One of the more important factors that help determine the amount you pay each year for auto insurance is where you live. Areas with increased crime or more people are more likely to have higher rates, whereas more rural areas have the enjoyment of a little cheaper coverage.
The following table ranks the priciest cities in Nevada for 17 year olds in which to buy car insurance. Henderson ranks #8 with the yearly price of $1,767 for the average insurance policy, which is approximately $147 per month.
|7||North Las Vegas||$1,844|
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Information shown are comparative as the garaging address in Henderson can modify price quotes considerably.
The car, truck, or SUV that needs insurance is probably the biggest factor that determines whether or not you can buy cheaper insurance for 17 year olds. Vehicles with high performance engines, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The table below ranks insurance premiums for a handful of the cheaper automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$8,237|
|Ford Escape XLT 4WD||$8,324|
|Hyundai Elantra SE Touring Station Wagon||$8,862|
|Honda Accord EX-L 4-Dr Sedan||$8,869|
|Ford F-150 STX Regular Cab 2WD||$9,152|
|Toyota Tacoma 4WD||$9,239|
|Ford Explorer XLT 2WD||$9,245|
|Ford Focus S 4-Dr Sedan||$9,690|
|Honda Odyssey EX||$9,697|
|Jeep Grand Cherokee Laredo 4WD||$9,777|
|Chevrolet Impala LT||$9,783|
|Toyota Camry LE||$9,777|
|Volkswagen Jetta S 4-Dr Sedan||$9,785|
|Toyota RAV4 Limited 2WD||$9,777|
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Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can influence price quotes considerably.
By looking at the data, vehicles like the Honda CR-V, Ford Escape, and Hyundai Elantra should be a few of the most economical vehicles to insure for teen drivers. Prices will tend to be more expensive anyway because of the fact that there is more claim exposure for 17 year olds, but overall those makes and models will probably have the least expensive rates that you are likely to find.
The chart below illustrates how your choice of deductibles can increase or decrease insurance premiums when searching for cheap insurance for 17 year olds. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could cut expenses by $244 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $370 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save as much as $620 annually by using higher deductibles when buying full coverage.
When choosing a higher deductible, it will now be necessary to have spare funds to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Ending up with a highly-rated auto insurance provider is difficult considering how many choices you have in Nevada. The company information in the lists below could help you select which insurers to look at when shopping car insurance rates for 17 year olds.
These ratings are for large nationwide companies, so smaller companies that only insure vehicles in Nevada will not be included in the list. If you would like to check rates from these companies and more, click here.
Top 10 Large Auto Insurers in Henderson Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Large Auto Insurers in Henderson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Careless driving habits raise Henderson car insurance rates
The obvious way to maintain the best car insurance premiums in Nevada for teen drivers is to drive carefully and avoid getting tickets or having accidents. The example below illustrates how speeding tickets and at-fault accidents can increase auto insurance costs for different categories of driver ages. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance in Henderson per year with no violations or accidents is $1,677. Receive two speeding tickets and the average cost surges to $2,256, an increase of $579 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for 17 year olds jumps again to an average of $4,304. That’s an increase of $2,627, or $219 per month, just for not being a responsible driver!
How to find budget-friendly auto insurance for 17 year olds
Here are some of the recommended thrifty ideas that can help you buy low-cost coverage.
- Pay lower rates with good credit
- Violations and traffic tickets increase rates
- Drive a car with a high safety rating
- Having at-fault accidents will increase rates
- Raise deductibles to save money
- Don’t waste money on full coverage for older vehicles
- Shop around for cheaper prices often
That last idea is highly critical, as we pointed out in this piece. Coverage prices in Henderson vary considerably, so drivers shouldn’t be resistant to buy a policy from a new company if you can find a cheaper rate. Loyalty to a specific company is fine, but it’s not a good idea if that dedication is costing hundreds every year. Now is a great time to compare rates to find cheaper car insurance for 17 year olds.
If you would rather get some professional input when comparing insurance rates for 17 year olds, the insurance agencies below can probably provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation.
To locate a Henderson car insurance agency closest to you, click the button link following the list or click here to compare prices now.
- Tommy Brooks – State Farm Insurance Agent
8955 S Pecos Rd #1b – Henderson, NV 89074 – (702) 750-9990
- Farmers Insurance: Jennifer Montisano
181 N Arroyo Grande Blvd #100 – Henderson, NV 89074 – (702) 262-5525
- American Family Insurance – Barbara Nielson
1776 W Horizon Ridge Pkwy Ste 110 – Henderson, NV 89012 – (702) 906-1860
- Farmers Insurance: Ronald Fowler
2470 St Rose Pkwy Suite 315 – Henderson, NV 89074 – (702) 478-5720
- Amber Aiello – State Farm Insurance Agent
2200 W Horizon Ridge Pkwy a – Henderson, NV 89052 – (702) 616-4663