bestauto insuranceHenderson2022Compare 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 $1,095 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 12/4/2022
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
In Henderson, GEICO offers the cheapest car insurance. GEICO is also cheapest for drivers with a ticket and for a minimum coverage policy. USAA has great prices for those with a military background, whereas State Farm is MoneyGeek’s pick for the best insurer in Henderson that combines quality service and affordability. Your profile and coverage needs determine your best choice.
bestauto insuranceHenderson2022The Cheapest and Best Car Insurance in Henderson
The Cheapest Car Insurance Companies in Henderson
The cheapest companies for a full coverage policy in Henderson are:
- GEICO: $1,095 per year on average
- Travelers: $1,363 per year on average
USAA is the cheapest full coverage option overall at $963 yearly, but a policy is only available to drivers with a military background.
CSAA is the most expensive insurer in Henderson for a full coverage policy at $2,915 annually, which is 62% more than GEICO, the cheapest option.
Full coverage policies include comprehensive and collision coverages, which protect you in case of damage to your car. Rates vary depending on your profile and the liability limits you choose.
Cheapest Car Insurance in Henderson
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$963
- 2.$1,095
- 3.$1,363
- 4.$1,519
- 5.$1,883
MoneyGeek’s analysis is based on rates for a 40-year-old male driver in Henderson with a full coverage policy, as our methodology explains. The cost of a full coverage policy is typically higher than a minimum liability policy because it offers more, including:
- Comprehensive insurance: covers non-collision–related damage to your car, such as vandalism or theft
- Collision insurance: covers collisions with other cars or stationary objects
For older cars, a state minimum or liability-only policy may be the cheapest rate option since a full coverage policy could cost more than the value of the car.
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 for Minimum Coverage
For the most affordable car insurance in Henderson, a minimum coverage policy is the best option. However, since a minimum liability policy does not include collision or comprehensive insurance or high liability limits, the trade-off for the lower price is that you are not fully covered.
For a minimum coverage policy, the cheapest insurers in Henderson are:
- GEICO: $594 per year on average
- Travelers: $815 per year on average
USAA is the cheapest option for military members at $516 per year. In Henderson, CSAA is the most expensive, costing $822 more than GEICO, the cheapest, widely available option. Explore the table below to see how much higher liability costs.
Cheapest Minimum Liability Car Insurance in Henderson
State Minimum
- CompanyState Minimumper year
- 1.$516
- 2.$594
- 3.$815
- 4.$816
- 5.$966
A minimum coverage policy is the cheapest car insurance you can buy in Henderson, but it only offers the minimum liability coverage required by Nevada insurance laws, 25/50/20.
For example, Nevada’s auto insurance property damage requirement per accident is $20,000. If you cause an accident that results in $50,000 worth of property damage, your minimum liability policy only covers $20,000, and you have to pay the rest out of pocket.
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.
Cheapest Car Insurance in Henderson if You Have Driving Violations
Violations such as DUIs and tickets increase car insurance rates in Henderson. The cheapest insurers for Henderson drivers, on average, with violations are:
- Cheapest after a ticket: GEICO, $1,504 annually
- Cheapest after an at-fault accident: State Farm, $1,750 annually
- Cheapest after a DUI: State Farm, $1,634 annually
USAA is cheapest after a ticket ($1,116/year) or accident ($1,329/year), but you can only get a policy with a military background.
If you have a poor driving record, improving it over time can help to reduce the cost of car insurance. For now, get quotes from different insurers to find the cheapest rate for a driver with a violation.
Cheapest Car Insurance in Henderson With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,116
- 2.$1,504
- 3.$1,634
- 4.$1,755
- 5.$2,063
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.
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.
The Best Car Insurance Companies in Henderson
MoneyGeek ranked the best car insurance companies based on customer satisfaction, financial stability, claims and affordability. Using this criteria, we found that the following companies offer the best car insurance in Henderson:
- GEICO: MoneyGeek score of 86.8 out of 100
- State Farm: MoneyGeek score of 84.6 out of 100
USAA received a perfect MoneyGeek score of 100, but it was not included in our rankings as policies are only available to military members and their families.
1
GEICO
Score:87
GEICO received high scores for financial stability, customer satisfaction, claims and affordability. The annual price for its full coverage policy for a 40-year-old driver in Henderson is $1,095. The insurer offers one unique coverage option, mechanical breakdown insurance (MBI).
More About GEICO
MBI offers greater coverage than typical dealer warranties, as it covers the replacement and repair costs of all auto parts and systems, rather than those limited to a specific list. To be eligible for this coverage, you must have a new or leased car that’s less than 15 months old and has accumulated less than 15,000 miles. In addition to MBI, the insurer offers several common add-on coverage options, like roadside assistance, rental car and/or travel reimbursement and accident forgiveness.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:85
State Farm received perfect MoneyGeek scores for financial stability and customer satisfaction. The insurer offers the second-best full coverage car insurance in Henderson for around $1,519 per year. One unique add-on coverage, rideshare insurance, is available through State Farm.
More About State Farm
If you work for a ridesharing company like Uber or Lyft, State Farm's rideshare insurance ensures that your personal auto insurance policy's medical, emergency roadside assistance and rental car reimbursement coverage remain in effect. When the app is turned on and you're available for hire, all the coverages included in your personal auto insurance policy, except for liability insurance, remain in effect. Besides rideshare insurance, State Farm also offers two common add-on coverages: roadside assistance and rental car and/or travel reimbursement coverage.
Read MoneyGeek's State Farm auto Insurance ReviewAverage 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
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.
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