What's the Average Cost of Car Insurance in Henderson?


With premiums within 2.8% of the national average, Nevada has rates that are fairly similar to the nation. Keep some money in your pocket by following our tips and saving on auto insurance in Henderson.


CAR INSURANCE RATES: HENDERSON VS. US/STATE AVERAGES
City AverageState AverageNational Average
$2,300$1,614$1,569


Henderson Auto Insurance by Violation or Accident History


Possessing a clean driving record is critical to keep your car insurance rates low. Do you want to increase your car insurance premiums by a striking 26%? If not, keep an eye on your speedometer because getting pulled over for driving 16-20mph above the speed limit in Henderson will trigger that increase. In Henderson, drivers with a DUI need to spend $1,390 more than the city average to insure their vehicle. Reckless driving will also drive your rates up, with average rates of $3,788!


AVERAGE HENDERSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$3,689
Reckless Driving$3,788
At-fault Accident (damages less than $1,000)$3,319
At-fault Accident (damages greater than $2,000)$3,546
Speeding Ticket (16-20 mph over speed limit)$2,905


Henderson Car Insurance by Credit Level


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $4,378 every year on car insurance. Moving from Very Poor (300-579) to Fair (580-669) offers drivers the largest percent decrease in premiums, as they save approximately 51% per year.


HENDERSON CAR INSURANCE RATES BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$6,144
Fair$2,990
Good$2,300
Very Good$2,002
Exceptional$1,766


Henderson Car Insurance by Age Bracket

Teenage drivers have the largest premiums of any age group. They have typical car insurance payments of $9,983. Looking across all age groups, drivers in their 50s tend to have the smallest premiums. Their rates normally average $2,133 per year. People in their 60s ($2,174) also have relatively low premiums. In Henderson, drivers see the largest decrease in premiums when they reach their 20s, as they save an average of 69% from moving out of the teenage age bracket. When drivers turn 60, they will experience a premium increase related to their age for the first time.


HENDERSON AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$9,983
20s$3,137
30s$2,272
40s$2,242
50s$2,133
60s$2,174
70s$2,546


Henderson Auto Insurance by Gender and Marital Status


Car insurance premiums in Henderson can be affected by gender and marital status. $161 is the amount by which men's and women's car insurance premiums differ. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single. Being married, as opposed to single, can save you roughly 6% per year.


HENDERSON CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,460
Male$2,300
Single$2,300
Married$2,160
Divorced$2,309
Widowed$2,336


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

Revised

256

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

See How Much You Can Save in Henderson

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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.