies in Henderson Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. GEICO – A++
  4. State Farm – A++
  5. The Hartford – A+
  6. Esurance – A+
  7. Nationwide – A+
  8. Allstate – A+
  9. Mercury Insurance – A+
  10. Titan Insurance – A+

How to find economical insurance for seniors

The list below shows many money-saving solutions that can help Henderson drivers locate low-cost auto insurance.

The final tip is particularly important, as was stressed in the article above. Rates in Henderson can be modified anytime, so don’t be afraid to switch carriers if a lower-cost policy is available.

Being loyal to a particular company is commendable, but it’s not a good idea if it’s costing you potentially thousands of dollars a year. In less than five minutes you could shop around to find cheaper insurance for seniors.

If you would rather get some help when shopping for the best coverage for seniors, the agents shown below can probably help you make a decision which car insurance company is the best fit.

To locate a Henderson insurance agent using an interactive map, click the button at the bottom of the list.

Find a Henderson, NV insurance agent near you