Mendakota vs. Nevada General: Which Company is the Best Fit for You?

Quick Facts

• In general, Mendakota offers slightly more affordable prices than Nevada General
• Mendakota offers cheaper average rates for policyholders who live in suburban areas
• Nevada General offers more discounts than Mendakota Insurance Company

---

---

Mendakota vs. Nevada General: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering considerable discounts. But exactly how much can you save by switching?

You might have narrowed it down to Mendakota or Nevada General, but between the two, which carrier has less expensive prices for car insurance?

Looking at the national average rates for both companies, Mendakota is about $5 per month cheaper than Nevada General.

That being said, that doesn't necessarily mean Mendakota will be the less expensive option for every single driver. Auto insurance carriers vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a variety of other factors, so rates will vary quite a bit from person to person.

Wanting to know if Mendakota or Nevada General is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Mendakota or Nevada General: Average Car Insurance Rates by State

Both Mendakota and Nevada General only offer insurance in Nevada, so you'll see that the average figures here will mirror the ones we mentioned above. For Nevada residents, Mendakota offers car insurance for $244 a month on average. Nevada General's average prices come out to be more expensive, at $249 monthly.

Typically, the state you live in will play a big role in how much you pay for insurance, but since both companies only do business in Nevada, a whole bunch of other factors will come into play when you compare Mendakota and Nevada General. Keep reading to learn more.

---

---

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Mendakota for their auto insurance pay nearly $150 less than those who use Nevada General.

However, both companies will lower rates by the time you turn 25. Nevada General offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Mendakota's average premiums drop more than 45% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

But who has the best premiums for retired drivers between Mendakota and Nevada General? Mendakota gets the slight edge here, with average rates coming in at around $187 per month compared to Nevada General's $188. Even so, the difference is only about 5%, so other variables (such as your credit score or your driving record) will likely come into play when determining which company has the cheapest prices for you.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single drivers than they are for married policyholders. That's normally because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, the two carriers are comparable for single policyholders, with rates only differing around $25 a month, on average. The advantage for married drivers is more obvious, where drivers who use Nevada General save over $20 per month.

Mendakota vs. Nevada General: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get speeding tickets. That means when it comes to insurance men will generally end up paying a little more.

Men normally pay almost $20 a month more than women with Mendakota, while with Nevada General, the difference is closer to $5 per month.

When it comes to the most affordable prices for each gender, Nevada General is the lowest carrier for men. Rates with Nevada General are $2 less for men, while women can save about $11 with Mendakota.

---

---

Mendakota or Nevada General: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability coverage).

In this case, Nevada General offers the cheapest average rates for state minimum liability limits, while Mendakota has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $20 with Nevada General Insurance Company, while full coverage comes out to be around $30 more affordable with Mendakota Insurance Company.

Is Mendakota or Nevada General Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that accidents and tickets lead to higher premiums, but which company -- Mendakota or Nevada General -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Mendakota policyholders can expect their prices to go up an average of $19 a month if they get a ticket, while Nevada General typically raises premiums about $22 per month, on average.

But Nevada General tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $12 a month and drivers with a ticket can save about $9 per month with Nevada General Insurance Company.

Which Company is Best for Drivers After an Accident?

Mendakota policyholders who get in a collision can expect to see their rates increase by just under 20%, while those who have insurance through Nevada General will see around a 20% increase.

Overall, drivers who use Nevada General end up with the cheaper prices after an accident, with monthly premiums averaging $257 compared to Mendakota Insurance Company's $273.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, Nevada General increases average prices by just under $90 a month -- that's just under a 30% increase.

If you have a DUI on your record and are looking for more affordable premiums, Mendakota tends to be the much cheaper option with average prices of $241 a month compared to $298 from Nevada General.

---

---

How does Credit Score Impact Mendakota and Nevada General Rates?

Did you know that many insurance carriers take into account your credit score when calculating rates? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

So, which carrier offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Mendakota. Policyholders with "excellent" credit can save 2% compared to Nevada General, and those with "good" scores can also expect to see savings -- about $5 or 2% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Mendakota typically offers lower rates than Nevada General when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $5 per month less with Mendakota compared to Nevada General, and those with "poor" scores normally save an average of about $5 per month.

---

---

Is Mendakota or Nevada General Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. Generally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Mendakota or Nevada General report increasing prices for drivers with higher annual mileage figures. Mendakota comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average rates of $244 a month for both.

Mendakota vs. Nevada General: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a large impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Mendakota boasts the cheapest average prices in rural and suburban areas, while Nevada General wins in urban areas.

In urban areas, Nevada General Insurance Company's average rates are around 17% less than Mendakota Insurance Company. Drivers in suburban ZIP codes pay about 8% less with Mendakota compared to Nevada General. If you live in a rural area, you can expect to save around 34% with Mendakota compared to Nevada General.

Mendakota vs. Nevada General Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Below, we've broken down all of the different discounts offered by both Mendakota and Nevada General so that you can find the one that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Nevada General has the advantage when it comes to total number of discounts. Mendakota offers a grand total of five discounts, while Nevada General has nine.

There are a couple discounts both carriers offer, but Nevada General also offers agency transfer discounts, driver training discounts, EFT discounts, and more that Mendakota does not.

On the flip side, Mendakota has a couple unique discounts of its own -- discounts for insuring multiple cars with the same company and paid in full discounts.

---

---

Final Thoughts: Is Mendakota or Nevada General Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right company for you and your specific driver profile?

Mendakota might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You don't spend much time in your car.

Nevada General might be best for you if...

• You haven't received any speeding tickets or been in a collision in the last few years.
• You want to save extra money with discounts.
• Your home is in a busy urban area.

We hope this guide helps you get a better idea of the difference between Mendakota and Nevada General. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Mendakota and Nevada General. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

---

---

Mendakota vs. Nevada General FAQs

Is Mendakota or Nevada General cheaper?

Looking just at the national average premiums, Mendakota is the more affordable of the two carriers, offering average rates of $244 per month compared to $249 for Nevada General. That being said, Mendakota won't necessarily be the most affordable carrier for every driver, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Mendakota or Nevada General?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Nevada General offers less expensive rates for drivers with an at-fault collision on their record, while Mendakota is more affordable for drivers who have less-than-stellar credit scores.

Why do Mendakota and Nevada General offer me different rates?

Auto insurance companies take a look at many different factors when determining the premiums they charge policyholders. Things such as age, gender, your driving record, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Mendakota and Nevada General calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Mendakota or Nevada General is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Mendakota or Nevada General at all!

---

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.