Who Has the Cheapest Henderson Car Insurance Rates for Teachers?

Wouldn’t it be so easy if we could instantly tell you the single best company in Henderson that has the best rates for teachers? Unfortunately, it’s not that simple as there are a lot of unknown elements like how many years you have been driving, any tickets or violations, and if you are a homeowner. This article goes into detail about the best ways to save on auto insurance and should give you some help in finding cheaper rates.

Finding reliable, cost effective car insurance is tough enough, and determining which companies have the cheapest car insurance rates for teachers will require even more diligence. Each auto insurance company uses their own formula for determining prices, so first we will examine the car insurance companies with the overall best prices in Nevada.

Compare Cheap Insurance Quotes for Educators

Click to Compare Rates Now

Who has the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Allied $911
2 Travelers $912
3 Capital $978
4 Progressive $1,190
5 Oregon Mutual $1,193
6 American Family $1,194
7 GEICO $1,219
8 USAA $1,284
9 Safeco $1,306
10 Nationwide $1,334
11 Farmers $1,438
12 MetLife $1,615
13 Country $1,668
14 State Farm $1,681
15 Mercury $1,825
16 Victoria $2,093
17 Liberty Mutual $2,183
18 Bristol West $2,313
19 Allstate $2,385
20 Encompass $2,684
Find Your Rate Go

Allied may offer some of the lowest car insurance rates in Henderson at around $911 annually. Travelers, Capital, Progressive, and Oregon Mutual also rank well as some of the cheaper Henderson, NV insurance companies.

In this example, if you are a policyholder with Progressive and switched to Travelers, you could realize yearly savings of around $278. Nevada drivers with Oregon Mutual may save as much as $281 a year, and American Family customers might reduce prices by as much as $282 a year.

Understand that those estimates are averaged across all insureds and vehicles and and are not figured with a vehicle location for teachers. So the car insurance company that fits your age and vehicle best may not even be in the top 20 companies in the list above. That illustrates why you need to get car insurance quotes using your own individual information.

The vehicle to be insured is probably the biggest factor that determines the availability of the most economical insurance for teachers. Vehicles with lots of speed or power, a lack of modern safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The next table estimates auto insurance prices for a handful of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Henderson, NV
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,127
Ford Escape Limited 2WD $2,176
Hyundai Elantra GLS Touring Station Wagon $2,334
Toyota Prius $2,360
Chevrolet Impala LS $2,469
Dodge Grand Caravan Hero $2,518
Toyota Tacoma Double Cab 4WD $2,526
Honda Accord EX-L 4-Dr Sedan $2,541
Chevrolet Malibu LTZ $2,699
GMC Sierra SLE Regular Cab 4WD $2,706
Toyota RAV4 Limited 2WD $2,762
Chevrolet Equinox LT AWD $2,767
Ford Edge Limited 2WD $2,775
Volkswagen Jetta 2.0T Station Wagon $2,794
Ford Explorer Limited 4WD $2,814
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $2,827
Toyota Camry Hybrid $2,883
Nissan Altima 2.5 S 2-Dr Coupe $2,889
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $2,883
GMC Sierra 2500HD SLE Regular Cab 2WD $2,892
Ford F-150 XLT Crew Cab 4WD $2,903
Ford Focus SES 4-Dr Sedan $2,906
Toyota Camry SE $2,913
Find Cheaper Rates Go

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can raise or lower coverage rates significantly.

Based upon the rates shown, you can expect vehicles like the Honda CR-V, Ford Escape, and Hyundai Elantra are going to be some of the most economical vehicles to insure for teachers and educators.

For teachers and educators, one of the more important things that are looked at to determine auto insurance rates is where you choose to live in Henderson. Areas with increased crime or more people will most likely have higher rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The next table rates the priciest cities in Nevada for teachers to buy car insurance in. Henderson ranks #8 with an annual rate of $1,715 for the average policyholder, which is around $143 monthly.

How much is car insurance in Henderson?
Rank City Annual Premium
1 Winchester $2,158
2 Paradise $2,061
3 Spring Valley $2,040
4 Sunrise Manor $2,008
5 Enterprise $1,908
6 North Las Vegas $1,882
7 Las Vegas $1,873
8 Henderson $1,715
9 Boulder City $1,511
10 Pahrump $1,377
11 Mesquite $1,365
12 Sun Valley $1,292
13 Reno $1,282
14 Spanish Springs $1,266
15 Sparks $1,265
16 Gardnerville Ranchos $1,138
17 Fernley $1,137
18 Carson City $1,124
19 Spring Creek $1,114
20 Dayton $1,097
Start a Quote Go

Information shown are approximated as the specific area where the vehicle is garaged can decrease or increase price quotes greatly.

Discount Henderson auto insurance

Discounts on car insurance for teachersInsurance companies that offer coverage for teachers may also provide discounts that can lower rates by as much as 25% or more if you are eligible for them. Popular car insurance companies and some of the discounts are shown below.

The illustration below compares annual premium costs with and without discounts applied to the policy premium. The data assumes a male driver, no violations or claims, Nevada state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, vehicle safety, multiple policy, safe-driver, passive restraint, and homeowner discounts applied. When discounts are applied, the average savings per year on car insurance for teachers is 28% or $487.

The chart below highlights how deductible selection can impact insurance costs when trying to find cheap insurance for teachers. The premiums assume a married male driver, comp and collision included, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could save $238 a year by switching from a $100 deductible to a $500 deductible, or save $360 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could possibly save $714 annually by using a higher deductible.

If you do decide to increase your deductibles, it will be important to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Insuring your vehicle with a high-quality insurance company can be rather challenging considering how many different companies sell coverage in Henderson. The rank data shown next can help you pick which providers to look at comparing price quotes from. These ratings include the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into the list.

Best 15 Car Insurance Companies for Teachers in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies