Henderson, NV Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Henderson.
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|
The cheapest car insurance companies in Henderson
Capital Insurance Group offers the cheapest rates in Henderson with premiums at $514 for six months.
In second place is GEICO, which costs $106 per month, or $637 for a six-month policy.
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.
Are you paying too much for auto insurance?
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
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
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.
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
|Age Bracket||Cheapest Companies||Avg. 6 Mo. Premium|
|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|
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
- 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 2023, Capital Insurance Group is the least expensive option for drivers in Henderson in this credit range, with GEICO coming in second.
Cheapest car insurance companies for bad credit in Henderson, NV
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 2023, an at-fault accident raised the average car insurance rates in Henderson by a difference of $209 to $301 per month. Capital Insurance Group is the cheapest insurance company in Henderson after an at-fault accident, with GEICO a close second.
To keep your insurance rates affordable in Henderson, your best bet is to drive safely and avoid violations. While some things are beyond our control, do your best to avoid charges such as speeding citations, DUIs or DWIs, and reckless driving. Your car insurance rates will likely be impacted by these incidents for three to five years, and some of the more serious violations can follow you for even longer periods.
Cheapest car insurance companies after an at-fault accident in Henderson, NV
Henderson car insurance rates by violation
Below you can see how different violations and claims will affect your rate in Henderson.
Car insurance rate increases after violations and citations in Henderson, NV
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,255||0%||$0|
|Two Med/PIP claims||$1,275||2%||$20|
|One comp claim||$1,278||2%||$23|
|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|
|Following too closely||$1,540||23%||$284|
|Wrong way/wrong lane||$1,540||23%||$284|
|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|
|Refusal to submit to a chemical test||$2,066||65%||$811|
|Driving with a suspended license||$2,129||70%||$874|
|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.
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
According to a study done by Smart Growth America, Nevada ranks as the eighth most dangerous state for pedestrians in the nation. 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.
The Las Vegas-Henderson area made it on Metro Magazine's worst cities for commuting on public transportation list. 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.
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.
Cheapest car insurance companies for bundling home and auto insurance in Henderson, NV
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.
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Frequently asked questions
How much is car insurance in Henderson?
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.
What is the cheapest car insurance in Henderson?
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.
Is car insurance cheaper in Henderson than Las Vegas?
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.
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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 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.