How Much Are Car Insurance Rates in Henderson?


Premiums in Henderson, which surpass Nevada's average by 21%, are known for being expensive. So in Henderson, it is imperative to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in Henderson compare to premiums nationwide.


CAR INSURANCE COSTS: HENDERSON VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,185$1,802$1,427


Henderson Auto Insurance for Drivers With At-Fault Accidents or Violations


By knowing which driving mishaps can balloon your insurance premiums, you can make better decisions and save money. In Henderson, drivers with a DUI have rates 63% greater than the city average of $2,185. Reckless driving will drive your premiums up as well, with typical rates of $3,361, which are 54% higher than the city average! Nobody plans on getting into an accident, but life happens, so be aware of what one can do to your rates. $1,163 is, on average, the additional cost for car insurance in Henderson if you have an at-fault accident on your driving record.


AVERAGE HENDERSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$3,553
Reckless Driving$3,361
At-fault Accident (damages less than $1,000)$3,348
At-fault Accident (damages greater than $2,000)$3,348
Speeding Ticket (16-20 mph over speed limit)$2,741


Henderson Auto Insurance by Marital Status and Gender


Car insurance premiums in Henderson vary based on your marital status as well as gender. Males have premiums that are nearly 6% cheaper than those for females. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single. You spend roughly 7% more per year if you're single as opposed to married.


HENDERSON CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,332
Male$2,185
Single$2,185
Married$2,048
Divorced$2,193
Widowed$2,215


Henderson Car Insurance Rates by Age

The greatest dip in premiums for Henderson drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers reduce their premiums by $6,597. Insurance rates for drivers in Henderson continue to decrease through their 50s, but they can anticipate a change when they turn 60. With average car insurance payments of $9,600, teenage drivers have the highest rates of any age group. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $2,018. However, those in their 60s ($2,053) have premiums that aren't much higher.


HENDERSON AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$9,600
20s$3,003
30s$2,159
40s$2,124
50s$2,018
60s$2,053
70s$2,554


Henderson Auto Insurance by Credit Score


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $3,574 each year on car insurance. Drivers will see the biggest reduction in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,379 per year.


HENDERSON AUTO INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Car Insurance Rate
Very Poor$5,367
Fair$3,988
Good$3,050
Very Good$2,354
Exceptional$1,793


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.

19

Rainy Days a Year

5"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Be Prepared For

Driving in Henderson

2
Major Highways
SR 582 I-515 I-215
2
Public Transit
RTC Bus

Find Local Henderson Agents

Just In Case Insurance, LLC.

701 N Green Valley Parkway Henderson, NV 89074

Bo Hash Insurance Agency

140 E Horizon Dr, Ste B Henderson, NV 89015

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

9065 South Pecos Road, Ste 120 Henderson, NV 89074

Not sure about Henderson

Check out these other Nevada cities...

Las Vegas

Reno

North Las Vegas

2

$1,603

The average Henderson resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

256

That's equal to 256 cups of coffee or $641 in savings

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Recent Questions:

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Henderson Car Insurance

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