Cheapest Car Insurance Quotes in Henderson

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406,175 Policies Sold

Henderson Car Insurance

^$ 43

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Henderson

The car insurance rate in Henderson is $1011 for a six-month policy, which is $193 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, making it a popular choice for budget-conscious drivers. Rates in Henderson can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Henderson

$1011

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Henderson

1st place: Kemper

At $624 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $689 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $718 for six months, making it the third cheapest auto insurance company in Henderson.

Henderson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Henderson, MD is Kemper, offering policies at just $624 for a six-month term. This is followed by USAA, which has an average six-month premium of $689.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Henderson drivers find the best deals.

Cheap Car Insurance Companies in Henderson, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$624	$106
USAA	$689	$116
Travelers	$718	$121
State Farm	$793	$134
Erie	$858	$144
Nationwide	$864	$145
Progressive	$1023	$172
Allstate	$1522	$254
Maryland Auto	$2011	$342

Key Takeaways

Way's key takeaways about car insurance in Henderson

The auto insurance costs in Henderson fall around $624 for six months.
The cheapest auto insurance company in Henderson is USAA.
Teen drivers pay the highest rate in Henderson at $1041 per month.

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Cheapest Minimum Liability Car Insurance in Henderson

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Henderson are given below.

USAA provides the cheapest minimum car insurance coverage in Henderson. Their Average 6 Month Premium is $255. Allstate is the most expensive at $798 for the same period.

Cheapest Liability Coverage in Henderson, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$255	$43
Travelers	$339	$57
Kemper	$354	$59
Erie	$375	$63
State Farm	$379	$64
Nationwide	$474	$80
Progressive	$489	$82
Maryland Auto	$699	$118
Allstate	$798	$133

Cheapest Full Coverage Car Insurance in Henderson

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Henderson is Kemper at $106 per month and $624 for six months.

Cheapest Full Coverage Car Insurance Quotes in Henderson, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$624	$106
USAA	$689	$116
Travelers	$718	$121
State Farm	$793	$134
Erie	$858	$144
Nationwide	$864	$145
Progressive	$1023	$172
Allstate	$1522	$254
Maryland Auto	$2011	$342

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Average Car Insurance in Henderson by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Henderson, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Henderson, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Henderson's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Henderson

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Henderson,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Henderson at $62 per month. At $6247 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$62
Erie	$1168	$197
Travelers	$1242	$209
USAA	$1273	$214
State Farm	$1896	$319
Progressive	$2230	$375
Maryland Auto	$3403	$567
Nationwide	$3722	$627
Allstate	$6247	$1041

Teen Car Insurance Rates in MD by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Henderson, USAA is the cheapest car insurance provider. At $898 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Henderson is Allstate, offering rates of around $2330 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$898	$150
Progressive	$1003	$169
Nationwide	$1307	$220
Travelers	$1687	$286
Maryland Auto	$2011	$335
Erie	$2121	$360
State Farm	$4606	$768
Allstate	$2330	$396

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Car Insurance Rates with An Accident in Henderson

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Henderson, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Henderson

The cheapest car insurance companies after an at-fault accident in Henderson include Erie and USAA, offering $713 and $728, respectively. Allstate is an expensive provider with an average six-month premium of $2749.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$713	$120
USAA	$728	$123
Travelers	$769	$129
State Farm	$864	$145
Progressive	$1028	$173
Nationwide	$1502	$253
Maryland Auto	$2629	$438
Allstate	$2749	$468

Henderson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Henderson MD. For example, the car insurance in Henderson after a DUI increases to $948 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Henderson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1008	$168
One Med/PIP claim	$1042	$177
Not-at-fault accident	$1083	$181
One comp claim	$1088	$185
Two Med/PIP claims	$1108	$185
Failure to wear a seat belt	$1142	$194
Failure to show documents	$1173	$196
Child safety restraint	$1183	$201
Two comp claims	$1183	$197
Driving with expired registration	$1212	$206
Cell phone violation	$1227	$205
Driving too slowly	$1227	$208
Failure to stop at a red light	$1227	$205
Failure to yield	$1227	$208
Following too closely	$1227	$205
Illegal turn	$1227	$208
Improper passing	$1227	$205
Speeding 11 - 15 MPH over limit	$1227	$208
Speeding 16 - 20 MPH over limit	$1227	$205
Speeding 6 - 10 MPH over limit	$1227	$208
Texting while driving	$1227	$205
Wrong way/wrong lane	$1227	$208
Speeding in school zone	$1242	$207
At-fault accident - less than $1000	$1268	$216
Passing school bus	$1273	$212
Driving without lights	$1278	$218
Open container	$1283	$213
Operating a vehicle without permission	$1297	$221
Speeding 21 - 25 MPH over limit	$1342	$223
In 65 MPH zone	$1467	$249
At-fault accident - $1000-$2000	$1512	$252
At-fault accident - greater than $2000	$1512	$257
Reckless driving	$1726	$288
Racing	$1856	$316
Driving with a suspended license	$1886	$314
Refusal to submit to a chemical test	$1946	$331
DUI	$1956	$326
Leaving scene of an accident/hit and run	$1971	$335

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Henderson after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Henderson.

The cheapest car insurance premiums in Henderson are offered by Erie at $599 for a six-month policy. However, it can be as expensive as $2958 with companies like Maryland Auto.

Henderson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$599	$101
Travelers	$823	$139
Progressive	$1108	$186
USAA	$1212	$204
Allstate	$1592	$265
State Farm	$1896	$319
Nationwide	$2595	$437
Maryland Auto	$2958	$503

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Henderson are offered by USAA at $614. However, it can be as expensive as $2036 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Henderson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$614	$104
State Farm	$643	$108
Erie	$733	$123
Progressive	$893	$150
Travelers	$1188	$202
Nationwide	$1911	$318
Maryland Auto	$2011	$342
Allstate	$2036	$339

Car Insurance Price Trends in Henderson, Maryland

Car insurance rates in Henderson have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Henderson rose by $189 in January compared to $179 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Henderson rose to $66 in January, compared to $65 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Henderson?

The car insurance in Henderson is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Henderson?

The cheapest car insurance in Henderson is $106 per month for full coverage.

How much is car insurance in Henderson for teenagers?

Car insurance for teenagers costs $375 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Henderson?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $170 per month to insure your car in Henderson.

Is car insurance expensive in Henderson?

Car insurance can be expensive in Henderson if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Henderson can be affordable.

Cheapest Car Insurance Quotes in Henderson

Why you can trust Way?

How Much Is Car Insurance in Henderson

Avg. Car Insurance in Henderson

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Henderson

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Henderson Car Insurance Rates by Company

Cheap Car Insurance Companies in Henderson, MD

Way's key takeaways about car insurance in Henderson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Henderson

Cheapest Liability Coverage in Henderson, MD

Cheapest Full Coverage Car Insurance in Henderson

Cheapest Full Coverage Car Insurance Quotes in Henderson, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Henderson by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Henderson, MD increasing?

Car Insurance Premiums by Age in Henderson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Henderson,MD

If you are in your twenties N/A is the best choice for car insurance in Henderson.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Henderson

Cheapest Car Insurance Companies after an At-Fault Accident in Henderson

Henderson Car Insurance Rates by Violation

Henderson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Henderson after a DUI

Henderson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Henderson after Speeding ticket

Car Insurance Price Trends in Henderson, Maryland

Average Car Insurance Cost in Henderson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Henderson, MD

Car Insurance Rates by State in the USA (2025 Update)

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