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Finding the cheapest car insurance quotes in Henderson shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $1764 for a six-month policy, which is $467 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $566, 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.
At $566 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $880 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1091
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, NV is Country Financial, offering policies at just $566 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $880.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3522 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.
Way's key takeaways about car insurance in Henderson
The auto insurance costs in Henderson fall around $566 for six
months.
The cheapest auto insurance company in Henderson is Capital Insurance Group.
Teen drivers pay the highest rate in Henderson at $322 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Henderson. Their Average 6 Month Premium is $453.
Encompass is the most
expensive at $662 for the same
period.
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 Country Financial
at $94 per month and $566
for six months.
Cheapest Full Coverage Car Insurance Quotes in Henderson,
NV
Get Your Car Insurance Quote in Henderson
Instantly!
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, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Henderson, Nevada, may be increasing due to several external factors.
Nevada 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
30s
Capital Insurance Group
$611
40s
Capital Insurance Group
$570
50s
Capital Insurance Group
$564
60s
Capital Insurance Group
$539
70s
Capital Insurance Group
$544
Cheapest Car Insurance Rates for Teen Drivers in
Henderson,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Henderson at $73
per
month. At $1899 for a six-month premium,
Kemper offers the most expensive rate for
teen drivers.
If you are in your twenties Capital Insurance Group is
the best choice for car
insurance in Henderson.
As young drivers face the highest rates in Henderson, Capital Insurance Group
offers the cheapest auto insurance rates at $611 for six months.
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,
Nationwide is
the cheapest car insurance provider. At $476 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 State Farm, offering
rates of around $6924 for six
months.
Save up to $971/yr on car insurance rates in Henderson.
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, NV,
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 Capital Insurance Group
and Country Financial, offering $622
and $703,
respectively. AAA is an expensive provider
with an average six-month premium of
$6293.
Here is a list of driving violations that can increase your car
insurance rates in Henderson NV. For example, the car
insurance in Henderson
after a DUI increases to $1245 for a six
month policy. While the rate increases by $412 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
$1833
$306
One Med/PIP claim
$1833
$311
Not-at-fault accident
$1915
$320
Two Med/PIP claims
$1915
$325
One comp claim
$1923
$321
Two comp claims
$2011
$341
Failure to wear a seat belt
$2149
$358
Child safety restraint
$2157
$367
Failure to show documents
$2165
$360
Driving without lights
$2198
$374
Driving with expired registration
$2206
$367
Speeding 6 - 10 MPH over limit
$2245
$382
Speeding 11 - 15 MPH over limit
$2254
$375
Speeding 16 - 20 MPH over limit
$2254
$384
Cell phone violation
$2262
$377
Driving too slowly
$2262
$385
Speeding in school zone
$2262
$377
Texting while driving
$2270
$386
Failure to stop at a red light
$2278
$379
Failure to yield
$2278
$388
Illegal turn
$2278
$379
Following too closely
$2294
$390
Wrong way/wrong lane
$2294
$382
Improper passing
$2302
$392
In 65 MPH zone
$2343
$390
Passing school bus
$2407
$409
Speeding 21 - 25 MPH over limit
$2424
$404
At-fault accident - less than $1000
$2464
$419
Operating a vehicle without permission
$2472
$412
Open container
$2594
$441
At-fault accident - $1000-$2000
$2690
$449
At-fault accident - greater than $2000
$2690
$457
Refusal to submit to a chemical test
$2965
$494
Racing
$3070
$522
Driving with a suspended license
$3078
$513
DUI
$3078
$524
Reckless driving
$3110
$518
Leaving scene of an accident/hit and run
$3199
$544
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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 Country Financial at $566 for a six-month policy.
However, it can be as
expensive as $5364 with companies
like Farmers.
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 Country Financial
at $396. However,
it can be as expensive as $880
with companies like Amica for a similar
six-month premium.
Cheapest Car Insurance in Henderson after Speeding ticket
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
$412 in December
compared to $409 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Henderson rose to $121 in December,
compared to $117 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Henderson by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Henderson. At $1922 for a
six-month policy, insuring
your car at 89011 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
89011
$1922
$323
89044
$1887
$317
89052
$2063
$346
89074
$2046
$343
89015
$1993
$335
89014
$1975
$332
89002
$1957
$329
89012
$1957
$329
Frequently Asked Questions
How much is car insurance in Henderson?
The car insurance in Henderson is $75 per month, which is lower than the national average.
What is the cheapest car insurance in Henderson?
The cheapest car insurance in Henderson
is $94 per month
for full coverage.
How much is car insurance in Henderson for teenagers?
Car insurance for teenagers costs $428 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 $1297 for a six-month
policy. It will cost around $296 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.
What is the best car insurance in Henderson,
NV?
The best car insurance company in Henderson
NV is
Country Financial, offering $566 for a
six-month policy.
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Henderson Car Insurance
