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Renata Balasco

Senior Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Nathan Foster

Agency Trainer

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  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Henderson?

The current going rate for auto insurance in Henderson is $1,255 for a six-month policy, which is approximately $209 per month on average. It is important to shop around and compare rates from different insurance companies to find the most affordable option for you.

Residents of Henderson pay more than the state average for Nevada ($1,109) every six months and significantly more than the US average of $880. Of our customers in Henderson, 44% used our service because they were paying too much for car insurance. Keep reading to get more information about what fair rates in Henderson look like and how these costs are calculated.

Car Insurance in Henderson vs. Nevada Avg. 6 Mo. Premium
Henderson Average $1,255
Nevada Average $1,109

The cheapest car insurance companies in Henderson

1st place medal
1st place: Capital Insurance Group

Capital Insurance Group offers the cheapest rates in Henderson with premiums at $514 for six months. 

2nd place medal
2nd place: GEICO

In second place is GEICO, which costs $106 per month, or $637 for a six-month policy.

3rd place medal
3rd place: USAA

USAA places third in Henderson with six-month policies at $847 on average. USAA provides car insurance coverage to members of the military and their families only. 

The Zebra's key takeaways about car insurance in Henderson:

  • The average cost of a car insurance policy in Henderson is $1,255 per six-month policy — $209 per month.
  • The cheapest company in Henderson is Capital Insurance Group ($514).
  • Henderson ranks as the 11th most expensive city for car insurance in Nevada.
  • 44% of our customers in Henderson used our service because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Henderson car insurance rates by company

According to our 2022 data, the cheapest option for full coverage auto insurance in Henderson is provided by Capital Insurance Group at a cost of $86 per month or roughly $514 per six-month policy. The second most affordable choice is GEICO, with a monthly average of $106 or $637 for a six-month policy.

The Zebra's Customer Satisfaction Survey can provide information on the best-rated car insurance providers, which you can learn more about below.

 

Cheapest car insurance companies in Henderson, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $514
GEICO $637
USAA $847
Progressive $889
State Farm $1,020
Travelers $1,029
Nationwide $1,212

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


When it comes to finding cost-effective coverage that meets your needs, the most efficient method is to compare. Insurance providers have differing rates, and it's critical to do your homework. Let The Zebra simplify the process - input your ZIP code to view rates from top insurers like Progressive, GEICO, Allstate, and numerous others in Henderson.

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Average car insurance in Henderson by rating factor

Numerous details are taken into account by insurance companies when calculating individual rates. These rating factors are generally utilized by all auto insurance providers, but the importance they assign to each factor can vary. One insurer may prioritize credit score, while another might place greater emphasis on claims history.

Remember that the most suitable insurance company for you can shift over time. As your circumstances change and your insurance needs evolve, it's important to shop around for quotes periodically to ensure that you're saving money and have the right coverage in Henderson.

Q: I didn't have an accident — Why is my insurance going up?

A: Henderson's end-of-year earnings play a significant role in determining how much you'll pay for auto insurance. Even if you're an exceptional driver with an impeccable driving history, you may still be required to pay a higher premium to one insurance company over another due to the increased cost of conducting business in Henderson.

Auto insurance premiums by age in Henderson

While this may seem unfair, it's important to remember that insurance companies are in the business of risk management. By charging higher rates for teen drivers, they are able to offset the increased cost of paying claims. In other words, it's not personal; it's just business.

Age is a crucial factor when it comes to car insurance rates in Henderson. Insurance companies use data to assess a driver's risk level and probability of filing a claim or getting into an accident. Teenagers have a higher likelihood of accidents, which is why they usually have the highest insurance premiums to offset the cost of their claims. Drivers in their teens in Henderson pay an average of $2,435 more than those in their 20s, representing the largest gap between any two age groups at 150%.

Insurance rates for teen drivers and their parents can be surprisingly high, but it's important to keep in mind that insurance companies are primarily concerned with risk management. Although the initial cost may be jarring, it will decrease as the teen driver gains more experience behind the wheel and demonstrates a safe driving history.

 
Cheapest car insurance companies for teen drivers in Henderson, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $1,604
GEICO $1,769
USAA $2,438
Travelers $3,480
State Farm $3,700
Nationwide $3,865
Progressive $4,306
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $811
30s Capital Insurance Group $623
40s Capital Insurance Group $581
50s Capital Insurance Group $578
60s Capital Insurance Group $546
70s Capital Insurance Group $552

Zebra Tip: The cheapest companies for Henderson drivers between 70-80 are GEICO, USAA and Capital Insurance Group


Drivers in Henderson primarily fall within the age range of 70-79. Typically, this group pays an average of $1,441 every six months, but they could potentially save up to 46% by choosing one of these insurance companies.

Auto insurance premiums for minimum coverage in Henderson

Henderson drivers' choice of coverage plays a vital role in determining their car insurance premium. Our research indicates that 33% of Henderson drivers opt for the state minimum coverage. While it meets the legal requirements, carrying only the minimum coverage may leave you underinsured.

If you opt for collision coverage or comprehensive coverage (also known as "full coverage" when bundled), you can expect a substantial increase in your insurance rates, as well as the requirement of a deductible. But don't dismiss the value of a deductible, as it can help you save money. Raising your deductible will lower your premium, as the two are inversely proportional.

Insurance providers in Henderson also offer additional benefits such as roadside assistance or uninsured motorist coverage that can provide coverage in the event of a collision with an underinsured driver. While these features may raise your overall rates, The Zebra still recommends carrying them as a means of securing additional financial protection and peace of mind.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

If you are leasing or financing your car, your lender may have insurance requirements that must be met. However, if you own your vehicle, you may be considering dropping comprehensive or collision insurance to save money. The Zebra suggests using a resource such as Kelley Blue Book to determine the actual cash value of your car before deciding if it's worth cutting back your insurance coverage. A good rule of thumb is that if your car is worth less than $4,000, you can probably eliminate your collision coverage, but remember that you would be responsible for repairs after a collision.

Cheapest car insurance companies for minimum coverage in Henderson, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $218
GEICO $284
Progressive $344
USAA $380
State Farm $425
Travelers $444
Nationwide $551
  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

Most of our customers in Houston opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Nevada's 25/50/20 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $20,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in Nevada.

Henderson car insurance rates by credit score

Your credit score is a critical factor in your insurance rate in Henderson, as it is in most states. Louisiana is no exception to this rule. Several factors contribute to this, but ultimately it comes down to risk. Research and analysis have demonstrated that drivers with lower credit scores are more likely to file claims, engage in risky driving behaviors, and have lapses in their insurance coverage. Since poor credit is associated with higher risk, the lower your credit score, the more you'll pay for car insurance.

In Henderson, drivers with poor credit (300-579) pay 63% more for car insurance than drivers with excellent credit (800-850). However, most people behind the wheel in Henderson have an "good (680-719)" credit score. In 2024, Capital Insurance Group is the least expensive option for drivers in Henderson in this credit range, with GEICO coming in second.

car insurance in henderson by credit score
Cheapest car insurance companies for bad credit in Henderson, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $721
GEICO $874
Progressive $1,293
Nationwide $1,704
Travelers $1,715
USAA $1,821
State Farm $2,007

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


In Henderson, our data shows that drivers with "Fair" credit pay $812 less for car insurance in a year than drivers with "Poor" credit. This equates to a savings of 29%! If you've been working to raise your credit score, it may be worth looking into car insurance rates and seeing how your hard work can pay off in terms of savings.

Auto insurance rates with an at-fault accident

In Henderson, collision-type accidents and at-fault violations are the most common types of insurance claims. These types of incidents can dramatically increase your rates. In 2024, an at-fault accident raised the average car insurance rates in Henderson by a difference of $209 to $301 per month. Capital Insurance Group is the cheapest insurance company in Henderson after an at-fault accident, with GEICO a close second.

To keep your insurance rates affordable in Henderson, your best bet is to drive safely and avoid violations. While some things are beyond our control, do your best to avoid charges such as speeding citations, DUIs or DWIs, and reckless driving. Your car insurance rates will likely be impacted by these incidents for three to five years, and some of the more serious violations can follow you for even longer periods.

 

Cheapest car insurance companies after an at-fault accident in Henderson, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $721
GEICO $1,053
USAA $1,148
State Farm $1,306
Travelers $1,369
Progressive $1,492
Nationwide $1,849

Henderson car insurance rates by violation

Below you can see how different violations and claims will affect your rate in Henderson.

Car insurance rate increases after violations and citations in Henderson, NV
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $1,255 0% $0
One Med/PIP claim $1,255 0% $0
Two Med/PIP claims $1,275 2% $20
One comp claim $1,278 2% $23
Not-at-fault accident $1,301 4% $46
Two comp claims $1,331 6% $76
Failure to wear a seat belt $1,424 13% $169
Failure to show documents $1,436 14% $181
Child safety restraint $1,443 15% $187
Driving without lights $1,456 16% $201
Driving with expired registration $1,464 17% $208
Cell phone violation $1,518 21% $263
Speeding 6 - 10 MPH over limit $1,522 21% $267
Texting while driving $1,523 21% $268
Speeding in school zone $1,525 21% $270
Speeding 11 - 15 MPH over limit $1,525 22% $270
Speeding 16 - 20 MPH over limit $1,528 22% $273
Failure to yield $1,528 22% $273
Driving too slowly $1,530 22% $275
Failure to stop at a red light $1,530 22% $275
Illegal turn $1,531 22% $276
Following too closely $1,540 23% $284
Wrong way/wrong lane $1,540 23% $284
Improper passing $1,557 24% $301
In 65 MPH zone $1,588 26% $332
Speeding 21 - 25 MPH over limit $1,627 30% $372
Passing school bus $1,633 30% $378
At-fault accident - less than $1000 $1,670 33% $415
Operating a vehicle without permission $1,689 35% $434
At-fault accident - greater than $2000 $1,807 44% $552
At-fault accident - $1000-$2000 $1,807 44% $552
Open container $1,827 46% $571
Refusal to submit to a chemical test $2,066 65% $811
Driving with a suspended license $2,129 70% $874
Racing $2,135 70% $879
DUI $2,144 71% $889
Reckless driving $2,160 72% $905
Leaving scene of an accident/hit and run $2,246 79% $990

Why is car insurance in Henderson so expensive?

For drivers in Henderson, auto insurance can be a real budget buster. There are many factors that contribute to the high cost of coverage in this area, including the overall cost of living, as well as the number of accidents and thefts that occur in the region. Additionally, insurance companies often have to pay out more in claims for drivers in Henderson, which can drive up rates for everyone. All of these factors can make it tough to find affordable car insurance in this city.

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Location

Henderson, Nevada sits right on the border of Las Vegas, a notoriously expensive city. Henderson's vicinity to Sin City contributes to its high car insurance premiums through congested roads, crime rates and cost of living expenses. 

Expensive Henderson ZIP codes: 89183, 89074, 89014

Cheap Henderson ZIP codes: 89002, 89015, 89044

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Pedestrian safety

According to a study done by Smart Growth America, Nevada ranks as the eighth most dangerous state for pedestrians in the nation[1]. They state that roads are dangerous to pedestrians because they are designed only to move cars quickly, regardless of the safety of people walking. A high mortality rate of people being struck by cars contributes to the high car insurance costs in this area.

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Lack of public transportation

The Las Vegas-Henderson area made it on Metro Magazine's worst cities for commuting on public transportation list[2]. With limited options for public transportation, Henderson drivers are forced to take personal vehicles to work and social obligations, increasing the number of cars on the road and the likelihood of accidents.

Zebra Tip: Consider uninsured property damage coverage


For drivers in areas with a high rate of uninsured motorists, uninsured motorist coverage (UMPD) can provide added peace of mind. This coverage can help cover damages to your vehicle or injuries you sustain in an accident caused by an uninsured driver. UMPD coverage is typically less expensive than collision coverage and often comes with a lower deductible. Additionally, filing a UMPD claim is unlikely to have as big an impact on your insurance rates as a collision claim.


Bundling insurance policies in Henderson

For drivers looking to save money on car insurance, bundling policies with a single insurer can be a smart move. By combining your auto insurance with a renters or homeowners policy, for example, you may be able to take advantage of discounts that could significantly reduce your premiums. In fact, some insurers offer savings of up to 10% for policyholders who bundle their home and auto insurance.

For drivers with separate car and home insurance policies, taking the time to bundle them together can be a smart financial move. By combining your coverage with a single insurer, you can often save money on your premiums. And if you're shopping around for a new insurance company, make sure to ask about bundling discounts. Many insurers offer special rates for policyholders who bundle their home and auto coverage. Some of the companies below are particularly well-known for offering great deals on bundled coverage.

bundling home and auto insurance in Henderson
Cheapest car insurance companies for bundling home and auto insurance in Henderson, NV
Company Avg. 6 Mo. Premium
Capital Insurance Group $449
GEICO $606
USAA $790
Progressive $813
State Farm $852
Travelers $927
Nationwide $1,212

Your car insurance premium is influenced by a variety of factors, some of which you have control over and others you don't. While it's important to have adequate coverage when you're behind the wheel, it's also important to not pay more than you need to. To find the most affordable rate, we recommend shopping around and comparing car insurance quotes from different auto insurance companies. This way, you can find a policy that meets your financial needs without sacrificing quality or customer service.

Don't overlook the potential for savings when major life events or financial changes occur. Improving your credit score or reaching a milestone birthday can lead to rate reductions on your car insurance. Additionally, some insurance companies may simply be more expensive than others, so it's important to research your options and make the switch to a more affordable provider if it makes sense for your situation.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

The average six-month policy costs Henderson drivers about $1,255, or $209 per month. To ensure you're getting the best value for your coverage, shop around for quotes from multiple insurance providers and look into ways to adjust your policy.

If you're looking for the cheapest car insurance rates in Henderson, look no further than Capital Insurance Group. On average, their six-month policies cost just $514.

Drivers in Henderson can anticipate paying approximately $173 less for a six-month car insurance policy than drivers in Las Vegas, which breaks down to about $29 per month.


Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Henderson, NV


About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.