Car Insurance in Henderson

Saving while insuring a vehicle in Henderson is imperative because Henderson premiums are known for being costly. They generally surpass Nevada's average by $383. Going over some ways to save on Henderson car insurance can save you money.

  • City Average: $2,185
  • State Average: $1,802
  • National Average: $1,427

Henderson Car Insurance by Gender and Marital Status

There are several factors, including marital status and gender, that have an effect on car insurance premiums in Henderson. Being single, as opposed to married, can cost you roughly 7% more per year. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single. Males have premiums that are roughly 6% cheaper than those for females.

  • Female: $2,332
  • Male: $2,185
  • Single: $2,185
  • Married: $2,048
  • Divorced: $2,193
  • Widowed: $2,215

Henderson Car Insurance by Credit Rating

Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of almost 3x as much for car insurance than those in the top credit tier (800-850). Shifting from Very Poor (300-579) to Fair (580-669) hands over the biggest percent reduction in premiums to drivers, as they save close to 26% per year.

  • Very Poor: $5,367
  • Fair: $3,988
  • Good: $3,050
  • Very Good: $2,354
  • Exceptional: $1,793

Henderson Car Insurance by Age

With car insurance payments of $9,600 on average, teenage drivers have the largest premiums of any age group. At $2,018, drivers in their 50s have the smallest rates among any age group. However, people in their 60s ($2,053) have premiums that aren't much higher. The greatest fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Henderson start seeing a reduction in premiums of 69%. Turning 60 causes an increase in rates, but up until that point drivers can expect premium reductions when they move between age groups.

  • Teenagers: $9,600
  • 20s: $3,003
  • 30s: $2,159
  • 40s: $2,124
  • 50s: $2,018
  • 60s: $2,053
  • 70s: $2,554

Henderson Car Insurance by Accident or Violation History

Knowing which driving mishaps can balloon the cost of premiums will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Henderson have rates 63% higher than the city average ($2,185). Reckless driving will drive your premiums up as well, with average rates of $3,361, which are 54% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates following one. For individuals in Henderson with at-fault accidents, $1,163 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $3,553
  • Reckless Driving: $3,361
  • At-fault Accident (damages less than $1000): $3,348
  • At-fault Accident (damages greater than $2000): $3,348
  • Speeding Ticket (16-20 mph over speed limit): $2,741

What drives up car insurance rates in Henderson?

Where you live in Henderson affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Henderson is no exception to the rule. From zip code 89005 to 89120, premiums rise by 43 percent—that’s $573.

Expensive Henderson Zip Codes: 89014, 89074, 89123, 89122, 89120

Cheap Henderson Zip Codes: 89005, 89124, 89002, 89044, 89012

Henderson Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Henderson, you can expect 19 rainy days with an annual rainfall of 5 inches. Henderson is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Henderson

Major Highways
SR 582 I-515 I-215
Public Transit

Find Local Henderson Agents

Kellogg-Cutler & Associates Inc dba Kellogg & Yenchek Insurance Services

9065 South Pecos Road, Ste 120 Henderson, NV 89074

Bo Hash Insurance Agency

140 E Horizon Dr, Ste B Henderson, NV 89015

Just In Case Insurance, LLC.

701 N Green Valley Parkway Henderson, NV 89074

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The average Henderson resident's annual cost of coverage


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Henderson Car Insurance

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