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Car Insurance for Henderson, Nevada

Drivers in Nevada are regarded as some of the safest in the nation. Insurance companies, on the other hand, may charge out-of-state visitors' higher premiums in part because of the high settlement costs associated with car accidents caused by party-goers.

Whether you live in the city or on the outskirts, Way.com can help you get car insurance without having to give up anything. Get a free quote for car insurance in Nevada right now.

How Much Does Car Insurance Cost In Henderson?

Henderson Rates Vs Nevada Vs United States Averages

The average yearly premium for car insurance in Henderson is $2,326. This is more expensive than the state average of $1,986 as well as the $1,557 national average.

Henderson (Annual Average) Nevada (Annual Average) United States (Annual Average)
$2,326 $1,986 $1,557

Henderson Auto Insurance Premiums By Company

The General is the most affordable insurance company in Henderson, Nevada, for the average customer. Below are some of the most cost-effective insurance options available to residents of Henderson.

Insurance Company Average Annual Rate
The General $1,286
State Farm $1,686
Progressive $2,166
Farmers $2,543
Allstate $2,828

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Henderson Auto Insurance Premiums By Age Group

Teenage drivers in Henderson pay the highest insurance premiums. In Henderson, teen drivers pay $9,512 for car insurance, which is around $7,300 more than the next most expensive age group.

Age Average Annual Rate
Teenagers $9,512
20s $3,143
30s $2,316
40s $2,304
50s $2,198
60s $2,212
70s $2,884

Henderson Auto Insurance Premiums By Marital status

Most places have rates that are lower for married drivers than for single drivers because married people make fewer insurance claims. The rates for widows are also lower than the rates for single people. In Henderson, insurance rates are cheaper for widows than for single people.

Gender/Marital Status Average Annual Rate
Single $2,294
Married $2,292
Divorced $2,346
Widowed $2,288

Henderson Auto Insurance Premiums By Gender

In Henderson, your car insurance rates can be affected by your gender. But most of the time, the premiums for women are only a little bit less than those for men.

Gender/Marital Status Average Annual Rate
Female $2,468
Male $2,442

Henderson Auto Insurance Premiums By Driving Record

DUI and careless driving are two of the most expensive tickets to get. Compared to the average in the city, if a driver in Henderson is caught driving recklessly, their insurance rates will go up by $1,230 per year. If you get a DUI, your rate could go up by $1,098, and if you speed, it could go up by $646.

Incident Average Annual Rate
DWI/DUI $3,412
Reckless Driving $3,544
At-fault Accident (damages less than $1,000) $3,086
At-fault Accident (damages greater than $2,000) $3,664
Speeding Ticket (16-20 mph over speed limit) $2,944

Henderson Auto Insurance Premiums By Credit Rating

A person's credit score is often closely linked to how much they pay for car insurance. When it comes to car insurance, drivers in Henderson who raise their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save up to 55%. A great way to save money on car insurance is to move from "Very Poor" to "Fair" credit. If you can get your credit score to "Fair" in Henderson, you could save around $1,322 a year on your insurance premiums.

Credit Tier Average Annual Rate
Very Poor $4,098
Fair $2,746
Good $2,322
Very Good $2,099
Exceptional $1,866

Henderson Auto Insurance Premiums by Zip Code

The cheapest ZIP code in Henderson is 89015, with an average price of $1,799. The next cheapest is 89052, which costs an average of $1,864. At $1,912, 89074 is the most expensive ZIP code.

ZIP code Average Annual Rate
89015 $1,799
89052 $1,864
89074 $1,912

What Would Increase Your Car Insurance Rate In Henderson?

The cost of car insurance in Henderson goes up if you get a DUI or get a ticket. Auto accidents and moving violations are two of the most common reasons why insurance rates go up, but there are other reasons, too, like moving, buying a new car, or having a claim in your zip code.

Auto Theft Statistics In Henderson

In Nevada, the Las Vegas-Henderson-Paradise metro area has one of the highest rates of car theft in the U.S. According to FBI data, there were 8,564 vehicle thefts in the metro area in 2020. That's 370 for every 100,000 people, which is a lot more than the rate of 246 per 100,000 people for vehicle thefts across the country.

Theft of a motor vehicle, along with larceny and burglary, is one of three crimes that are considered property crimes. The overall property crime rate in the metro area is higher than the comparable national rate. This is mostly because the number of car thefts is higher than average. In 2020, there were 2,047 property crimes for every 100,000 people in the metro area. In the rest of the country, there were 1,958 property crimes for every 100,000 people.

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Accidents Statistics In Henderson

In Henderson, Nevada, there aren't many car accidents that kill people. In 2019, there were ten accidents that killed people, and five of them were caused by drunk drivers. There were 18 people involved in these accidents, and 10 of them died. In 2019, there were 284 accidents that killed people in Nevada.

Useful Info For Driving in Henderson

Speed limits

All drivers must follow the rules of the road in their area. Many traffic laws are the same all over the United States, but there are also many rules that are very different from one place to another. Most highways in Clark County, Nevada, have speed limits of 65 or 70 MPH, while many streets in Las Vegas have limits of 25 to 35 MPH.

Responsible driving

Nevada appreciates responsible driving. If you've had too much to drink, you should never get behind the wheel. Under state law, a driver can only have 0.08 percent alcohol in their blood if they are 21 or older, and 0.02 percent if they are under 21.

Towing

The best-case scenario is that you won't need the help of a towing company. But there's always a chance that something could go wrong. To be completely ready, you should know where cars are taken when they are towed in Henderson.

Parking

Even though it's not as bad as in some other U.S. cities, it can be hard to find a parking spot in Henderson. No one wants to drive around for half an hour hoping that a spot will open up. Before you hit the road, you should always do a little research on where you can park. This way, you can be sure that your car will have a safe place to stay.

Car Insurance Companies in Henderson

If you drive and own a car, you need auto insurance not only for your protection but also because Nevada state law requires it. These are the top car insurance companies in Henderson:

Car Insurance Companies in Henderson
Allied Liberty Mutual
Allstate Mendota
American Family Mercury
Bristol West MetLife
Capital Nationwide
Cinch Oregon Mutual
Country Plymouth Rock
Dairyland Progressive
Encompass Safeco
Farmers State Farm
Farmers Group Select Stillwater
FIMC The General
Foremost Travelers
The General USAA
Hippo Victoria
Kemper Auto  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

How much is car insurance in Henderson, NV?

Drivers in Nevada are regarded as some of the safest in the nation. The average yearly premium for car insurance in Henderson is $2,326. This is more expensive than the state average of $1,986 as well as the $1,557 national average.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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