How Much is Henderson Car Insurance for Good Students?

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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Cheapest Nevada auto insurance companies
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
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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.

Cheapest Vehicles to Insure in Henderson, NV
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
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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.

How much is car insurance in Henderson?
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
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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

  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

Discount Henderson car insurance

Save on car insurance for student drivers in HendersonAuto 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.

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.

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.

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