Auto insurance rates can be cheaper or more expensive depending on several factors. Your driving history, age, credit score and your location all affect your personal rating. To know what the best personalized car insurance for you will be, you need to compare car insurance companies in Henderson to see what fits your budget and meets your needs.
Compare the Cheapest Car Insurance Quotes in Henderson, NV
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Average Cost of Car Insurance in Henderson
Henderson$1,840
Nevada$1,900
U.S.$1,424
Car insurance in Henderson is more affordable than in Las Vegas, the most populated city in Nevada. The annual average car insurance in Henderson is $1,840, which is $60 cheaper than the state average of $1,900. However, the city’s car insurance rate is still 29.2% more expensive than the national average.
It is noteworthy to consider that insurance rates vary from person to person, depending on various personalized factors. By understanding the factors that affect car insurance rates in Henderson, you may be able to find the right car insurance that meets your needs.
Compare Car Insurance Rates in Henderson
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Henderson
The most affordable car insurance company in Henderson is USAA, which offers car insurance rates for as low as $963 on average. However, USAA is only for those in the military and their family members. The next cheapest car insurance company is GEICO, which offers car insurance rates for as low as $1,095, which is $745 less than the city’s average. Compared to the most expensive company, Farmers Insurance, GEICO’s average is $1,170 cheaper.
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- CompanyAmountper year
- 1. USAA$963
- 2. GEICO$1,095
- 3. Travelers$1,363
- 4. State Farm$1,519
- 5. Allstate$1,883
Personalized Quotes to Get You the Cheapest Car Insurance in Henderson
Personal factors affect your insurance quotes such as age, marital status, gender, car model, miles driven per year, and driving history. Those are all factors that impact your insurance costs. To get a favorable insurance cost, make sure you have a driving history without violations and offenses.
To get an idea of your insurance premiums, it is advisable to get personalized car insurance quotes in Henderson. It will also be beneficial if you get a personalized quote regularly to check if there are available discounts, rebates, and savings. Also, be sure to check your rating with different companies.
Compare Car Insurance Rates in Henderson
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Henderson by Coverage Amount
How much car insurance coverage you purchase in Henderson also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
Nevada Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
There are different types of insurance plans that are categorized according to their level of coverage. For instance, GEICO offers a $594 average for liability coverage and a $895 average for full coverage for 50/100/50. That coverage type means that $50,000 is allocated to pay for medical bills, $100,000 per vehicle and $50,000 for property damage repair. The 50/100/50 GEICO full coverage insurance is worth considering, especially since it only costs $190 more while covering both your expenses and the other party.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$516$631
- 2. GEICO$594$704
- 3. Travelers$815$1,057
- 4. State Farm$816$1,000
- 5. Allstate$966$1,309
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$815$963
- 2. GEICO$895$1,095
- 3. Travelers$1,267$1,363
- 4. State Farm$1,234$1,519
- 5. Allstate$1,635$1,883
Compare Car Insurance Rates in Henderson
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Henderson if You Have Tickets
One factor that affects your auto insurance premiums is your driving history. With State Farm, a person will pay an average of $1,519 for auto insurance if they have no driving violations. If they were to get a speeding ticket, that rate would rise to an average of $1,634. If that State Farm customer causes an auto accident, their average rate increases to $1,750.
If that State Farm customer gets a DUI, they will see their rate rise to an average of $1,634. Being a safe driver can saver drivers in Henderson hundreds of dollars in auto insurance premiums.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$1,116$1,329$1,977
- 2. State Farm$1,634$1,750$1,634
- 3. GEICO$1,504$1,842$2,638
- 4. Travelers$1,755$2,227$2,849
- 5. Allstate$2,063$2,346$2,458
Average Cost of Car Insurance by Postal Code
As with many states, auto insurance rates in Henderson vary by ZIP codes. What causes the variations from one ZIP code to another is that certain regions have denser traffic, different auto accident rates or car theft rates.
In Henderson, the cheapest ZIP code is 89015, which averages to $1,765. The second cheapest is 89052, which is $1,852 on average. The most expensive ZIP is 89074 at $1,903 on average.
- Zip CodeState Minimumper year
- 89015$1,765
- 89052$1,852
- 89074$1,903
top ratedCar Insurance agentsHenderson2021Top Agents Offering Affordable Car Insurance in Henderson
1. Farmers Insurance - Bonnie Grant223 S Water St, Ste B, Henderson, NV, 89015
2. Perry Olson - State Farm Insurance Agent565 Marks St, Ste 100, Henderson, NV, 89014
3. Everett Insurance Group871 Coronado Center Dr, Ste 200, Henderson, NV, 89052
4. Leon Pearson Jr - State Farm Insurance Agent1730 W Horizon Ridge Pkwy, Ste 110, Henderson, NV, 89012
5. Allstate Insurance: Mark Taylor10608 S Eastern Ave, Ste G, Henderson, NV, 89052
Insurance Providers That Serve Henderson
Factors That Impact Insurance Costs in Henderson
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Henderson. How Henderson ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Henderson could save you $745, which is enough to buy:
248Cups of Coffee
57Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Henderson are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Henderson
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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