The words “low-priced” and “insurance” really don’t belong together, in particular when looking for the lowest insurance prices for drivers with accidents. In an attempt to save some money, let’s teach you some of the things that have a considerable impact on car insurance prices, and find a way to lower the price of your next policy.
The vehicle requiring coverage is one of the largest considerations when consumers are trying to find economical insurance for drivers with accidents. Vehicles with lower performance, modern passenger safety features, or a positive history of liability claims will cost less to insure than adrenaline junky models. The next table shows auto insurance rates for a number of the cheapest vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,986 |
| Honda Accord LX 4-Dr Sedan | $5,329 |
| Hyundai Elantra GLS Touring Station Wagon | $5,338 |
| Honda CR-V EX-L 4WD | $5,397 |
| Jeep Grand Cherokee Laredo 2WD | $5,904 |
| Ford Fusion S 4-Dr Sedan | $5,913 |
| Toyota Camry LE | $5,904 |
| Chevrolet Malibu Hybrid | $5,910 |
| Toyota Tacoma Double Cab 4WD | $5,966 |
| Toyota Prius | $6,022 |
| Dodge Grand Caravan SE | $6,202 |
| Ford Explorer XLT 4WD | $6,207 |
| GMC Sierra SL Extended Cab 2WD | $6,319 |
| Toyota RAV4 Limited 2WD | $6,328 |
| Ford F-150 FX4 Super Cab 4WD | $6,391 |
| Ford Edge SEL AWD | $6,466 |
| Chevrolet Equinox LT AWD | $6,545 |
| Volkswagen Jetta LE 4-Dr Sedan | $6,555 |
| Honda Odyssey EX-L | $6,646 |
| Toyota Corolla LE | $6,656 |
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Prices based on single female driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific zip code location which can modify prices considerably.
Looking at the rates, makes and models like the Ford Escape, Honda Accord, and Hyundai Elantra are most likely to be a few of the cheaper vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will be more expensive just because there is more exposure for drivers with accidents, but generally speaking those specific models will tend to have the best insurance prices available.
Locating budget car insurance is not the easiest thing to do, and determining which company quotes the cheapest car insurance rates for drivers with accidents will take even more perseverance. Each auto insurance company uses a different method to determine premium rates, so we need to take a look at the car insurance companies that tend to be cheaper in Nevada.
We do need to point out that Henderson car insurance rates are impacted by many things that control your annual premium. This price variability is why Nevada drivers need to spend some time comparing rates to get the most affordable car insurance rates for drivers with accidents. Car insurance prices are influenced by many things and can change without notice, so the cheapest company six months ago may now be wasting a lot of money.
Best Cheap Insurance Rates for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Allied | $939 |
| 2 | Travelers | $939 |
| 3 | Capital | $1,018 |
| 4 | Oregon Mutual | $1,147 |
| 5 | American Family | $1,218 |
| 6 | GEICO | $1,219 |
| 7 | Progressive | $1,238 |
| 8 | USAA | $1,284 |
| 9 | Nationwide | $1,334 |
| 10 | Safeco | $1,360 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,651 |
| 14 | State Farm | $1,749 |
| 15 | Mercury | $1,753 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,249 |
| 18 | Bristol West | $2,384 |
| 19 | Allstate | $2,408 |
| 20 | Encompass | $2,710 |
| Quote Your Rates Go | ||
Allied generally has some of the best car insurance rates in Henderson at around $939 per year. This is $635 less than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family would also be considered some of the cheaper Henderson, NV car insurance companies.
As shown above, if you currently have a policy with Capital and switched to Allied, you could earn an annual savings of in the neighborhood of $79. Customers with Oregon Mutual may save as much as $208 a year, and American Family customers might lower prices by $279 a year.
To get a quick, customized rate comparison, click here to start a quote or visit several of the following companies.
Remember that these prices are averaged across all drivers and vehicles in Nevada and are not factoring in an exact vehicle garaging location for drivers with accidents. So the car insurance company that has the cheapest rates for you may not even be in the top 20 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
For drivers with at-fault accidents, one of the big factors that are looked at to determine car insurance rates is where you call home in Henderson. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The next table rates the priciest cities in Nevada for drivers with accidents to buy auto insurance in. Henderson makes the list at #8 costing $1,697 for the average policy, which is about $141 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Winchester | $2,094 |
| 2 | Paradise | $2,041 |
| 3 | Sunrise Manor | $2,029 |
| 4 | Spring Valley | $1,980 |
| 5 | North Las Vegas | $1,900 |
| 6 | Las Vegas | $1,892 |
| 7 | Enterprise | $1,851 |
| 8 | Henderson | $1,697 |
| 9 | Boulder City | $1,511 |
| 10 | Pahrump | $1,377 |
| 11 | Mesquite | $1,311 |
| 12 | Sun Valley | $1,305 |
| 13 | Sparks | $1,304 |
| 14 | Reno | $1,282 |
| 15 | Spanish Springs | $1,216 |
| 16 | Gardnerville Ranchos | $1,150 |
| 17 | Fernley | $1,149 |
| 18 | Carson City | $1,136 |
| 19 | Dayton | $1,130 |
| 20 | Spring Creek | $1,081 |
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Price information shown is estimated as the specific geographic location can impact auto insurance rates substantially.
Cautious Henderson drivers save money
A great way to score the cheapest car insurance rates for drivers with at-fault accidents is to drive carefully and avoid accidents and violations. The illustration below illustrates how violations and at-fault claims can drive up car insurance rates for different ages of insureds. The price estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy in Nevada per year with no accidents and a clean driving record is $1,239. Get written up for one speeding ticket and the average cost increases to $1,405, an increase of $166 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for drivers with accidents increases to an average of $2,969. That’s an increase of $1,730, or $144 per month, just for being a less-than-perfect driver!
The information below shows how choosing a deductible can impact premium costs when searching for cheap insurance for drivers with accidents. The prices are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could cut expenses by $398 a year by switching from a $100 deductible up to a $500 deductible, or save $598 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old example, could reduce their rates $1,168 each year by choosing larger deductibles on their policy. When raising deductibles, it will now be necessary to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Choosing a high-quality car insurance company can be a challenge considering how many companies there are in Nevada. The ranking data shown below could help you decide which auto insurers to look at buying from. These ratings include large, nationwide insurance companies, so companies without a large exposure will not be included in the list.
Top 10 Large Auto Insurance Providers in Henderson Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Large Auto Insurance Providers Overall in Henderson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
How to find the cheapest auto insurance for drivers with accidents
Here are some of the better penny-pinching ideas that can help Nevada drivers locate more affordable auto insurance.
- Raise comprehensive and collision coverage deductibles
- Safer vehicles generally have cheaper insurance rates
- Keep your driving record clean
- Do not pay for full coverage on older vehicles
- Avoid having at-fault accidents
- Better credit rating means better rates
- Compare rate quotes frequently
The last item on the list is very significant, as we pointed out in this piece. Coverage prices can be modified anytime, so don’t hesitate to switch carriers if a lower price can be found.
Staying with the same company for years is fine, but is isn’t recommended if that inflexibility results in costing you a fortune every year. If you have a few minutes, compare rates to find cheaper car insurance for drivers with accidents in Henderson.