Compare the Cheapest Car Insurance Quotes in Henderson, NV

Henderson car insurance costs an average of $1,840 per year, which is cheaper than the state average. At roughly $963 annually, the cheapest widely available insurance provider is GEICO. MoneyGeek ranked the cheapest providers based on different coverage levels and driver profiles. For drivers looking to balance affordability with quality service, MoneyGeek also rated the best companies in Henderson.

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The Cheapest and Best Car Insurance in Henderson

The Cheapest Car Insurance Companies in Henderson

In Henderson, the insurers with the cheapest average rates for a full coverage policy are:

  • USAA: $963 annually (only available to current and former military)
  • GEICO: $1,095 annually

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.

To facilitate this study, MoneyGeek gathered average insurance rates in Henderson for a sample 40-year-old male driver with a full coverage policy, which includes liability insurance and comprehensive and collision coverage.

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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 Car Insurance Companies in Henderson

To help Henderson drivers looking for an insurer that balances cost and quality, MoneyGeek ranked the best companies. According to MoneyGeek’s data, the best car insurance providers in Henderson for most drivers are:

  • State Farm: MoneyGeek score 90 out of 100
  • GEICO: MoneyGeek score 90 out of 100

USAA received the highest score in Henderson by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To arrive at these final scores out of 100, MoneyGeek used several criteria, including J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:90

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:83

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:83

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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.

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

Cheapest Car Insurance in Henderson by Coverage Amount

In Henderson and elsewhere, the amount of coverage you choose to buy is one of the most important factors impacting your rates. For a state minimum liability policy in Henderson, you would pay $993 on average per year, while a full coverage policy with higher liability limits costs $1,840 on average. This is a difference of $847.

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: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Henderson if You Have Driving Violations

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
  • 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
  • 6.
    Farmers
    $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
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall303rd/300
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Most Rainy Days298th/300

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.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.