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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.

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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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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.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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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

  • Item
    Description
  • 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
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $1,116
    $1,329
    $1,977
  • $1,634
    $1,750
    $1,634
  • $1,504
    $1,842
    $2,638
  • $1,755
    $2,227
    $2,849
  • $2,063
    $2,346
    $2,458
  • $2,973
    $3,204
    $3,391
  • 7. CSAA
    $3,771
    $4,685
    $4,013

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 Code
    State Minimumper year
  • 89015
    $1,765
  • 89052
    $1,852
  • 89074
    $1,903
iconribbontop ratedCar Insurance agentsHenderson2021

Top Agents Offering Affordable Car Insurance in Henderson

1. Farmers Insurance - Bonnie Grant223 S Water St, Ste B, Henderson, NV, 89015
14 ratings
2. Perry Olson - State Farm Insurance Agent565 Marks St, Ste 100, Henderson, NV, 89014
10 ratings
3. Everett Insurance Group871 Coronado Center Dr, Ste 200, Henderson, NV, 89052
9 ratings
4. Leon Pearson Jr - State Farm Insurance Agent1730 W Horizon Ridge Pkwy, Ste 110, Henderson, NV, 89012
6 ratings
5. Allstate Insurance: Mark Taylor10608 S Eastern Ave, Ste G, Henderson, NV, 89052
5 ratings

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.

accident2 icon
Most Accidents With Fatalities250th/300
handcuffs2 icon
Most Car Thefts253rd/300
uninsured icon
Most Uninsured Motorists by State29th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall303rd/300
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Most Rainy Days298th/300

Shopping around for car insurance in Henderson could save you $745, which is enough to buy:


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248Cups of Coffee
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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.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.