This would be a really short article if we could simply tell you the one company in Nevada that has the cheapest rate quotes in Nevada. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like the annual mileage you drive, whether you want full coverage, and if you own your own home. This article will discuss some of these factors and also should give you a good start to your coverage search.
Trying to buy budget car insurance is tough enough, and finding out which companies offer the cheapest car insurance rates for good students will take even more rate comparisons. Every insurance company uses a slightly different approach for setting rates, so first let’s look at the rankings for the car insurance companies with the overall cheapest rates in Henderson, NV.
Best Insurance Companies for Students
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $903 |
| 2 | Allied | $911 |
| 3 | Capital | $988 |
| 4 | American Family | $1,182 |
| 5 | Oregon Mutual | $1,182 |
| 6 | GEICO | $1,232 |
| 7 | Progressive | $1,238 |
| 8 | Nationwide | $1,295 |
| 9 | USAA | $1,323 |
| 10 | Safeco | $1,346 |
| 11 | Farmers | $1,438 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,681 |
| 15 | Mercury | $1,753 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,227 |
| 18 | Allstate | $2,337 |
| 19 | Bristol West | $2,407 |
| 20 | Encompass | $2,684 |
| Quote Your Rates Go | ||
Travelers may have some of the best car insurance rates in Henderson at around $903 each year. Allied, Capital, American Family, and Oregon Mutual also qualify as some of the lowest-priced Henderson, NV car insurance companies.
In the above example, if you are insured with Allied and switched to Travelers, you could earn a yearly savings of in the neighborhood of $8. Drivers with Capital may save as much as $85 a year, and American Family policyholders might cut rates by $279 a year.
Be aware that those premium estimates are averaged across all insureds and vehicles and do not take into consideration a specific zip code for good students. So the auto insurance company that has the lowest price for you may not even be in the top 20 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
The type of vehicle to be insured is one of the largest considerations when comparing the most affordable auto insurance for good students. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than fast, unsafe models. The list below presents insurance costs for a number of the most budget-friendly vehicles to insure in Nevada.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $8,584 |
| Honda CR-V LX 2WD | $8,592 |
| Jeep Wrangler Sport 4WD 2-Dr | $8,971 |
| Toyota Prius | $9,323 |
| Ford Explorer XLT 4WD | $9,626 |
| Dodge Grand Caravan CV | $9,631 |
| Volkswagen Jetta 2.0T Station Wagon | $9,885 |
| Toyota Camry LE | $10,184 |
| Chevrolet Equinox LT AWD | $10,189 |
| Chevrolet Impala LT | $10,184 |
| Ford Fusion S 4-Dr Sedan | $10,194 |
| Toyota RAV4 Limited 2WD | $10,184 |
| Jeep Grand Cherokee Laredo 2WD | $10,192 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $10,273 |
| Ford Edge Sport 2WD | $10,747 |
| Honda Odyssey EX-L W/Rear Entertainment | $10,757 |
| Toyota Corolla LE | $10,747 |
| Hyundai Elantra GLS 4-Dr Sedan | $10,753 |
| Nissan Altima Hybrid 4-Dr Sedan | $10,835 |
| GMC Sierra SLT Extended Cab 4WD | $10,840 |
| Chevrolet Malibu LTZ | $10,835 |
| Honda Civic Hybrid 4-Dr Sedan | $10,841 |
| Ford F-150 Lariat King Ranch 4WD | $10,924 |
| Find Cheaper Rates Go | |
Data variables include 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. Prices do not factor in vehicle garaging location which can affect rates significantly.
Based upon these rates, you can figure that makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, and Toyota Prius are most likely to be a few of the most budget-friendly vehicles to insure for student drivers.
One of the many considerations that determine the cost of insurance is your zip code in Henderson. Cities with larger populations likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The next table lists the most expensive areas in Nevada for good students to purchase auto insurance in. Henderson is ranked #8 with an annual premium of $1,715 on average, which is approximately $143 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,180 |
| 2 | Sunrise Manor | $2,069 |
| 3 | Spring Valley | $2,060 |
| 4 | Paradise | $2,041 |
| 5 | Las Vegas | $1,930 |
| 6 | Enterprise | $1,908 |
| 7 | North Las Vegas | $1,882 |
| 8 | Henderson | $1,715 |
| 9 | Boulder City | $1,541 |
| 10 | Mesquite | $1,325 |
| 11 | Pahrump | $1,323 |
| 12 | Sun Valley | $1,305 |
| 13 | Sparks | $1,265 |
| 14 | Reno | $1,244 |
| 15 | Spanish Springs | $1,216 |
| 16 | Dayton | $1,141 |
| 17 | Carson City | $1,136 |
| 18 | Fallon | $1,108 |
| 19 | Gardnerville Ranchos | $1,104 |
| 20 | Fernley | $1,103 |
| Compare Rates Now Go | ||
Information shown are comparative as the specific area where the vehicle is garaged can increase or decrease premiums substantially.
Henderson car insurance companies ranked
Choosing the highest-rated auto insurance provider can be a challenge considering how many different companies insure vehicles in Henderson. The company rank data below may help you select which car insurance providers you want to consider when comparing rate quotes. These ratings are for the largest auto insurers in America, so smaller regional companies are not taken into consideration for the list.
Top 10 Major Auto Insurance Providers Overall in Henderson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Discount Henderson car insurance
Auto insurance companies that provide coverage for good students may also give you premium discounts that can reduce rates by 40% or more if you are eligible. Large car insurance companies and some of the discounts are shown below.
- State Farm policyholders can earn discounts including multiple autos, driver’s education, Drive Safe & Save, student away at school, good student, and passive restraint.
- Farmers Insurance offers discounts for early shopping, electronic funds transfer, business and professional, multi-car, mature driver, and pay in full.
- GEICO offers premium reductions for defensive driver, multi-policy, federal employee, membership and employees, air bags, seat belt use, and anti-theft.
- American Family discounts include Steer into Savings, bundled insurance, good student, early bird, and defensive driver.
- Nationwide offers discounts including Farm Bureau membership, defensive driving, family plan, accident-free, and good student.
- Progressive includes discounts for multi-vehicle, continuous coverage, homeowner, multi-policy, online signing, and online quote discount.
The diagram below illustrates the comparison of car insurance rates with and without discounts applied to the premium. The prices are based on a female driver, no violations or claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with paid-in-full, paperless filing, good student, anti-theft, vehicle safety, and continuous coverage discounts applied. With discounts applied, theaverage yearly reduction on car insurance for good students is 28% or $534.
How to find cheaper auto insurance for good students
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help drivers find cheaper car insurance.
- Vehicles with safetly features generally cost less to insure
- Raise your deductibles
- Accident-free drivers may qualify for discounts
- Remove physical damage coverage on older vehicles
- Drivers with good credit ratings often pay less
- Speeding tickets and other violations increase rates
- Compare prices as often as possible
The last tip is extraordinarily crucial, as we discussed in the article above. Coverage rates can change significantly in a year, so you should be ready to change insurance companies if a better deal can be had. Many drivers prefer to stick with one company, but it isn’t a good idea if that devotion results in you overpaying major coinage every year. In just a couple of minutes you could compare rates and find cheaper auto insurance for good students in Henderson.
The agencies below can probably provide answers to your questions and help you determine which coverages are best, as some people prefer to have some advice when buying car insurance for good students. It’s not always simple to find the best policy on your own, so getting professional guidance from a licensed agent can give you comfort knowing your policy gives you sufficient protection if you have a claim. To locate a Henderson car insurance agency close to where you live, click the link at the bottom.
- Allstate Insurance: Helene Karp
305 N Pecos Rd c – Henderson, NV 89074 – (702) 436-0200 - Carol Drake – State Farm Insurance Agent
1913 N Green Valley Pkwy – Henderson, NV 89074 – (702) 361-0300 - Jason Spronk – State Farm Insurance Agent
900 Wigwam Pkwy #140 – Henderson, NV 89014 – (702) 564-3380 - Farmers Insurance Group: Hesselgesser Insurance Agency
229 N Pecos Rd #110 – Henderson, NV 89074 – (702) 434-1230