The make and model of vehicle requiring insurance is a large consideration that determines whether or not you can buy the lowest-priced insurance for active military. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models.
The next table illustrates car insurance rates for some of the cheaper automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $2,219 |
| Ford Escape XLT 2WD | $2,261 |
| Honda Accord EX 4-Dr Sedan | $2,268 |
| Honda CR-V EX-L 2WD | $2,321 |
| Toyota RAV4 2WD | $2,369 |
| Honda Odyssey LX | $2,401 |
| Ford Edge SE 2WD | $2,409 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,414 |
| Chevrolet Silverado LS Regular Cab 4WD | $2,484 |
| GMC Sierra SLE Regular Cab 4WD | $2,541 |
| Ford F-150 XLT Regular Cab 4WD | $2,545 |
| Chevrolet Impala LS | $2,608 |
| Ford Explorer Limited AWD | $2,647 |
| Volkswagen Jetta S 4-Dr Sedan | $2,669 |
| Chevrolet Malibu Hybrid | $2,678 |
| Hyundai Elantra Blue 4-Dr Sedan | $2,688 |
| Honda Civic VP 4-Dr Sedan | $2,698 |
| Toyota Camry Hybrid | $2,710 |
| Toyota Camry Hybrid | $2,719 |
| Dodge Grand Caravan SXT | $2,730 |
| Ford F-350 Super Cab Cabela Turbo Diesel 2WD | $2,761 |
| Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $2,768 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $2,790 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in Henderson, NV location which can raise or lower premium rates noticeably.
Looking at the numbers, we can expect makes and models like the Toyota Prius, Ford Escape, and Honda Accord are a few of the less-costly vehicles to insure for military personnel.
One of the many criteria that aid in calculating the cost of insurance is your zip code. More densely populated places are more likely to pay higher prices, whereas less populated areas have the enjoyment of a little cheaper coverage.
The illustration below lists the most expensive places in Nevada for active military in which to buy car insurance. Henderson ranks #8 with an annual cost of $1,749 for car insurance, which is approximately $146 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Winchester | $2,116 |
| 2 | Sunrise Manor | $2,090 |
| 3 | Paradise | $2,061 |
| 4 | Spring Valley | $2,040 |
| 5 | Las Vegas | $1,949 |
| 6 | Enterprise | $1,908 |
| 7 | North Las Vegas | $1,882 |
| 8 | Henderson | $1,749 |
| 9 | Boulder City | $1,541 |
| 10 | Pahrump | $1,323 |
| 11 | Mesquite | $1,311 |
| 12 | Sun Valley | $1,305 |
| 13 | Reno | $1,294 |
| 14 | Spanish Springs | $1,266 |
| 15 | Sparks | $1,265 |
| 16 | Carson City | $1,170 |
| 17 | Dayton | $1,141 |
| 18 | Gardnerville Ranchos | $1,138 |
| 19 | Fernley | $1,115 |
| 20 | Elko | $1,114 |
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Premium amounts are estimated as the specific area where the vehicle is garaged can raise or lower insurance rates substantially.
Figuring out which companies quote the most affordable insurance rates for active military requires a bit more work than just comparing rates from one or two companies. Each auto insurance company uses their own formula for setting rates, so we will examine the most budget-friendly insurance companies in Henderson, NV.
It’s important that readers know that Henderson, NV insurance rates are based on many factors that can increase the policy price. Simply getting older, becoming a homeowner, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be more affordable than before.
Find Cheaper Car Insurance for Military
Travelers quotes some of the most affordable car insurance rates in Henderson at around $912 per year. Allied, Capital, Progressive, and Oregon Mutual would also be considered some of the most economical Henderson, NV insurance companies.
In the rate table above, if you are currently insured with Progressive and switched to Allied, you may see a yearly savings of roughly $251. Drivers with Oregon Mutual may save as much as $254 a year, and American Family policyholders might lower prices by up to $279 a year.
To find out how much you can save, click here to start your free quote or visit any of the low-priced companies below.
Bear in mind that those estimates are averages for all insureds and vehicles and do not take into consideration a vehicle location for active military. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to get car insurance quotes using your own driver information and specific vehicle type.
Types of discounts on Henderson auto insurance rates
Insurance providers that offer coverage for active military could also offer premium discounts that could lower prices by 30% or more if you qualify. A list of companies and a selection of discounts are included below.
- Progressive has discounts for multi-vehicle, homeowner, online signing, good student, and multi-policy.
- Farmers Insurance includes discounts for multi-car, good student, teen driver, youthful driver, business and professional, bundle discounts, and mature driver.
- Farm Bureau offers discounts including multi-vehicle, safe driver, renewal discount, multi-policy, and 55 and retired.
- State Farm discounts include multiple policy, Steer Clear safe driver discount, anti-theft, good student, defensive driving training, accident-free, and student away at school.
- GEICO may include discounts for air bags, good student, anti-theft, multi-vehicle, and defensive driver.
- SAFECO may have discounts that include bundle discounts, homeowner, teen safety rewards, anti-lock brakes, and safe driver.
- Liberty Mutual may offer discounts for safety features, multi-car, exclusive group savings, hybrid vehicle, good student, teen driver discount, and newly married.
The diagram below compares insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, passive restraint, marriage, claim-free, and anti-theft discounts applied. In this example, the average savings per year on insurance for active military is 28% or $383.
How careless driving impacts Henderson insurance rates
The recommended way to find the best insurance rates for military personnel is to drive attentively and have a clean driving record. The information below demonstrates how citations and at-fault fender-benders drive up annual premium costs for different age groups of insureds. The data assumes a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of a car insurance policy per year with no violations or accidents is $1,366. Receive one speeding ticket and the average cost increases to $1,588, an increase of $222 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for active military increases to an average of $3,457. That’s an increase of $2,092, or $174 per month, just for not driving responsibly!
The example below illustrates how choosing a deductible can increase or decrease insurance rates when searching for cheap insurance for active military. The premiums are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could save $252 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $380 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, could save as much as $624 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.