It’s hard to avoid all the captivating commercials from insurers like State Farm and Liberty Mutual that make claims of the cheapest price. So you just need to choose any of them, right?
It’s just not that easy, however, as there are a lot of unknown aspects like if you currently have coverage, the area you live in, and if you are married. This article will discuss some of these criteria and also should give you some help in finding cheaper rates.
One of the many components that are used to help calculate the amount you pay for auto insurance is where your residence is. Regions with larger populations or more claims tend to pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The illustration below shows the highest-priced places in Nevada for government employees to purchase a policy in. Henderson makes the list at #8 costing $1,715 for car insurance, which is approximately $143 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Winchester | $2,094 |
| 2 | Sunrise Manor | $2,029 |
| 3 | Paradise | $2,001 |
| 4 | Spring Valley | $2,000 |
| 5 | Las Vegas | $1,949 |
| 6 | Enterprise | $1,908 |
| 7 | North Las Vegas | $1,900 |
| 8 | Henderson | $1,715 |
| 9 | Boulder City | $1,541 |
| 10 | Mesquite | $1,351 |
| 11 | Pahrump | $1,337 |
| 12 | Reno | $1,282 |
| 13 | Sparks | $1,278 |
| 14 | Sun Valley | $1,266 |
| 15 | Spanish Springs | $1,253 |
| 16 | Carson City | $1,170 |
| 17 | Gardnerville Ranchos | $1,150 |
| 18 | Fernley | $1,149 |
| 19 | Dayton | $1,130 |
| 20 | Spring Creek | $1,114 |
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Rates are estimated as the specific zip code location can decrease or increase auto insurance rates noticeably.
Trying to find low-priced insurance is not the easiest thing to accomplish, and figuring out which companies offer the cheapest insurance rates for government employees calls for even more diligence. Every insurance provider uses their own method to set policy rates, so let’s rank the most affordable insurance companies in Nevada.
It’s important to know that Nevada insurance rates are influenced by many factors that control your annual premium. Improving your credit rating, buying a higher-value vehicle, or getting a couple of tickets can trigger changes in premium that can now make some companies more expensive than competitors.
Find the Cheapest Car Insurance in Nevada
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $903 |
| 2 | Allied | $921 |
| 3 | Capital | $988 |
| 4 | Oregon Mutual | $1,193 |
| 5 | American Family | $1,230 |
| 6 | Progressive | $1,238 |
| 7 | GEICO | $1,269 |
| 8 | Safeco | $1,320 |
| 9 | Nationwide | $1,321 |
| 10 | USAA | $1,336 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,615 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,749 |
| 15 | Mercury | $1,771 |
| 16 | Victoria | $2,011 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Allstate | $2,314 |
| 19 | Bristol West | $2,407 |
| 20 | Encompass | $2,630 |
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Travelers offers some of the most affordable car insurance rates in Henderson at around $903 annually. This is $671 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also make the cut as some of the cheaper Henderson, NV insurance companies.
In the above rates, if you currently buy coverage from Oregon Mutual and switched to Allied, you might see an annual premium reduction of about $272. Drivers with American Family may save as much as $309 a year, and Progressive customers might lower prices by $317 a year.
To discover how much you can save, click here to start a quote or visit several of the following companies.
Understand that those rates are averages for all ages of drivers and types of vehicles and are not factoring in a specific vehicle garaging location for government employees. So the insurer that fits you best may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Safe drivers pay less for insurance
The obvious way to earn low insurance prices for state and federal workers is to pay attention while driving and avoid getting tickets or having accidents. The information below shows how violations and at-fault accidents can impact insurance costs for different categories of driver ages. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of an auto insurance policy in Nevada per year with no accidents or violations is $1,103. Add in two speeding tickets and the average cost hikes up to $1,513, an increase of $410 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for government employees increases to an average of $3,221. That’s an increase of $2,118, or $177 per month, just for not being a responsible driver!
Types of discounts on Henderson insurance
Insurance providers that provide coverage for government employees may also provide special discounts that can lower rates by as much as 30% if you qualify for them. Companies and their offered discounts are shown below.
- GEICO may offer discounts for membership and employees, multi-vehicle, defensive driver, emergency military deployment, five-year accident-free, and seat belt use.
- Auto-Owners Insurance may include discounts for good student, safe vehicle, anti-theft, multiple vehicles, paperless, and student away at school.
- American Family discounts include good driver, air bags, multi-vehicle, bundled insurance, mySafetyValet, defensive driver, and good student.
- Esurance policyholders can earn discounts including anti-lock brakes, online shopper, renters, multi-policy, anti-theft, and DriveSense.
- Progressive has discounts for online signing, continuous coverage, online quote discount, good student, multi-vehicle, homeowner, and multi-policy.
- State Farm offers discounts including driver’s education, good student, Drive Safe & Save, safe vehicle, anti-theft, accident-free, and multiple autos.
- AAA has savings for multi-policy, education and occupation, anti-theft, good driver, and multi-car.
The example below visualizes the comparison of yearly insurance costs with and without discounts applied. The premium estimates are based on a male driver, no claims or driving violations, Nevada state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, passive restraint, defensive driving course, safe-driver, anti-theft, and accident-free discounts applied. With discounts applied, theamount saved on insurance for government employees is 28% or $401.
How to find low-cost insurance for government employees
The list below summarizes some of the recommended money-saving suggestions that can help you get low-cost coverage.
- Save money by insuring older vehicles for liability only
- Ensure your driving record is clean
- Higher deductibles save money
- Drive attentively and avoid accidents
- Try to pay small claims out-of-pocket
- Shop around once a year for cheaper rates
The last item on the list is especially crucial, as we pointed out in the article above. Insurance prices adjust frequently, so don’t be unwilling to switch companies if a more affordable rate is found. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty ends up costing a considerable chunk of change every month. Take a few minutes and shop around to find cheaper insurance for government employees in Henderson.
If you would rather have a professional recommendation when shopping around for cheaper insurance for state and federal workers, the professional agents shown below can aid you in deciding which coverage fits your budget. To locate a Henderson car insurance agency using an interactive map, click the button link following the list or click here to compare rates now.
- Allstate Insurance: Gary Cox
2540 Anthem Village Dr Ste 180 – Henderson, NV 89052 – (702) 778-2222 - All Nevada Insurance
10624 S Eastern Ave # L – Henderson, NV 89052 – (800) 701-5909 - Sam King – State Farm Insurance Agent
2253 N Green Valley Pkwy – Henderson, NV 89014 – (702) 435-0222 - Farmers Insurance – Christopher Sutter
11201 S Eastern Ave #110 – Henderson, NV 89052 – (702) 260-8589 - Farmers Insurance: Dean Dorn
1021 Whitney Ranch Dr – Henderson, NV 89014 – (702) 458-4944