One of the more important considerations that help determine the annual cost of car insurance is the neighborhood you call home in Henderson. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The illustration below lists the highest-priced areas in Nevada for police officers to purchase a policy in. Henderson shows up at #8 with the yearly price of $1,767 on average, which is around $147 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,116 |
| 2 | Spring Valley | $2,060 |
| 3 | Sunrise Manor | $2,029 |
| 4 | Paradise | $1,981 |
| 5 | Las Vegas | $1,949 |
| 6 | Enterprise | $1,851 |
| 7 | North Las Vegas | $1,826 |
| 8 | Henderson | $1,767 |
| 9 | Boulder City | $1,495 |
| 10 | Pahrump | $1,337 |
| 11 | Mesquite | $1,311 |
| 12 | Reno | $1,282 |
| 13 | Sparks | $1,278 |
| 14 | Sun Valley | $1,253 |
| 15 | Spanish Springs | $1,229 |
| 16 | Carson City | $1,158 |
| 17 | Gardnerville Ranchos | $1,150 |
| 18 | Elko | $1,125 |
| 19 | Spring Creek | $1,125 |
| 20 | Fernley | $1,115 |
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Premium amounts are comparative as the specific garaging location can impact premium rates considerably.
The car, truck, or SUV needing coverage is one of the main factors when consumers are trying to find low-priced auto insurance for police officers. Vehicles with lower performance, a plethora of safety features, or a track record of few liability claims will cost much less to insure than fast, unsafe models.
The information below features coverage costs for a selection of the most affordable automobiles to insure in Nevada.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $2,327 |
| Honda CR-V EX 2WD | $2,334 |
| Toyota Tacoma Double Cab 4WD | $2,440 |
| Hyundai Elantra SE Touring Station Wagon | $2,453 |
| Ford Explorer Limited AWD | $2,485 |
| Toyota Prius | $2,508 |
| Honda Odyssey EX-L W/Rear Entertainment | $2,573 |
| Nissan Rogue S AWD | $2,611 |
| Chevrolet Equinox LTZ AWD | $2,618 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $2,625 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,618 |
| Ford F-150 XL Regular Cab 4WD | $2,621 |
| Chevrolet Silverado LS Regular Cab 2WD | $2,660 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $2,666 |
| Volkswagen Jetta LE 4-Dr Sedan | $2,670 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates considerably.
Based on these rates, you can infer that models like the Ford Escape, Honda CR-V, Toyota Tacoma, Hyundai Elantra, and Ford Explorer are going to be the cheaper vehicles to insure for law enforcement personnel.
Impact of violations and accidents on rates in Henderson
In a perfect world, the ideal way to snag the best car insurance prices for law enforcement personnel is to drive carefully and avoid at-fault accidents and violations. The example below demonstrates how citations and fender-benders can impact premium costs for different categories of driver ages. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance in Henderson per year with a clean driving record and no accidents is $1,121. Add in one speeding ticket and the average cost surges to $1,306, an increase of $185 each year. Then add two accidents along with the one speeding ticket and the yearly cost of car insurance for police officers increases to an average of $2,969. That’s an increase of $1,848, or $154 per month, just for not being a responsible driver!
Buying coverage from the top insurer can be rather challenging considering how many companies provide coverage in Henderson. The rank data in the next section may help you decide which companies to look at shopping your coverage with. The rankings below are for large insurance companies, so companies without a large exposure 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 |
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
You may be paying too much for car insurance
Henderson, NV car insurance rates are calculated based on many things that can increase the price of your policy. Simply getting older, getting divorced, or getting a speeding ticket may cause policy rate changes that can now make some companies more affordable than competitors. Not only may your situation change, but insurance companies file new Nevada car insurance rates every year to adjust for unexpected claims or profits. Significantly higher losses may cause increased rates, while lower claim levels can cause cheaper Henderson car insurance rates.
As an example, the graph below shows which companies have the cheapest car insurance in Henderson, NV for a 40-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we look at prices based on her current risk profile, Travelers might quote the most affordable car insurance rates in Henderson at $1,520 a year. This is $54 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, American Family, and Oregon Mutual also make the list of the best Henderson, NV auto insurance companies.
Now we will give the driver in the first example a claim surcharge, a lower credit rating, and a blemish on her driving record. Since each company uses a different method for filing rates in each state, getting updated rate quotes will most likely result in a slightly different list of the cheapest companies as shown below.
Progressive now has the best insurance rate in Henderson with USAA, Nationwide, Safeco, and Allied now being in the top five. This shows why it is critical to compare lots of rates to get cheap car insurance quotes for police officers.
Insurance rates can be determined by many risk factors and change dramatically, so the cheapest rate three years ago may now cost much more than other companies.
If you have coverage questions and would like to get some help when buying car insurance for law enforcement personnel, the agents below can help you make a decision which coverages are best.
To locate a Henderson auto insurance agent closest to you, click the button at the bottom or click here to compare rates now.
Farmers Insurance – Julia Clarke Spataro
2298 W Horizon Ridge Pkwy #104 – Henderson, NV 89052 – (702) 897-0000
Avenue Insurance Agency
1258 Rising Cloud Cir – Henderson, NV 89052 – (702) 933-3289
Allstate Insurance: Mike Seifer
2990 Sunridge Heights Pkwy #130 – Henderson, NV 89052 – (702) 270-4500
More Henderson, NV insurance agents
How to find the cheapest car insurance for police officers
It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help drivers quote cheap car insurance.
- Get cheaper liability coverage by choosing a safer vehicle
- Do not insure for full coverage
- Do not get into accidents
- Do not get traffic violations
- Increase your credit score
- Increase physical damage deductibles
- Keep rates low by shopping around frequently
The last suggestion is incredibly significant, as was noted in this write-up. Coverage prices in Henderson can change significantly in a year, so don’t be afraid to change to a new company if a more affordable rate is found. Loyalty to a specific company is fine, but it’s not recommended if that loyalty results in overpaying big bucks every year. Now is a great time to compare prices to find cheaper car insurance for police officers.