The best cheap auto insurance companies in Henderson, Nevada.
The top choices for auto insurance in Henderson are State Farm, USAA, Geico, Travelers and Progressive. These companies have below average prices and are known for exceptional customer service and quality coverage.
Keep reading: Cheap car insurance
Unless otherwise stated, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving record.
How much does car insurance cost in Henderson, Nevada?
Our data shows that the average cost of car insurance with minimum coverage in Henderson is $128 per month or $1,530 per year. This is about 145% more than the national average $52 per month or $627 per year. Similarly, full coverage insurance expenses $258 per month or $3099 per year average, which is about 55% more expensive than the national average $167 per month or $2008 per year for full coverage.
Cheapest car insurance Liability in Henderson
State Farm offers the cheapest liability insurance with average rates of $50 per month or $598 per year. USAA is the second cheapest option in Henderson with average fares of $59 per month or $703 per year.
Liability coverage is the minimum coverage required by the state of Nevada. According to Nevada law, all drivers must either meet or exceed the following minimum insurance requirements:
$25,000 personal injury liability per person
$50,000 personal injury liability per accident
$20,000 property damage liability per accident
Although Nevada does not require uninsured motorist coverage, it is a popular type of auto insurance coverage that reduces the risk of drivers on the road. However, you’ll get the cheapest rates by only adhering to the minimum state standards.
The cheapest full coverage car insurance in Henderson
A full coverage auto insurance policy can be expensive in Henderson. Full coverage includes liability plus full coverage and collision coverage, which protect against damage to your vehicle in various situations. State Farm is the cheapest full coverage option with average rates of $126 per month or $1,507 per year.
Henderson auto insurance quotes by driver profile
Many factors can affect the cost of car insurance, so the cheapest provider for one person may be wrong for someone else. In this installment, we’ll look at how Henderson car insurance costs can change based on how old you are, your driving record, and what your credit score looks like. Henderson has different zip codes with their own average car insurance costs, so we’ll talk about those as well.
A few ways to increase access to cheap car insurance in Henderson are by increasing your deductible and by comparing quotes from insurance agencies throughout the Las Vegas region. We’d also recommend combining auto coverage with renters insurance, life insurance and home insurance if you’re a homeowner.
Henderson car insurance costs by age
Car insurance costs are highest for teenagers due to their increased chances of getting into car accidents or breaking traffic laws. Our data shows this 16 year olds I pay approx $604 per month or $7,245 per year for car insurance in Henderson.
Car insurance tends to become cheaper for drivers in their 20s, and prices continue to drop as you age. The chart below shows the average minimum cost of car insurance in Henderson by age group.
Cheapest Car Insurance in Henderson: Teen Drivers
Car insurance for teenagers is expensive, but some insurance providers tend to be more affordable than others. Our data shows that State Farm is the cheapest car insurance company for teen drivers with minimum coverage levels of $209 per month or $2,512 per year. Geico, USAA and American Family also offer affordable premiums for Henderson teens.
Henderson auto insurance costs by credit score
In many states, including Nevada, auto insurance companies may consider people’s credit scores when deciding how much to charge for coverage. If someone has a poor credit score, their car insurance will be more expensive, and the opposite is true for those with a good credit score.
Cheapest Car Insurance in Henderson: Bad Credit
Our rate data shows that Geico is the cheapest option for bad credit car insurance in Henderson. The company offers minimum coverage policies to drivers with bad credit for rates of $97 per month or $1,161 per year. That’s 24% less than the overall state average for good credit minimum coverage.
Henderson auto insurance costs according to driver’s license
People who have been issued speeding tickets, have been in car accidents, or received a DUI should expect higher car insurance premiums. On average, speeding can increase your rates by 22%, an at-fault accident by 46%, and a DUI by 81%.
While each company has different average price increases, we’ve found State Farm to be the best choice in Henderson if you have violations on your record. The table below shows average rates by company for policyholders who have a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high risk drivers
Cheapest Car Insurance in Henderson: Speeding Ticket
Let’s dive into the details of car insurance rates for high-risk drivers. According to our data, State Farm offers the cheapest auto insurance rates to drivers who have a speeding ticket on their record — $54 per month or $652 per year. USAA follows close behind with an average monthly rate of $69, while Travelers, Geico and Progressive round out the top five low-cost options speeding ticket car insurance in Henderson.
Cheapest car insurance in Henderson: at fault accident
Being in a car accident where you are responsible can cause your insurance rates to increase more than after a speeding ticket. State Farm and USAA are the cheapest options here with average prices of about $60 per month and $81 per monthrespectively.
Cheapest Car Insurance in Henderson: DUI
A DUI is a serious crime that can cause your Henderson auto insurance rates to increase by several hundred dollars each year. State Farm is extremely inexpensive compared to other companies, offering average prices from $54 per month or $652 per year for DUI drivers. Travelers, USAA, and Progressive are also good options, averaging under $148 per month.
Henderson auto insurance costs by zip code
Insurance claim rates vary in different parts of the city, which can significantly affect your insurance costs. Below you’ll notice that certain zip codes in Henderson can be up to 0.2% cheaper or more expensive than the citywide average.
Cheap Car Insurance in Henderson, NV: The Bottom Line
While auto coverage in Henderson is 34% higher than Nevada auto insurance and 145% more than the national average, there are still cheaper providers to shop around. State Farm offers the cheapest minimum and full coverage in town for $50 and $126 per month, respectively.
Compare free quotes to find the company that meets your Nevada auto insurance needs at the best price. You can compare insurance products and get quotes online or from insurance agents.
Cheapest Car Insurance in Henderson, NV: FAQ
Here are some frequently asked questions about the cheapest car insurance in Henderson, Nevada:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.