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Cheap Auto Insurance Quotes in Henderson, NV (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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A suburb located southeast of Las Vegas, Henderson lets drivers enjoy a more quiet and calm driving experience compared to those in the city. Roads are usually busy, but traffic tends to be limited to rush hour. Visitors looking to get away from the activity of the Strip often head to Henderson for a bit of a reprieve, making road conditions a bit more dangerous, with many who don’t know their way around. Auto insurance in Henderson is priced reasonably, however, as rates tend to be slightly lower than the state average.
Quick Facts
- The average cost of car insurance in Henderson is $274 per month, or $3288 annually.
- Car insurance in Henderson is $62 more than the average cost of car insurance in Nevada.
- The cheapest car insurance provider in Henderson on average is Sun Coast, but you should always compare quotes to find your best personal rate.
Car Insurance in Henderson, NV
The average cost of Nevada car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Henderson, NV to find you the cheapest quotes in the area.
Quotes by Top Companies
State Farm$112
Progressive$132
Nationwide$176
The General$212
Cheapest Car Insurance in Henderson, NV
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Henderson | Quotes |
|---|---|
| State Farm | $112 /mo |
| Progressive | $132 /mo |
| Nationwide | $176 /mo |
| The General | $212 /mo |
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Best Car Insurance in Henderson, NV
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Henderson. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $227 /mo |
| Safeco | 86 | $343 /mo |
| Liberty Mutual | 82 | $390 /mo |
| Mercury | 81 | $275 /mo |
| Travelers | 80 | $223 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Nevada Cities | |
|---|---|
| Las Vegas | $194/mo |
| Reno | $118/mo |
| North Las Vegas | $221/mo |
| Sparks | $172/mo |
| Henderson | $158/mo |
| Nevada | $173/mo |
Reno$118
Henderson$158
Sparks$172
Average for NV$173
Las Vegas$194
North Las Vegas$221
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in NV
All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.
- $20,000 per accident for Property Damage (PD)
The state minimum amount of property damage liability property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Henderson Car Insurance Rates by Driver Age
For most teenagers in the Silver State, car insurance will be out of the question without some help from mom and dad. Add a little more driving experience, and young adults in their 20s can shave over $300 off the price. From there, the rate trends down below the state average of $312, although those in their 40s see a speed bump. People in their 60s, right around retirement age, see the lowest rates at $211, which is less than a third of what the youngest drivers pay.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $653 |
| 20s | $318 |
| 30s | $276 |
| 40s | $338 |
| 50s | $258 |
| 60s | $212 |
| 70s | $276 |
| 80s | $248 |
Henderson Car Insurance Rates by Driving and Accident History
It would seem that a ticket or an accident gets a driver the best rate in Henderson. But the data from the table can be misleading. Generally, the safest drivers pay the least for car insurance because they qualify for discounts such as the ones for being a good driver or accident-free. When people have violations, they often opt for the cheapest coverage they can afford, which means liability might be chosen over comprehensive and collision coverage. At $304 per month, a speeding ticket or at-fault accident will cost drivers the same in Henderson.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $307 |
| Speeding Ticket | $305 |
| At-Fault Accident | $305 |
| Failure to Stop for Red Light / Stop Sign | $264 |
Henderson Car Insurance Rates by Credit Tier
Nevadans are trying to figure out just how credit history relates to driving ability. But insurance companies in the state say they have the data, and they can use it to decide rates, according to state law. If that’s the case, why do those with poor and average credit pay less than those with good and excellent credit? Often, people with better credit can finance costlier cars and afford higher coverage to protect their assets. Moving from poor to average credit will save drivers $27 per month.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $311 |
| Good | $325 |
| Average | $244 |
| Poor | $271 |
See More: Bad Credit Car Insurance Nevada
Find local Henderson agents
Western Pacific Insurance
301 N. Pecos Road,
Henderson, NV 89074All Risk Insurance Solutions Inc
223 B South Water Street,
Henderson, NV 89015C2D Corporation LTD dba Halo Insurance Agency
2625 N Green Valley Pkwy #115,
Henderson, NV 89114Scott Goodman Insurance LLC
10120 S Eastern Ave. #248,
Henderson, NV 89052Safe and Sound Insurance Services
1575 W Horizon Ridge Pkwy,
Henderson, NV 89012-3492Tasa Insurance
7375 Commercial Way,
Henderson, NV 89011Freeway Insurance
175 N Stephanie St #120,
Henderson, NV 89074Freeway Insurance
170 N Boulder Hwy #150,
Henderson, NV 89015High Desert Insurance Agency
140 E Horizon Dr,
Henderson, NV 89015Express Auto Insurance
2837 N Green Valley Pkwy,
Henderson, NV 89014
Henderson, NV DMV Information
Having to visit the DMV can bring on a sense of dread in certain cities, but in Henderson, it’s a fairly smooth experience. One office is located in the city itself with three other locations in Las Vegas proper. Drivers in need of vehicle registration services or handicapped placards only can visit one of two AAA locations in Las Vegas as well.
Public Transportation in Henderson, NV
Despite being adjacent to a city with an unending quantity of public transportation options, residents of Henderson have fewer options than you’d think. Bus service is available throughout the city with 50 different routes, many of which operate 24 hours per day. While Uber and Lyft are popular choices, Henderson is home to a plethora of taxis as well.
Green Driving in Henderson NV
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.
The state of Nevada offers many green driver incentives, including federal tax credits, parking fee exemptions for alternative fuel vehicles, and discounts through some car insurance carriers.
Insurify's Greenest Cities
Henderson
2%% of Hybrids / Electrics
Most Patriotic City
Henderson
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Pahrump won Insurify's Most Patriotic Cities Award for the state of Nevada. Despite this designation, Pahrump is still technically an unincorporated community.
How to get the best and cheapest car insurance in Henderson, NV
If you’re used to navigating the busy streets of Las Vegas, driving in Henderson will feel like a dream come true. This part of Nevada isn’t unlike other suburban areas that feature easy-to-access roads and freeways, although as Henderson continues to grow, traffic may become more of an issue.
Car insurance can be on the higher end of the national average in Henderson, so if you’re looking to save money, head to Insurify today. After answering a few questions, you’ll be able to compare quotes from multiple companies and select the option that best meets your needs.
FAQs - Henderson, NV Car Insurance
Drivers looking to save money often opt for the minimum level of car insurance required by the state of Nevada. While you may end up cutting your premiums in half, you’ll want to consider if these savings are a smart choice. Surprisingly enough, many drivers will find that poor credit plays a larger role in rate increases compared to one at-fault accident. It’s important to check with multiple insurance companies to see how expensive your coverage will be before you enroll. Drivers tend to pay average rates for auto insurance in Henderson, as it’s a smaller city yet is adjacent to one of the most popular destinations in the United States. Individual premiums will vary based on your driving history and specific coverage needs.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Henderson Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Henderson, Nevada below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Henderson drivers measure up to their fellow motorists across Nevada in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in Henderson
#4
City with the Most Speeding Tickets Rank in Nevada
#7
City with the Most Moving Violations Rank in Nevada
#7
City with the Most DUIs Rank in Nevada
#7
City with the Most Suspended Licenses in Nevada
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Henderson drivers rank 3 in the number of car accidents per driver across all cities in Nevada.
- Rank within state: #3
- Percent of drivers in Henderson with an accident: 8.46%
- Drivers in Henderson, NV with an accident in their driving history pay on average 32.35% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nevada, Henderson drivers rank 4 in the number of speeding infractions per driver.
- Rank within state: #4
- Percent of drivers in Henderson with a speeding ticket: 5.6%
- Drivers in Henderson, NV with a speeding ticket in their driving history pay on average 30.25% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Henderson drivers rank 7 in the number of DUI’s per driver across all cities in Nevada.
- Rank within state: #7
- Percent of drivers in Henderson with a DUI: 0.82%
- Drivers in Henderson, NV with a DUI in their driving history pay on average 31.09% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Henderson is the Honda Civic.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Nevada, Henderson drivers rank 3 in rude driving infractions.
- Rank within state: #3
- Percent of drivers in Henderson with a reckless driving violation: 1.51%
- Drivers in Henderson, NV with a reckless driving violation in their driving history pay on average 39.5% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Henderson drivers rank 3 in clean driving records across all cities in Nevada.
- Rank within state: #3
- Percent of drivers in Henderson with clean record: 86.1%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Henderson drivers rank 4 in failure to yield violations per driver across all cities in Nevada.
- Rank within state: #4
- Percent of drivers in Henderson with a failure to yield violation: 0.37%
- Drivers in Henderson, NV with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Nevada, Henderson drivers rank 4 in the number of reckless driving offenses per driver.
- Rank within state: #4
- Percent of drivers in Henderson with a reckless driving offense: 0%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Henderson drivers rank 6 in hybrid and electric vehicle ownership across all cities in Nevada.
- Rank within state: #6
- Percent of drivers in Henderson with a hybrid/electric vehicle: 0.94%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.