Cheapest Car Insurance in Henderson, Nev. (2023 Rates)

The top car insurance choices in Henderson are State Farm, USAA, Geico, Travelers and Progressive. These companies have below-average rates and are known for exceptional customer service and quality coverage.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Henderson is $128 per month or $1,530 per year. This is about 145% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $258 per month or $3,099 per year on average, which is about 55% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Henderson

State Farm offers the cheapest liability insurance with average rates of $50 per month or $598 per year. USAA is the second-cheapest option in Henderson with average rates of $59 per month or $703 per year.

Liability coverage is the minimum coverage required by the state of Nevada. According to Nevada law, all drivers must either meet or exceed the following minimum insurance requirements:

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

While Nevada doesn’t require uninsured motorist coverage, it’s a popular type of car insurance coverage that reduces drivers’ risk on the road. However, you’ll receive the cheapest rates by sticking to only the state minimum standards.

Cheapest Full-Coverage Car Insurance in Henderson

A full-coverage car insurance policy can be pricey in Henderson. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. State Farm is the cheapest full-coverage option with average rates of $126 per month or $1,507 per year.

A lot of factors can affect how much car insurance costs, so the cheapest provider for one person may be wrong for someone else. In this part, we’ll see how car insurance costs in Henderson can change depending on how old you are, your driving record and what your credit score looks like. Henderson has different ZIP codes with their own average auto insurance costs, so we’ll talk about those too.

A few ways to increase the accessibility of cheap car insurance services in Henderson are by boosting your deductible and by comparing quotes from insurance agencies throughout the Las Vegas region. We’d also recommend bundling auto coverage with renters insurance, life insurance and home insurance if you’re a homeowner.

Henderson Car Insurance Cost by Age

Car insurance costs are highest for teenagers due to their increased chances of being in car accidents or of breaking traffic rules. Our data shows that 16-year-olds pay about $604 per month or $7,245 per year for car insurance in Henderson.

Car insurance tends to get cheaper for drivers in their 20s and prices continue to decrease as people get older. The chart below shows the average minimum cost of car insurance in Henderson for different age groups.

Cheapest Car Insurance in Henderson: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that State Farm is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $209 per month or $2,512 per year. Geico, USAA and American Family also offer affordable premiums for Henderson teens.

Henderson Car Insurance Cost by Credit Score

In many states, including Nevada, auto insurance companies can consider people’s credit scores when deciding how much to charge for coverage. If someone has a low credit score, their car insurance will be pricier, and the opposite is true for those with good credit scores.

Cheapest Car Insurance in Henderson: Poor Credit

Our rate data shows that Geico is the cheapest option for car insurance with bad credit in Henderson. The company offers minimum-coverage policies to drivers with poor credit for rates of $97 per month or $1,161 per year. This is 24% less than the overall state average for minimum coverage with good credit.

Henderson Car Insurance Cost by Driving Record

People who’ve been issued speeding tickets, had car accidents or received DUIs should anticipate steeper car insurance premiums. On average, speeding can increase your rates by 22%, an at-fault accident by 46%, and a DUI by 81%.

Though each company has different average price increases, we found that State Farm is the top choice in Henderson if you’ve got violations on your record. The table below shows average rates by company for policyholders who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Henderson: Speeding Ticket

Let’s dive into the details of car insurance rates for high-risk drivers. According to our data, State Farm offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $54 per month or $652 per year. USAA follows close behind with an average monthly rate of $69, while Travelers, Geico and Progressive round out the top five options for cheap speeding ticket car insurance in Henderson.

Cheapest Car Insurance in Henderson: At-Fault Accident

Getting into a car accident where you’re responsible can cause your insurance rates to go up more than after a speeding ticket. State Farm and USAA are the cheapest options here with average rates of about $60 per month and $81 per month, respectively.

Cheapest Car Insurance in Henderson: DUI

A DUI is a severe offense that can cause your car insurance rates in Henderson to go up by a few hundred dollars each year. State Farm is extremely cheap compared to other companies, offering average rates of $54 per month or $652 per year for drivers with a DUI. Travelers, USAA and Progressive are also good options with rates under $148 per month on average.

Henderson Car Insurance Cost by ZIP Code

Rates of insurance claims vary across different sections of the city, which can greatly impact your insurance costs. Below, you’ll notice that certain ZIP codes in Henderson can be up to 0.2% cheaper or more expensive than the citywide average.

While auto coverage in Henderson is 34% higher than Nevada car insurance and 145% more than the national average, there are still cheaper providers to shop from. State Farm offers the least expensive minimum and full coverage in the city for $50 and $126 per month, respectively.

Compare free quotes to find the company that meets your Nevada car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Henderson, Nev.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.