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 Average||State Average||National Average|
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
|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/Gender||Average Rate|
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
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 Quality||Average Car Insurance Rate|
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
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
The average Henderson resident's annual cost of coverage
Our customer's average savings after comparing insurance
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Henderson Car Insurance
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