Best Cheap Auto Insurance in Henderson, Nevada (2023)

You can expect to pay an average of $222 for car insurance in Henderson. Liability-only coverage is the cheapest option, at an average of $167 per month, while full coverage offers more protection for a higher cost of $276 per month.

Drivers have plenty of insurance companies to choose from, however, with each offering different rates for similar coverages. Always compare quotes before buying a policy.

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Rates start as low as $167 for liability coverage

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Best car insurance companies in Henderson

You have many car insurance companies to choose from in Henderson, Nevada, but the best insurance company for you will depend on your financial situation and insurance needs. Car insurance prices vary based on factors like your location, driving history, marital status, age, and more. Here’s where you can find the best car insurance in Henderson.

Best insurer for full coverage: COUNTRY Financial

Best insurer for good drivers: GEICO

Best insurer for military families: USAA

Cheapest liability-only car insurance in Henderson

Drivers who carry liability-only car insurance typically pay less than drivers with full-coverage insurance. However, liability-only car insurance comes with risks. When you have liability insurance, your insurance company will only pay for a third party’s injuries or property damage. That means you’re responsible for your own medical expenses and property damage.

The average rate for liability-only car insurance in Henderson is $167 per month. The following table shows average liability insurance quotes from insurers serving Henderson.

Cheapest full-coverage car insurance in Henderson

Unlike liability-only insurance, full-coverage car insurance pays for your medical expenses, property damage, and any third-party expenses you incur due to an accident or collision. If you don’t have enough savings to cover your medical expenses or property damage costs after an accident, full-coverage auto insurance is likely a good fit for you.

If you lease or finance your vehicle, your leasing company or lender will likely require you to have full coverage to protect their investment in your vehicle.

The average rate for full-coverage car insurance in Henderson is $276 per month. The following table shows average full-coverage quotes from insurers serving Henderson.

Car insurance requirements in Nevada

Nevada is unique because it allows higher-than-normal speed limits and plays host to a large number of tourists each year. These factors have contributed to its higher auto insurance rates compared to other states. But like most other states, Nevada has minimum-coverage requirements for car insurance.^[1]

Nevada drivers who want more protection than the state-mandated minimums should consider purchasing the following coverages:

Collision coverage

Collision insurance covers damages to your vehicle after an accident or a collision with another object.

Comprehensive coverage

Comprehensive insurance pays for damages to your vehicle resulting from a non-collision accident, such as theft, fire, storm, or vandalism.

Medical payments coverage

Medical payments coverage pays for you and any passenger’s medical expenses from injuries in an accident.

Personal injury protection coverage

Personal injury protection covers lost wages and non-medical costs.

Uninsured/underinsured motorist coverage

Uninsured or underinsured motorist coverage provides protection for you and your property if you’re involved in an accident with an uninsured or underinsured driver.

Cheapest car insurance for drivers with an incident

Speeding tickets, driving under the influence, and at-fault accidents are incidents that can go on your driving record. Having one of these incidents on your record can increase your premium prices because insurance companies consider you a riskier driver than before the incident. Even so, you can still find cheap car insurance from some insurers.

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Rates start at $42 for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket

Insurers may not raise your rates after only one speeding ticket, but repeated offenses typically result in fines and car insurance premium increases. However, you can still find cheap car insurance with the right insurance company.

Henderson drivers with a speeding ticket face an average monthly cost of $219 for liability-only coverage. Below are the cheapest car insurance companies for drivers in Henderson with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident in Nevada, your car insurance premiums will likely increase, even if it’s your first accident. Some insurers offer accident forgiveness — but even then, the accident will go on your record and further incidents will cause rate increases.

In Henderson, drivers with at-fault accidents average $299 per month for auto insurance. Here are the cheapest car insurance companies for drivers with car accidents on their records.

Cheapest car insurance for drivers with a DUI

Driving under the influence of drugs or alcohol is a serious offense. In Nevada, the blood alcohol content (BAC) limit is 0.08 for drivers age 21 and older, 0.02 for drivers younger than 21, and 0.04 for commercial drivers.

Insurers consider drivers with a DUI to be high risk. Some car insurance companies won’t even renew your policy if you get one. If you can get car insurance, your premiums will typically be higher than drivers with less serious infractions on their records.

The overall average monthly cost of car insurance with a DUI on your license in Henderson is $344. Below are the cheapest car insurance companies for drivers in Henderson with DUIs.

Cheapest car insurance for seniors

Car insurance premiums usually decrease around age 35 as drivers gain more experienc. However, once drivers reach age 70, rates increase again. Drivers age 70 and older start to lose some cognitive abilities and start to become riskier drivers.^[2]

Henderson seniors can find liability rates as low as $24 per month. Below are the cheapest car insurance companies for senior drivers in Henderson.

Cheapest car insurance for teens

Teenage drivers are inexperienced, and because of that, it typically costs much more to insure them. Luckily, you have a few ways to lower premiums when you add teen drivers to your policy, like checking what types of discounts your car insurance company offers.

For example, many car insurance companies offer a good student discount. Keeping teens on your policy and teaching them good driving habits can also save you money on your premiums.

On average, teen drivers in Henderson pay $292 per month for liability-only coverage. Below are the cheapest car insurance companies for teenage drivers in Henderson.

How to get the cheapest car insurance in Henderson

Residents of Henderson have many ways to save money on car insurance. Some of the most reliable options include:^[3]

• Raise your deductible. Your deductible is the amount you’re responsible for before your insurance kicks in after an incident. If you raise your deductible, you can typically save money on your premiums. Just be sure to have enough money for your deductible in case of an accident.

• Find discounts. Car insurance companies offer many different types of discounts. Find one that works best with your specific situation, whether you’re a student, low-mileage driver, or a frequent commuter.

• Bundle home and auto policies. If you have homeowners insurance or another type of insurance, combine them with one insurer to save. You can sometimes bundle insurance for ATVs and boats, depending on the insurer.

• Compare quotes. It’s crucial to get quotes from at least three different insurance companies before choosing one. Insurers often offer different rates for the same coverage.

Best Cheap Car Insurance in Henderson

Comparing rates can save you up to $717 annually

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Henderson car insurance quotes by credit tier

Nevada is a state that allows insurers to consider your credit score when determining car insurance premiums. If you have an excellent or good credit score, you’ll likely spend less on car insurance than drivers with poor credit scores.

If you currently have a low credit score, you can take several steps to improve it. The amount of debt you owe, sometimes called your debt-to-credit ratio, makes up 30% of your credit score. Lowering your debt amounts can improve your score — as will making your payments on time, every time, since your payment history makes up 35% of your score.^[4]

Is car insurance more expensive in Henderson?

In Henderson, the average monthly cost of full-coverage car insurance is $222, compared to the Nevada state average of $240 and the national average of $139.

Your ZIP code is an important factor when it comes to car insurance premiums. Locations with higher crime rates have higher insurance premiums than rural areas.^[5] Henderson is a suburb of Las Vegas and, therefore, slower-paced than the busy city nearby, so Henderson drivers pay less for car insurance than Las Vegas drivers.

More cities in Nevada

Here’s how some other major Nevada cities compare to Henderson for car insurance rates:

Henderson car insurance FAQs