For off-road vehicles, one of the more important considerations that are used to help calculate car insurance rates is the neighborhood you call home. Areas with more people or more claims will most likely pay more, whereas more rural areas have the benefit of cheaper auto insurance prices.
The illustration below ranks the most expensive cities in Nevada for 4×4 vehicles to purchase auto insurance in. Henderson comes in at #8 with the annual price of $1,715 for car insurance, which is about $143 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,158 |
| 2 | Sunrise Manor | $2,090 |
| 3 | Paradise | $2,041 |
| 4 | Spring Valley | $1,980 |
| 5 | Enterprise | $1,927 |
| 6 | Las Vegas | $1,892 |
| 7 | North Las Vegas | $1,882 |
| 8 | Henderson | $1,715 |
| 9 | Boulder City | $1,495 |
| 10 | Pahrump | $1,323 |
| 11 | Mesquite | $1,311 |
| 12 | Sparks | $1,304 |
| 13 | Reno | $1,294 |
| 14 | Sun Valley | $1,292 |
| 15 | Spanish Springs | $1,229 |
| 16 | Carson City | $1,158 |
| 17 | Fernley | $1,149 |
| 18 | Dayton | $1,141 |
| 19 | Gardnerville Ranchos | $1,116 |
| 20 | Fallon | $1,108 |
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Table data uses approximated as zip code location can raise or lower auto insurance rates greatly.
Determining which company quotes the lowest-priced insurance rates for 4×4 vehicles requires a tad more effort than just picking a company at random. Each insurer has their own formula for setting rates, so let’s look at the rankings for the most affordable insurance companies in Henderson.
Cheap Insurance Rates for 4×4’s
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $930 |
| 2 | Allied | $939 |
| 3 | Capital | $1,018 |
| 4 | Oregon Mutual | $1,193 |
| 5 | American Family | $1,194 |
| 6 | Progressive | $1,202 |
| 7 | GEICO | $1,256 |
| 8 | Safeco | $1,320 |
| 9 | Nationwide | $1,321 |
| 10 | USAA | $1,323 |
| 11 | Farmers | $1,496 |
| 12 | Country | $1,602 |
| 13 | MetLife | $1,615 |
| 14 | State Farm | $1,698 |
| 15 | Mercury | $1,753 |
| 16 | Victoria | $2,093 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Bristol West | $2,384 |
| 19 | Allstate | $2,385 |
| 20 | Encompass | $2,604 |
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Travelers may have some of the cheapest car insurance rates in Henderson at around $930 per year. Allied, Capital, Oregon Mutual, and American Family would also make the list of some of the lowest-priced Henderson, NV insurance companies.
As shown in the rates above, if you currently have a policy with Allied and switched to Travelers, you could earn an annual premium reduction of around $9. Drivers with Capital may save as much as $88 a year, and Oregon Mutual policyholders might lower prices by up to $263 a year.
To see if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.
These premium estimates are averaged for all drivers and vehicles and are not factoring in a specific location for 4×4 vehicles. So the auto insurance company that is best for you may not even be in the list above. That’s why you need to get quotes using your own driver information and specific vehicle type.
The vehicle model you are trying to insure is a large consideration that determines the availability of affordable coverage for 4×4 vehicles. Vehicles with lower acceleration and performance, modern passenger safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The list below showcases coverage premiums for some of the cheapest automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,752 |
| Ford Explorer Eddie Bauer 2WD | $1,968 |
| Honda Accord LX-P 4-Dr Sedan | $1,991 |
| Honda CR-V LX 2WD | $2,001 |
| Ford F-150 XL Regular Cab 2WD | $2,056 |
| Chevrolet Equinox LT AWD | $2,076 |
| Chevrolet Malibu LS | $2,083 |
| Toyota RAV4 Sport 4WD | $2,076 |
| Toyota Tacoma Double Cab 4WD | $2,118 |
| Honda Odyssey EX-L W/Navigation | $2,184 |
| Volkswagen Jetta SE 4-Dr Sedan | $2,226 |
| Ford Fusion Sport 4-Dr Sedan | $2,235 |
| Toyota Prius | $2,236 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle location which can raise or lower prices substantially.
Based on these rates, you can presume that cars like the Ford Escape, Ford Explorer, and Honda Accord are most likely to be a few of the cheaper vehicles to insure for off-road vehicles.
Full coverage versus liability-only in Henderson
Finding cheaper insurance is probably important to the majority of drivers, and one of the quickest ways to find cheap insurance for 4×4 vehicles is to only buy liability insurance. The chart below illustrates the difference between auto insurance costs when comparing full coverage to liability only. The data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If the expense is averaged for all age categories, full coverage costs $1,728 per year more than insuring for liability only. That brings up the question if physical damage coverage is worth the money. There is no definitive guideline of when to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after you pay the deductible. If you are currently paying more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage in place.
Choosing the top insurance company can be rather challenging considering how many different companies insure vehicles in Nevada. The company information displayed below could help you pick which car insurance companies you want to consider comparing rates from. The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Nevada are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Here’s why you should shop around
Henderson insurance rates are influenced by many factors that control the price you pay. Simply having a birthday, moving to a new city, or getting a ticket for careless driving may cause policy rate changes that can now make some companies more affordable than others. Not only may your situation change, but car insurance companies file new rates without warning in order to be able to pay unexpected claims. Unexpectedly high claims can result in additional price hikes, while less frequent claims may produce cheaper Henderson car insurance rates.
To illustrate this point, the chart below analyzes the cheapest car insurance in Henderson, NV for a 35-year-old male driver with a clear driving record, no claims, and good credit. Based on his current risk profile, Travelers has the most affordable car insurance rates in Henderson at $1,521 per year. This is $53 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the remainder of the cheapest Henderson, NV auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates some claims, less-than-perfect credit, and a few blemishes on his driving record. Because each company has a proprietary formula for establishing rates, comparing insurance quotes may now result in a different ranking of the cheapest Henderson car insurance companies as shown below.
GEICO now has the best auto insurance rate in Henderson, NV with Allied, USAA, Nationwide, and Safeco now being in the top five. This shows why Henderson drivers need to compare many different companies when trying to find affordable insurance rates for 4×4 vehicles. Insurance rates consist of many risk factors and can increase or decrease at any time, so the lowest-price company two years ago may now be wasting a lot of money.