The words “affordable” and “insurance” really don’t belong together, especially when you are searching for the best car insurance for high school students. Let’s go over a few of the things that determine insurance premiums, and see if you can reduce the price of the next policy you buy.
Buying low-cost insurance is hard enough, and determining which company offers the best car insurance rates for high school students will require additional perseverance.
Every car insurance company has their own process for filing rates in each state, so we need to take a look at the car insurance companies that tend to have lower prices in Nevada. It’s a good idea to be aware that Henderson, NV car insurance rates are impacted by many things which can significantly increase or decrease the price of your policy. Events like turning one year older, having a teenage driver, or having a fender bender can trigger rate changes that can cause some rates to be more affordable than the competition.
Cheapest Insurance Rates for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Allied | $911 |
| 2 | Travelers | $939 |
| 3 | Capital | $978 |
| 4 | American Family | $1,182 |
| 5 | Oregon Mutual | $1,182 |
| 6 | Progressive | $1,226 |
| 7 | GEICO | $1,269 |
| 8 | USAA | $1,297 |
| 9 | Safeco | $1,320 |
| 10 | Nationwide | $1,334 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,732 |
| 15 | Mercury | $1,807 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Bristol West | $2,313 |
| 19 | Allstate | $2,408 |
| 20 | Encompass | $2,710 |
| Find Your Rate Go | ||
Allied may have some of the lowest car insurance rates in Henderson at around $911 annually. Travelers, Capital, American Family, and Oregon Mutual are also some of the cheapest Henderson, NV auto insurance companies.
As depicted above, if you currently buy coverage from American Family and switched to Allied, you may realize an annual savings of approximately $271. Policyholders with Oregon Mutual may save as much as $271 a year, and Progressive customers might reduce rates by $315 a year.
To find the cheapest coverage for you, click here to start your free quote or click through to the companies below.
It’s important to note that these estimates are averages across all insureds and vehicles and and are not figured with an exact location for high school students. So the insurer that can offer you the best rate may not even be in the top 20 companies shown above. That point stresses why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
For teenagers, one of the largest factors that are used to help calculate car insurance rates is where you live. Areas with increased crime or more people likely pay more, whereas areas with lower crime rates and fewer weather claims receive better rates.
The information below sorts the most expensive places in Nevada for high school students in which to buy car insurance. Henderson is listed at #8 with the annual price of $1,767 for the average policy, which is about $147 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,094 |
| 2 | Sunrise Manor | $2,090 |
| 3 | Paradise | $2,001 |
| 4 | Spring Valley | $1,980 |
| 5 | Las Vegas | $1,930 |
| 6 | Enterprise | $1,908 |
| 7 | North Las Vegas | $1,826 |
| 8 | Henderson | $1,767 |
| 9 | Boulder City | $1,557 |
| 10 | Pahrump | $1,364 |
| 11 | Mesquite | $1,325 |
| 12 | Sparks | $1,304 |
| 13 | Reno | $1,294 |
| 14 | Spanish Springs | $1,266 |
| 15 | Sun Valley | $1,253 |
| 16 | Fernley | $1,149 |
| 17 | Dayton | $1,141 |
| 18 | Gardnerville Ranchos | $1,138 |
| 19 | Carson City | $1,136 |
| 20 | Spring Creek | $1,125 |
| Find the Best Rates Go | ||
Table data uses estimated as the specific geographic location can alter rates noticeably.
The vehicle on the policy is probably the most important factor that determines whether or not you find the most affordable coverage for high school students. Vehicles with economical engines, good crash test ratings, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models.
The data below shows insurance rates for a number of the cheapest vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $9,146 |
| Ford Escape Limited 2WD | $9,156 |
| Honda Accord EX-L 4-Dr Sedan | $9,700 |
| Toyota Prius | $9,787 |
| Ford Edge SE 2WD | $10,109 |
| Chevrolet Impala LS | $10,664 |
| Chevrolet Equinox LS 2WD | $10,748 |
| Jeep Grand Cherokee Laredo 4WD | $10,758 |
| Chevrolet Malibu LS | $10,748 |
| Toyota RAV4 Limited 4WD | $10,754 |
| Toyota Tacoma Double Cab 4WD | $10,748 |
| Volkswagen Jetta LE 4-Dr Sedan | $10,757 |
| Ford Explorer Limited 2WD | $10,835 |
| Dodge Grand Caravan SXT | $10,844 |
| Ford F-150 Lariat Super Cab 2WD | $10,835 |
| Start Your Quote Go | |
Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific location information which can increase or decrease premiums considerably.
Looking at the rates, we can expect cars like the Honda CR-V, Ford Escape, and Honda Accord are most likely to be a few of the most budget-friendly vehicles to insure for teenagers. Auto insurance rates will trend higher because of the fact that there is more risk for high school students, but overall those makes and models will have the best insurance prices that you’ll find.
Insuring your vehicle with a high-quality car insurance company can be a challenge considering how many different companies insure vehicles in Nevada. The ranking data listed below could help you choose which auto insurers to look at comparing prices from. These ratings include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Nevada are not included in this list.
| 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 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discounts on Henderson car insurance
Insurance companies that provide policies for high school students may have price discounts that can reduce rates by 40% or more if you qualify for them. A list of car insurance companies and a summarized list of policyholder discounts can be found below.
- GEICO has savings for seat belt use, military active duty, federal employee, driver training, defensive driver, and air bags.
- Mercury Insurance may have discounts that include low natural disaster claims, annual mileage, multi-policy, multi-car, anti-theft, and good student.
- Farmers Insurance offers discounts including multi-car, alternative fuel, youthful driver, homeowner, good student, and pay in full.
- Auto-Owners Insurance policyholders can earn discounts including mature driver, teen driver, safe vehicle, multiple vehicles, and anti-theft.
- Liberty Mutual may include discounts for newly married, new move discount, multi-car, multi-policy, teen driver discount, safety features, and good student.
- SAFECO discounts include bundle discounts, homeowner, accident prevention training, anti-lock brakes, drive less, and safe driver.
- Progressive offers premium reductions for good student, online signing, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
- USAA offers discounts for safe driver, driver training, vehicle storage, new vehicle, family discount, multi-policy, and good student.
The illustration below illustrates the comparison of insurance prices with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, passive restraint, good student, anti-theft, paid-in-full, and paperless filing discounts applied. With discounts applied, theaverage amount saved on car insurance for high school students is 28% or $796.
Safe drivers Henderson pay cheaper rates
The best way to earn cheap car insurance rates in Nevada for teenagers is to drive carefully and avoid getting tickets or having accidents. The diagram below highlights how speeding tickets and at-fault collisions can affect car insurance rates for different age categories. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of an auto insurance policy in Nevada per year with no violations or accidents is $1,366. Get one speeding ticket and the average cost swells to $1,588, an increase of $222 each year. Then include two accidents along with the one speeding ticket and the annual cost of car insurance for high school students increases to an average of $3,457. That’s an increase of $2,092, or $174 per month, just for being a little careless behind the wheel!