Car Insurance Henderson: Best Cheap Rates (2022)

We at the Home Media reviews team will explore the average costs of car insurance in Henderson, Nev., and explain what factors affect those costs. When looking for car insurance coverage, we recommend comparing quotes from the best car insurance companies to find the best rates.

USAA, State Farm, Geico, Progressive and Travelers typically offer the cheapest car insurance in Henderson, Nev. Factors like your credit score and driving history will affect how much you pay for insurance coverage.

Our averages for the cheapest liability and full-coverage car insurance in Henderson are based on 35-year-old drivers with clean driving records.

Cheapest Liability Car Insurance in Henderson

We found that in Henderson, USAA and State Farm offer the cheapest minimum-liability coverage on average. It’s important to note that USAA is only available to military members, veterans and their family members, so if you don’t meet those qualifications, this coverage won’t be available to you.

USAA charges an average of $46 per month or $555 per year for minimum coverage, while State Farm’s rates average $52 per month or $628 per year.

Each state sets its own minimum coverage requirements. Nevada legally requires all drivers to carry liability insurance:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury per accident
• $20,000 in property damage liability

Cheapest Full-coverage Car Insurance in Henderson

A full-coverage insurance policy includes several types of coverage. It generally includes liability insurance, as well as collision coverage and comprehensive coverage. Full coverage can often include medical payments coverage (MedPay) or personal injury protection (PIP insurance).

According to our research, the car insurance providers that tend to offer the cheapest full-coverage policies in Henderson are USAA and Geico. USAA charges an average of $104 per month or $1,253 per year for full-coverage insurance, while Geico’s rates are $105 per month or $1,255 per year on average.

The most expensive full-coverage insurance generally comes from CSAA, which charges $267 per month or $3,204 per year on average.

Insurance agencies rely on a number of factors to determine car insurance quotes. Some of these factors include your age, marital status, gender and driving record. The sections below provide average rates based on each of these factors.

Cheapest Car Insurance Henderson: Age and Marital Status

Your age directly affects how much you’ll pay for car insurance coverage, as teen drivers and those in their early 20s tend to pay more for coverage. Insurers consider younger drivers to be a higher risk, as they don’t have much experience behind the wheel.

Marital status also affects auto insurance rates, as single drivers often pay more for coverage than married drivers. 

The table below shows cost averages for single 24-year-old drivers and married 35-year-old drivers. Single 24-year-olds can pay hundreds of dollars more for car insurance. Geico typically offers some of the cheapest rates for both groups.

Cheapest Car Insurance Henderson: Gender

On average, male and female drivers tend to pay similar rates for auto insurance. The difference in rates for the two groups often comes down to less than a hundred dollars.

The below table shows average annual rates for 35-year-old male and female drivers in Henderson. Geico tends to offer the most affordable rates for each group.

Cheapest Car Insurance Henderson: High-risk Drivers

Your driving record significantly impacts your car insurance premium. Henderson drivers with a speeding ticket, an at-fault car accident or a recent DUI on their driving record could pay much more for car insurance.

In the sections below, we’ll spotlight providers that offer the cheapest full-coverage auto insurance policies based on each of these driving violations. These estimates are based on a 35-year-old male driver with a good driving record and good credit.

Car Insurance Prices in Henderson: Speeding Ticket

Based on our analysis, USAA and State Farm usually offer the most affordable coverage for drivers in Henderson with a recent speeding ticket. USAA’s rates average $128 per month or $1,540 per year, while State Farm averages $139 per month or $1,673 per year.

Car Insurance Prices in Henderson: At-fault Accident

In Henderson, having an at-fault accident on your record can impact your insurance rates quite a bit. We found that USAA and State Farm often offer the cheapest rates for those with a recent at-fault accident, with USAA costing an average of $150 per month or $1,799 per year and State Farm averaging $151 per month or $1,810 per year.

Car Insurance Prices in Henderson: DUI

Henderson car insurance prices soar if you have a recent DUI. According to our data, State Farm and USAA offer the best rates for motorists with a DUI. State Farm costs $139 per month or $1,673 per year on average, while USAA costs an average of $216 per month or $2,590 per year.

Based on our data, the average cost of car insurance in Henderson is $183 per month or $2,190 per year for a full-coverage policy. The national average for full-coverage insurance is $1,730 per year, which makes car insurance in Henderson about 27% more expensive. These average estimates are based on the driving profile for a married 35-year-old with good credit and a clean driving record.

Car Insurance Prices in Henderson: What Affects Them?

Insurance companies consider a number of factors when calculating car insurance quotes for each person. The scale changes from company to company, so you won’t necessarily get similar quotes from different insurers. Here’s a list of the factors that affect car insurance rates:

• Location
• Age
• Driving record
• Credit history
• Gender
• Marital status
• Vehicle type

Average car insurance rates in Henderson are higher than the national average, even for people with a good driving history. Most drivers in Henderson can find cheap auto insurance from USAA, State Farm, Geico, Progressive and Travelers.

Cheapest Auto Insurance in Henderson: FAQ

Below are frequently asked questions about car insurance in Henderson: