What is the average cost of car insurance in Henderson?


The typical Henderson driver pays $2,312 per year for auto insurance. That's more than the average across Nevada ($1,974) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Henderson.


AUTO INSURANCE COSTS: HENDERSON VS. STATE AND US AVERAGES
Henderson Average (annual)Nevada AverageU.S. Average
$2,312$1,974$1,548

Jump to:

Or compare car insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.


Henderson car insurance costs by company


The difference in auto insurance rates from company to company can be substantial. In Henderson, GEICO offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Henderson. Don't forget to get car insurance quotes based on your unique driving profile.


HENDERSON AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$1,276
State Farm$1,678
Progressive$2,140
Farmers$2,521
Allstate$2,818

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Henderson

The age group that enjoys the lowest auto insurance rates in Henderson are drivers in their 50s, who pay an average of $2,174per year. Those in their 60s don't pay significantly more ($2,203).

The Henderson drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Henderson is to age out of your teenage years. In Henderson, teenage drivers pay $9,492 — a full $7,290 more than the second-most expensive rate paid by an age group.


HENDERSON AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Yearly Rate
Teenagers$9,492
20s$3,121
30s$2,299
40s$2,292
50s$2,174
60s$2,203
70s$2,863

Learn more about how age influences auto insurance rates.



Henderson car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. In Henderson, married drivers pay $162 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Henderson, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Henderson, female drivers pay more for auto insurance than do male drivers: $145 per year, to be precise.


HENDERSON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$2,457
Male$2,312
Single$2,151
Married$2,151
Divorced$2,312
Widowed$2,270

Learn more about how gender and marital status have on insurance rates.



Henderson car insurance costs by violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Henderson drivers found guilty of reckless driving face insurance rate increases of $1,213 per year, compared to the citywide average. A DUI violation may lead to a $1,083 increase, while a citation for speeding leads to a $613 rate hike.


AVERAGE HENDERSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DWI/DUI$3,396
Reckless Driving$3,525
At-fault Accident (damages less than $1,000)$3,075
At-fault Accident (damages greater than $2,000)$3,656
Speeding Ticket (16-20 mph over speed limit)$2,925

Learn more about citations' impact on your auto insurance rates.



Henderson auto insurance rates by credit tier


Credit score is often closely correlated with car insurance costs. Henderson drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 55% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Henderson, improving your credit to "Fair" could help you earn $1,319 in savings on insurance premiums each year.


HENDERSON AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$4,084
Fair$2,765
Good$2,312
Very Good$2,095
Exceptional$1,847

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.

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

Bo Hash Insurance Agency

140 E Horizon Dr, Ste B, Henderson, NV 89015

Just In Case Insurance, LLC.

701 N Green Valley Parkway Suite 200, Henderson, NV 89074

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

Revised

256

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

See How Much You Can Save in Henderson

Just enter your zip code to get started

or
Location pin icon
Your information is secure.

Recent Questions:

Henderson Car Insurance

Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?

Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.

If I'm selling my car to another person using a private lien, who insures the vehicle?

The buyer would have to insure the vehicle and list you as the "lien holder" on his insurance policy. This way, if the vehicle were to be totaled, you would receive compensation since you still have an ownership interest in the vehicle.