The car, truck, or SUV requiring coverage is a large factor when shopping around for low-priced car insurance for drivers with a bad driving record. Vehicles with higher performance, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The list below estimates auto insurance prices for some of the more affordable automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $7,427 |
| Hyundai Elantra SE Touring Station Wagon | $7,822 |
| Ford F-150 XL Regular Cab 2WD | $7,827 |
| Ford Escape Limited 4WD | $8,139 |
| Volkswagen Jetta S 2.5 Station Wagon | $8,147 |
| Toyota Prius | $8,162 |
| Chevrolet Impala LS | $8,615 |
| Ford Explorer XLT 4WD | $8,657 |
| Toyota RAV4 Limited 2WD | $8,696 |
| Toyota Camry LE | $8,704 |
| Toyota Tacoma 2WD | $8,874 |
| Chevrolet Equinox LS AWD | $8,964 |
| Ford Focus SEL 4-Dr Sedan | $9,013 |
| Jeep Grand Cherokee Laredo 4WD | $9,052 |
| Nissan Altima 2.5 4-Dr Sedan | $9,057 |
| Ford Fusion S 4-Dr Sedan | $9,052 |
| Chevrolet Malibu LT | $9,055 |
| Dodge Grand Caravan Crew | $9,152 |
| Honda Odyssey Touring | $9,178 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $9,356 |
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Price data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in Henderson, NV location which can impact price quotes significantly.
Looking at the rates, we can assume that vehicles like the Honda CR-V, Hyundai Elantra, Ford F-150, Ford Escape, and Volkswagen Jetta are likely to be some of the more affordable vehicles to insure for bad drivers. Rates will be more costly because of the fact that there is more liability exposure for drivers with a bad driving record, but overall those models will probably have the least expensive rates available.
One of the more important components that help determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas more rural areas have the gratification of cheaper auto insurance rates.
The information below lists the most expensive places in Nevada for drivers with a bad driving record to buy car insurance in. Henderson is ranked at #8 costing $1,767 for the average insured, which is approximately $147 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Winchester | $2,094 |
| 2 | Sunrise Manor | $2,029 |
| 3 | Spring Valley | $2,000 |
| 4 | Paradise | $1,981 |
| 5 | Enterprise | $1,908 |
| 6 | North Las Vegas | $1,882 |
| 7 | Las Vegas | $1,873 |
| 8 | Henderson | $1,767 |
| 9 | Boulder City | $1,557 |
| 10 | Mesquite | $1,365 |
| 11 | Pahrump | $1,337 |
| 12 | Sparks | $1,304 |
| 13 | Sun Valley | $1,253 |
| 14 | Spanish Springs | $1,253 |
| 15 | Reno | $1,244 |
| 16 | Carson City | $1,158 |
| 17 | Gardnerville Ranchos | $1,150 |
| 18 | Dayton | $1,141 |
| 19 | Fernley | $1,115 |
| 20 | Elko | $1,114 |
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Information shown are comparative as specific location information can lower or raise insurance rates noticeably.
Establishing which companies have the cheapest auto insurance rates for drivers with a bad driving record may require a little more work in order to find a policy that fits your budget. Each company has a unique approach to determine rates, so let’s rank the auto insurance companies with the overall best prices in Henderson, NV.
Best Car Insurance Prices for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Allied | $911 |
| 2 | Travelers | $939 |
| 3 | Capital | $978 |
| 4 | Oregon Mutual | $1,147 |
| 5 | Progressive | $1,226 |
| 6 | American Family | $1,230 |
| 7 | GEICO | $1,232 |
| 8 | USAA | $1,284 |
| 9 | Nationwide | $1,295 |
| 10 | Safeco | $1,320 |
| 11 | Farmers | $1,496 |
| 12 | MetLife | $1,567 |
| 13 | Country | $1,602 |
| 14 | State Farm | $1,749 |
| 15 | Mercury | $1,771 |
| 16 | Victoria | $2,011 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Bristol West | $2,313 |
| 19 | Allstate | $2,408 |
| 20 | Encompass | $2,684 |
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Allied has some of the lowest car insurance rates in Henderson at around $911 per year. Travelers, Capital, Oregon Mutual, and Progressive also make the cut as some of the more affordable Henderson, NV insurance companies.
As the example above demonstrates, if you buy coverage from Oregon Mutual and switched to Allied, you may realize an annual premium reduction of in the vicinity of $236. Insureds with Progressive could save as much as $315 a year, and American Family policyholders might see rate reductions of $319 a year.
To see how much you can save, click here to start your custom quote or quote rates from the companies below.
Be aware that those policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact location for drivers with a bad driving record. So the insurer that is best suited for you may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own individual information.
Discount Henderson auto insurance
Insurance companies that offer quotes for drivers with a bad driving record may have special discounts that may potentially lower prices by 35% or more if you meet the requirements. A list of auto insurance companies and their possible discounts can be read below.
- Progressive discounts include online signing, online quote discount, multi-policy, good student, homeowner, and multi-vehicle.
- AAA includes discounts for good student, multi-car, good driver, anti-theft, and education and occupation.
- Farmers Insurance policyholders can earn discounts including switch companies, early shopping, electronic funds transfer, teen driver, and pay in full.
- GEICO may have discounts that include defensive driver, good student, membership and employees, anti-theft, federal employee, and multi-policy.
- Esurance has discounts for emergency road assistance, anti-theft, paid-in-full, Pac-12 alumni, and anti-lock brakes.
- SAFECO may include discounts for drive less, homeowner, teen safety rewards, accident prevention training, anti-lock brakes, safe driver, and teen safe driver.
- State Farm offers discounts for good driver, passive restraint, defensive driving training, Steer Clear safe driver discount, and student away at school.
The illustration below shows the difference between insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, one at-fault accident and two violations, Nevada state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with continuous coverage, marriage, passive restraint, paperless filing, vehicle safety, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for drivers with a bad driving record is 28% or $812.
Difference between liability only and full coverage rates
Saving money when shopping for auto insurance is probably important to most vehicle owners, and an effective way to save on the cost of insurance for drivers with a bad driving record is to not pay for full coverage. The chart below shows the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs an extra $1,297 per year more than just buying liability insurance. That amount may make you wonder if buying full coverage is worth the money. There is no written rule for phasing out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after you pay the deductible. If it’s costing in excess of $300 a year to have full coverage, then it might be time to consider dropping full coverage.
There are a few cases where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Here’s why you should compare rates often
Nevada auto insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Improving your credit score, having a claim, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being cheaper in comparison to the competition.
And not only may your rating factors change, but car insurance companies file new Nevada auto insurance rates multiple times each year in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can cause higher rates, while lower claim expenses may produce cheaper Henderson car insurance rates.
For example, the chart below shows a variety of companies that have the cheapest car insurance in Henderson, NV for a 40-year-old male driver with a good driving record, no prior claims, and solid credit. When comparing rates based on his current risk factors, Travelers might offer the lowest car insurance rates in Henderson at $1,520 per year. This is $54 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the remaining top five cheapest Henderson, NV auto insurance companies.
Now we will give the driver from the first example an at-fault accident, a lower credit rating, and a stop sign violation. Due to the fact that every auto insurer has their own process to set their prices, comparing quotes could result in a substantially altered list of companies as shown below.
Progressive now has the lowest car insurance rate in Henderson with Nationwide, Safeco, USAA, and Allied completing the list. This example proves why Henderson drivers need to compare as many rates as possible to get the lowest car insurance quotes for drivers with a bad driving record.
Insurance rates are influenced by many different factors and can change without notice, so the best price the last time you compared rates may now be an over-priced policy.
Tips for buying more affordable car insurance for drivers with a bad driving record
Below you’ll find some of the better money-saving ideas that can help you quote cheaper coverage.
- Staying accident-free helps keep rates low
- Buying car and homeowners insurance together can save money
- Pay less by remaining claim-free
- Violations and traffic tickets increase rates
- Choose a safer vehicle and pay lower rates
- Compare rates regularly and switch companies to save money
The last tip is extraordinarily critical, as we stressed in the prior article. Rates go up and down frequently, so drivers shouldn’t be resistant to buy a different policy if a lower-cost policy is available.
Sticking with a specific company is fine, but is isn’t recommended if that loyalty results in overpaying a lot of money every month. If you have a few minutes, compare rates to find cheaper insurance for drivers with a bad driving record in Henderson.
If you aren’t sure which coverage you need and prefer to get some help when trying to find the best insurance rates for drivers with a bad driving record, the agencies below can most likely help you decide which auto insurance coverages would be the best in your situation.
To locate a Henderson auto insurance agent by location nearest to you, click the button following the list or click here to compare rates now.
- State Farm: Steve Arrington
325 W Lake Mead Pkwy – Henderson, NV 89015 – (702) 565-9743 - Allstate Insurance: Jeremy Peltz
3215 St Rose Pkwy Ste 120 – Henderson, NV 89052 – (702) 233-8372 - Safeco Insurance
2736 Marie Antoinette St – Henderson, NV 89044 – (866) 694-9046 - American Family Insurance – Barbara Nielson
1776 W Horizon Ridge Pkwy Ste 110 – Henderson, NV 89012 – (702) 906-1860