Cheap Auto Insurance Quotes in Henderson, NV (2021)

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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.

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 Carriers
Quotes ($/mo)
$112
$132
$154
$176
$212
State FarmProgressiveAllstateNationwideThe General
Monthly $

Cheapest Car Insurance in Henderson, NV

Here are the cheapest carriers in Henderson for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Henderson. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$162
$194
$118
$221
$122
$157
NevadaLas VegasRenoNorth Las VegasSparksHenderson
Monthly $

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Henderson, NV Driving Facts

nevada

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.

Driving History
No Violation$307
Speeding Ticket$305
At-Fault Accident$305
Failure to Stop for Red Light / Stop Sign$264

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.

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.

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.

Conclusion: 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.

Find local Henderson agents

Western Pacific Insurance 
301 N. Pecos Road, Henderson, NV 89074
All Risk Insurance Solutions Inc 
223 B South Water Street, Henderson, NV 89015
C2D Corporation LTD dba Halo Insurance Agency 
2625 N Green Valley Pkwy #115, Henderson, NV 89114
Scott Goodman Insurance LLC 
10120 S Eastern Ave. #248, Henderson, NV 89052
Safe and Sound Insurance Services 
1575 W Horizon Ridge Pkwy, Henderson, NV 89012-3492
Tasa Insurance 
7375 Commercial Way, Henderson, NV 89011
Freeway Insurance
175 N Stephanie St #120, Henderson, NV 89074
Freeway Insurance
170 N Boulder Hwy #150, Henderson, NV 89015
High Desert Insurance Agency
140 E Horizon Dr, Henderson, NV 89015
Express Auto Insurance
2837 N Green Valley Pkwy, Henderson, NV 89014

Insurify Insights: How Henderson Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Henderson, NV
suspended licenses
#6
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Henderson drivers measure up to their fellow Nevada motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Henderson

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 paid on average 32.35% more than drivers with a clean record

Speeding Henderson

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 paid on average 30.25% more than drivers with a clean record

DUI/DWIs Henderson

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 paid on average 31.09% more than drivers with a clean record

Most Popular Vehicle Henderson

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.

Rude Henderson

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 paid on average 39.5% more than drivers with a clean record.

Safest Drivers Henderson

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%

Failure to Yield the Right of Way Henderson

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 paid on average --% more than drivers with a clean record

Reckless Drivers Henderson

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: --%

Hybrid/Electric Vehicle Ownership Henderson

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%

FAQs - Henderson, NV Car Insurance

Can I purchase minimum auto coverage in Henderson?

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.

How will an accident affect my auto insurance premiums in Henderson?

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.

Is car insurance cheap in Nevada?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.