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

Quick Facts

• Looking at the national averages for car insurance, Nevada Capital offers significantly cheaper premiums than Mendakota
• Nevada Capital offers more affordable average prices for policyholders who live in the suburbs
• Nevada Capital tends to be a much less expensive option for policyholders who are looking to purchase insurance with a spouse

Mendakota or Nevada Capital: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Mendakota or Nevada Capital, but between the two, which carrier will offer you more affordable premiums?

As you can see, Mendakota has average rates that are around 50% a month more expensive than those from Nevada Capital when looking at the national average rates for insurance.

But that doesn't mean Nevada Capital will necessarily be cheaper than Mendakota for each driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

So, if you want to find out which of Mendakota or Nevada Capital is really the best for you, keep reading to see average prices for each carrier broken down by a range of different rate factors.

Mendakota vs. Nevada Capital: Average Car Insurance Rates by State

Both Mendakota and Nevada Capital only offer auto insurance in Nevada, so you'll see that the average figures here will mirror the ones we mentioned above. Nevada Capital drivers tend to pay about $119 per month less on average compared to drivers who use Mendakota for their insurance.

Typically, your home state will play a hefty role in how much you pay for car insurance, but since both companies only do business in Nevada, a lot of other variables will come into play when you compare Mendakota and Nevada Capital. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Nevada Capital for their auto insurance pay almost 40% less than those who use Mendakota.

That being said, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Mendakota policyholders decrease about $200 and Nevada Capital's prices reduce around $150 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

So, which company offers the best rates to retired drivers? Nevada Capital gets the edge here, with average premiums coming in at about $85 per month compared to Mendakota's $187.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally more expensive for single drivers than they are for married drivers? This usually boils down to married couples having more than one vehicle on their policy -- something many insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Nevada Capital rates coming in at around half of Mendakota's. The advantage is also clear for married policyholders - Nevada Capital offers the lowest average prices.

Mendakota or Nevada Capital: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men.

Usually, men see premiums nearly $20 a month higher with Mendakota, but with Nevada Capital, the difference is closer to $2 per month.

Looking at overall affordability, Nevada Capital comes out on top for both men and women. On average, women save about $111 a month and men save about $127 with Nevada Capital compared to the average Mendakota policyholder.

Mendakota vs. Nevada Capital: 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, auto insurance isn't the easiest topic to understand. There are a variety of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability insurance, Nevada Capital has the significant edge, with average monthly prices coming in at $75. If you want a full coverage policy with the same state minimum limits, Nevada Capital again has the edge, with policies averaging around $174 per month to Mendakota's $316.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two companies offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Mendakota for their insurance can generally expect their monthly bill to go up about 8% after getting a speeding ticket. Nevada Capital policyholders can expect a bit more drastic of an increase of around 23%.

However, Nevada Capital is typically the less expensive option for both drivers who have a recent ticket and those with clean records. With Nevada Capital Insurance Company, drivers with a clean record can save about $132 a month and drivers with a speeding ticket can save around $124 per month.

Which Company is Best for Drivers After an Accident?

Mendakota drivers who get in a collision can expect to see their prices climb by just under 20%, while those who have insurance through Nevada Capital will see about a 30% increase.

At the end of the day, drivers who use Nevada Capital end up with the cheaper prices after an accident, with average premiums coming in at $126 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 collision or ticket when it comes to your auto insurance bill. Nevada Capital drivers usually see a 47% increase in their insurance rates after a DUI charge, while Mendakota will generally climb prices by around 8%.

But if you end up with a DUI charge and are looking for more affordable rates, Nevada Capital tends to be cheaper for the average driver, with monthly premiums coming in at about $168 to Mendakota's $241.

How does Credit Score Impact Mendakota and Nevada Capital Rates?

Did you know many car insurance carriers take your credit score into account when determining premiums? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it will come into play for a lot of policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking at Mendakota and Nevada Capital specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Nevada Capital will normally reward you the most. For drivers with "excellent" credit scores, Nevada Capital comes in nearly 59.02 less expensive. Drivers with "good" credit scores typically save around 53% with Nevada Capital compared to average premiums from Mendakota.

Which Company is Best for Drivers with Bad Credit?

Nevada Capital typically offers lower rates than Mendakota when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 48% a month less with Nevada Capital compared to Mendakota, and those with "poor" scores usually save an average of around 36% monthly.

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

How much you drive can have a considerable impact on your monthly prices. Generally, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mendakota charges. However, there's a pretty significant difference in monthly premiums for Nevada Capital, with policyholders who drive the least paying about $15 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Nevada Capital is the cheaper carrier.

Mendakota or Nevada Capital: 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 auto insurance, but the type of area you live in can have a large impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Nevada Capital tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Nevada Capital's average rates are around $171 while Mendakota offers premiums about $418. Drivers in suburban ZIP codes pay a monthly rate of around $114 with Nevada Capital compared to $176 with Mendakota. If you live in a rural area, you can expect to pay about $89 a month with Nevada Capital and $138 with Mendakota.

Mendakota vs. Nevada Capital Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Mendakota and Nevada Capital offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Nevada Capital blows Mendakota away when it comes to the sheer amount of discounts available, offering 15 different discounts to Mendakota's five.

There are a couple discounts both companies offer, but Nevada Capital also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Mendakota has a proprietary discount of their own -- a homeowner discounts.

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

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Mendakota or Nevada Capital the right carrier for you and your specific driver profile?

Nevada Capital might be best for you if....

• Your credit is less-than-stellar.
• Your neighborhood is in the suburbs.
• You and your spouse are buying insurance together.

Mendakota might be best for you if...

• You have a more unique driver profile than those we mentioned above.

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

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

Mendakota vs. Nevada Capital FAQs

Is Mendakota or Nevada Capital cheaper?

Nevada Capital is the less expensive of the two companies when looking at national average prices, with policies averaging $125 per month with Nevada Capital and $244 for Mendakota. Even so, that doesn't mean Nevada Capital will be the most affordable company for everyone, since there are lots of different variables that come into play when it comes to your insurance bill.

Who is better, Mendakota or Nevada Capital?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Mendakota and Nevada Capital offer me different rates?

Car insurance carriers use several different factors when calculating the premiums they charge. Variables such as age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Mendakota and Nevada Capital calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Mendakota or Nevada Capital at all, but another you hadn't even thought of!

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.