Who Has the Cheapest Henderson Auto Insurance for Low Mileage Drivers?

For infrequent drivers, one of the largest considerations that aid in calculating the price you pay for insurance is your zip code. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the luxury of lower rates.

The information below sorts the highest-priced areas in Nevada for low mileage drivers to purchase a policy in. Henderson shows up at #8 having an annual price of $1,697 for car insurance, which is around $141 per month.

Car insurance prices in Henderson
Rank City Annual Rate
1 Winchester $2,180
2 Spring Valley $2,060
3 Sunrise Manor $2,029
4 Paradise $1,981
5 Las Vegas $1,930
6 Enterprise $1,851
7 North Las Vegas $1,826
8 Henderson $1,697
9 Boulder City $1,511
10 Mesquite $1,325
11 Pahrump $1,323
12 Sparks $1,304
13 Reno $1,256
14 Sun Valley $1,253
15 Spanish Springs $1,229
16 Carson City $1,158
17 Gardnerville Ranchos $1,150
18 Fernley $1,149
19 Spring Creek $1,125
20 Dayton $1,097
Start a Quote Go

Table data uses estimated as the vehicle garaging location can increase or decrease coverage prices significantly.

The vehicle model you are seeking coverage for is one of the biggest factors that determines whether or not you can buy the most affordable car insurance for low mileage drivers. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models.

The next list shows auto insurance premiums for a number of the more affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Henderson, NV
Make, Model, and Trim Level Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,191
Ford F-150 STX Regular Cab 2WD $2,197
Honda CR-V EX 2WD $2,261
Ford Escape XLT 2WD $2,269
Honda Accord EX 4-Dr Sedan $2,261
Ford Edge Limited 2WD $2,325
Ford Explorer Limited 2WD $2,414
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,423
Toyota Prius $2,436
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $2,439
Toyota Corolla S $2,497
Chevrolet Equinox LTZ 2WD $2,541
Volkswagen Jetta SE 2.5 Station Wagon $2,580
GMC Sierra 3500HD SLE Regular Cab 2WD $2,589
GMC Sierra SL Extended Cab 2WD $2,596
Chevrolet Impala LS $2,608
Honda Civic SI 4-Dr Sedan $2,624
Toyota Camry LE $2,669
Toyota RAV4 Limited 4WD $2,678
Toyota Camry Hybrid $2,710
Dodge Grand Caravan Crew $2,730
Nissan Altima 2.5 S 4-Dr Sedan $2,739
Dodge Ram Crew Cab Sport 4WD $2,758
Compare Rates Now Go

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can influence coverage prices greatly.

Looking at the data, you can conclude that vehicles like the Hyundai Elantra, Ford F-150, and Honda CR-V will be some of the more affordable vehicles to insure for infrequent drivers.

Insuring your vehicle with a good quality company can be difficult considering how many companies sell insurance in Henderson. The ranking data below can help you choose which coverage providers you want to consider when insurance shopping for low mileage drivers.

The ratings below only include the largest auto insurers in America, so smaller regional companies are not included in the list. To compare rates from these companies and more, click here.

Top 10 Large Car Insurance Companies in Henderson Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

Top 10 Large Car Insurance Companies in Henderson Ranked by Customer Service

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

Safe drivers Henderson pay cheaper rates

The recommended way to earn the best insurance premiums in Henderson for infrequent drivers is to be a safe driver and avoid tickets and accidents. The information below highlights how speeding tickets and accident claims can increase insurance costs for different insured age categories. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

In the prior example, the average cost of a car insurance policy per year with no violations or accidents is $2,243. Add in one speeding ticket and the average cost surges to $2,541, an increase of $298 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for low mileage drivers goes up to an average of $3,398. That’s an increase of $1,155, or $96 per month, just for not being a responsible driver!

Get discounts on Henderson car insurance rates

Cheaper Henderson, NV insurance for infrequent driversCar insurance companies that offer quotes for low mileage drivers may have premium discounts that may potentially lower prices by as much as 35% or more if you qualify for them. Popular insurance companies and a summarized list of policyholder discounts are:

The diagram below illustrates the comparison of premium costs with and without discounts applied to the policy premium. The costs are based on a female driver, a clean driving record, no claims, Nevada state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, marriage, multiple vehicle, accident-free, multiple policy, and vehicle safety discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for low mileage drivers is 28% or $383.

Henderson car insurance rates

Nevada insurance rates are impacted by many things that will increase or decrease the cost of having a policy. Improving your credit score, moving across town, or getting a ticket for careless driving can cause premium changes resulting in some rates now being more affordable than others.

And not only may your rating factors change, but companies change prices as often as every quarter in order to maintain liquidity for claims. Significantly higher losses may cause increased rates, while a profitable period can cause cheaper Henderson car insurance rates.

To help illustrate this point, the data below analyzes the cheapest car insurance in Henderson, NV for a 45-year-old female driver with a good driving record, no prior claims, and a decent credit rating. Based on her current risk factors, Travelers may offer the most affordable car insurance rates in Henderson at $1,498 each year. This is $76 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the rest of the cheapest Henderson, NV auto insurance companies.

In this example, we will give the driver from the first set of rates some claims, a lower credit rating, and a blemish on her driving record. Since each auto insurer has their own guidelines for determining prices, comparing prices may now present a completely different list of the cheapest Henderson car insurance companies as shown below.

Progressive now has the lowest price on auto insurance in Henderson with USAA, Allied, Nationwide, and Capital completing the list. This example demonstrates why drivers need to perform an extensive rate comparison to find the lowest insurance rates for low mileage drivers.

Prices are impacted by many things and can decrease or increase without notice, so the cheapest company when you last compared rates may now cost much more than other companies.