The vehicle you are trying to insure is probably the most important factor when comparison shopping for low-priced coverage for a learners permit. Vehicles with lots of speed or power, a lack of advanced safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models.
The list below outlines insurance prices for some of the most economical automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $8,149 |
| Honda Accord EX 4-Dr Sedan | $8,158 |
| Jeep Wrangler Sport 4WD 2-Dr | $8,518 |
| Volkswagen Jetta S 2.5 Station Wagon | $8,767 |
| Ford Escape Limited 4WD | $8,777 |
| Toyota Prius | $8,854 |
| Ford F-150 XL Crew Cab 2WD | $9,139 |
| Toyota Tacoma 4WD | $9,144 |
| Ford Focus S 4-Dr Sedan | $9,584 |
| Dodge Grand Caravan Hero | $9,671 |
| Chevrolet Equinox LS 2WD | $9,681 |
| Chevrolet Impala LT | $9,671 |
| Toyota RAV4 Limited 4WD | $9,676 |
| Jeep Grand Cherokee Laredo 4WD | $9,671 |
| Ford Explorer Eddie Bauer 4WD | $9,757 |
| Chevrolet Malibu LT | $9,765 |
| Hyundai Elantra Blue 4-Dr Sedan | $10,116 |
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Prices above based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can affect insurance rates significantly.
By looking at the data, you can conclude that vehicles like the Honda CR-V, Honda Accord, Jeep Wrangler, and Volkswagen Jetta are most likely to be the cheaper vehicles to insure for new drivers. Car insurance rates will tend to be more expensive just due to the fact that there is more exposure for a learners permit, but in general those particular models will tend to have the cheapest car insurance rates compared to all other vehicles.
Establishing which companies quote the cheapest car insurance rates for a learners permit will involve a tad more effort than just getting one or two price quotes. Every insurance company uses a different method for determining rates, so let’s take a look at the lowest cost car insurance companies in Henderson.
We do need to point out that Henderson, NV car insurance rates are calculated based on many things that control the price of coverage. Simply turning a year older, having a teen driver, or getting a speeding ticket may prompt premium changes resulting in some companies being much cheaper than others.
Find the Cheapest Car Insurance in Nevada
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $903 |
| 2 | Allied | $911 |
| 3 | Capital | $988 |
| 4 | Oregon Mutual | $1,147 |
| 5 | Progressive | $1,226 |
| 6 | American Family | $1,230 |
| 7 | GEICO | $1,232 |
| 8 | Nationwide | $1,282 |
| 9 | USAA | $1,336 |
| 10 | Safeco | $1,360 |
| 11 | Farmers | $1,496 |
| 12 | MetLife | $1,615 |
| 13 | Country | $1,651 |
| 14 | State Farm | $1,732 |
| 15 | Mercury | $1,825 |
| 16 | Victoria | $2,073 |
| 17 | Liberty Mutual | $2,161 |
| 18 | Allstate | $2,337 |
| 19 | Bristol West | $2,384 |
| 20 | Encompass | $2,604 |
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Travelers generally has some of the cheapest car insurance rates in Henderson at around $903 each year. This is $671 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive would also be considered some of the more affordable Henderson, NV car insurance companies.
In the above example, if you currently have a policy with Capital and switched to Travelers, you may realize a yearly savings of in the neighborhood of $85. Customers with Oregon Mutual could save as much as $244 a year, and Progressive customers might reduce rates by $323 a year.
It’s important to note that these estimates are averages for all insureds and vehicles and and are not figured with a specific zip code for a learners permit. So the insurer that is best suited for you may not even be in the list above. That is why you need to compare as many prices as possible using your own driver information and specific vehicle type.
One of the many things that are looked at to determine the amount you pay for auto insurance is where you normally keep your vehicle. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The following table rates the highest-priced areas in Nevada for a learners permit in which to buy car insurance. Henderson comes in at #8 with an annual rate of $1,715 for the average policyholder, which is around $143 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Winchester | $2,180 |
| 2 | Sunrise Manor | $2,069 |
| 3 | Paradise | $2,061 |
| 4 | Spring Valley | $2,000 |
| 5 | Las Vegas | $1,892 |
| 6 | Enterprise | $1,851 |
| 7 | North Las Vegas | $1,826 |
| 8 | Henderson | $1,715 |
| 9 | Boulder City | $1,541 |
| 10 | Pahrump | $1,377 |
| 11 | Sparks | $1,317 |
| 12 | Mesquite | $1,311 |
| 13 | Sun Valley | $1,305 |
| 14 | Reno | $1,282 |
| 15 | Spanish Springs | $1,216 |
| 16 | Carson City | $1,136 |
| 17 | Elko | $1,125 |
| 18 | Gardnerville Ranchos | $1,116 |
| 19 | Fallon | $1,108 |
| 20 | Fernley | $1,103 |
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Price information shown is approximated as the vehicle garaging location can revise prices considerably.
The information below illustrates how your deductible choice can change yearly insurance costs when trying to find cheap insurance for a learners permit. The data is based on a married male driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower rates by $290 a year by increasing from a $100 deductible up to a $500 deductible, or save $436 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old example, have the ability to save $978 or more by choosing a higher deductible. When increasing deductibles, it will be required to have enough funds in savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Get discounts on Henderson car insurance
Insurers that provide coverage for a learners permit may additionally offer policy discounts that could reduce prices by as much as 35% or more if you qualify for them. A few of the larger companies and a partial list of their discounts include:
- GEICO may offer discounts for multi-policy, anti-lock brakes, federal employee, defensive driver, seat belt use, and multi-vehicle.
- SAFECO may include discounts for homeowner, teen safety rewards, bundle discounts, teen safe driver, accident prevention training, and anti-lock brakes.
- State Farm offers discounts including accident-free, good driver, student away at school, safe vehicle, driver’s education, and Drive Safe & Save.
- MetLife offers premium reductions for multi-policy, defensive driver, good driver, claim-free, accident-free, good student
- 21st Century includes discounts for theft prevention, good student, air bags, 55 and older, teen driver, anti-lock brakes, and automatic seat belts.
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, homeowner, and online signing.
The information below shows the comparison of auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with good student, passive restraint, vehicle safety, paperless filing, anti-theft, and continuous coverage discounts applied. In this example, theaverage amount saved on car insurance for a learners permit is 28% or $625.
Low rates can quickly become overpriced
Henderson car insurance rates are impacted by many factors that may substantially change the price of your policy. Simply getting older, increasing deductibles, or getting a speeding ticket can cause premium changes that can now make some companies affordable when they were higher priced.
Not only may things change on your end, but car insurance companies modify rates without warning to reflect underwriting profits or losses. Significantly higher claims may result in rate increases, while a profitable period can cause lower-cost Henderson car insurance rates.
To illustrate this example, the data below shows rates for the cheapest car insurance in Henderson, NV for a 35-year-old female driver with no prior claims, no tickets, and good credit. Based on her current risk profile, Allied offers the best car insurance rates in Henderson at $1,475 a year. This is $99 less than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive are the remaining cheapest Henderson, NV auto insurance companies.
The example below compares rates after we give the driver in the first example a chargeable accident, slightly worse credit, and a stop sign violation. Since every car insurance company uses their own calculation for determining rates in each state, comparing insurance quotes will most likely result in a new list of the cheapest Henderson car insurance companies as shown below.
GEICO now has the cheapest rate in Henderson, NV with USAA, Nationwide, Safeco, and Capital now being in the top five. This illustrates why it is critical to compare rates to find the cheapest insurance quotes for a learners permit.
Auto insurance prices can be altered by many risk factors and change dramatically, so the most affordable company the last time you shopped around may now be one of the more expensive options.