Cheapest car insurance in Henderson, Nevada (Nov 2024)

full-coverage auto insurance

dominate the insurance market in Henderson—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.

Take a look at how Henderson drivers ranked major insurance companies below.

Insurance company	Overall rating	Price	Claims experience	Customer service
Allstate	4.7	3.7	N/A	4.3
Progressive	4.3	3.9	3.6	4.2
Geico	4	3.7	N/A	4
AAA	4	3.7	N/A	4.7
State Farm	3.2	2.7	N/A	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Henderson

All drivers in Henderson must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase

for better protection.

Cheap minimum liability insurance quotes in Henderson

Nevada’s minimum car insurance requirements

follow a 25/50/20 pattern. Here’s a breakdown of what every Henderson driver must have:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$20,000

property damage liability

per accident

Mattie (51 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89015)

Ford Escape S

$180

per month

Jason (62 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89014)

Toyota Sienna CE

$121

per month

Safeco

Mayme (37 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89014)

Nissan Sentra S

$185

per month

Nevada's car insurance laws

Fanny (54 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89012)

Audi S6 Premium Plus

$152

per month

Clearcover

Nelle (24 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89052)

Jeep Compass Latitude

$111

per month

Do you need more than minimum coverage in Henderson?

In Henderson, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.

If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.

Remember,

allow Henderson drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.

Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Henderson.

The bottom line: Drivers in Henderson should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.

Cheap full coverage car insurance quotes in Henderson

Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Henderson!

If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus

comprehensive

and

collision coverage

Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects

Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object

And if you’re financing or

leasing a car

, your lender will require this.

Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.

While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Henderson for the coverage you want.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$180	Mattie, 51 Zip: 89015	Ford Escape S
• 100,000/300,000 Liability • Comp / Collision	Travelers	$243	Emilie, 40 Zip: 89002	KIA Telluride S
• State Minimum Liability • Comp / Collision	Safeco	$300	Madge, 70 Zip: 89012	Rolls-Royce Ghost
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$207	Johnny, 48 Zip: 89074	Jaguar F-Pace Prestige
• State Minimum Liability • Comp / Collision	Bristol West	$160	Steve, 44 Zip: 89014	Hyundai Elantra SE

Last Updated Nov 22, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Henderson

After analyzing scores of insurance providers in Henderson, we have discovered that the average price for minimum liability coverage amounts to be $86 per month or $1,038 per year. Additionally, residents of Henderson can expect to pay an average of $157 per month or $1,879 per year for full coverage insurance.

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Henderson by zip code

The cost of car insurance in Henderson can greatly differ depending on your specific zip code. Each individual zip code within Henderson has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
89002	$104	$237
89011	$174	$275
89012	$134	$182
89014	$170	$271
89015	$143	$209
89044	$144	$201
89052	$193	$282
89074	$169	$211

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Car insurance quotes in Henderson by rating factors

Insurance companies in Henderson use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Henderson?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Henderson:

Cheap car insurance quotes in Henderson after driving violations

Driver violation points have a significant impact on car insurance rates

—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure

high-risk drivers

in Henderson. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big violations like a DUI or

reckless driving

Here’s how to find cheap car insurance in Henderson with driving violations on your record.

Cheapest car insurance in Henderson after speeding ticket

If you’re a Henderson driver who has received a

speeding ticket

, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.

Here’s what we mean:

The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.

5 mph over the speed limit: $100 fine + 1 point added

10 mph over the speed limit: $200 fine + 2 points added

15 mph over the speed limit: $300 fine + 2 points added

20 mph over the speed limit: $400 fine + 3 points added

21+ mph over the speed limit: $420+ fine + 4 points added

That said, the amount of your fine will depend on several factors, including:

Any previous speeding tickets

Where you were speeding (work or school zone)

How fast you were going

Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.

The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.

Regardless of the violation, Jerry helps Henderson drivers find affordable rates with great insurance companies.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$175	Timothy, 35 Zip: 89074	Ford Explorer XLT	• State Minimum Liability • Comp / Collision
Speeding 11-15	Mercury	$200	Francis, 33 Zip: 89074	Cadillac Escalade ESV Premium	• State Minimum Liability • Comp / Collision
Speeding 16-20	Safeco	$290	Carlos, 25 Zip: 89014	Honda Civic Sport	• State Minimum Liability • Comp / Collision

Last Updated Nov 23, 2024

Cheapest car insurance in Henderson after DUI

In Henderson, you’re subject to

Nevada DUI laws

, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.

If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.

Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.

On average, drivers with a DUI pay 56% more for car insurance than drivers without one.

Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Henderson drivers with major convictions land affordable insurance.

Derek (40 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89014)

RAM 1500 Sport

$279

per month

keep a clean driving record

Carrie (30 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89012)

Jeep Cherokee Sport

$498

per month

Dairyland

Rosetta (35 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89044)

Buick Encore Preferred

$277

per month

Cheapest car insurance in Henderson after an at-fault accident

A clean driving record is one of the best things a Henderson driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim.

If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.

But it’s not all bad news—work to eliminate the accidents on your record (and

in the meantime) while Jerry helps you find an affordable policy.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$91	Tillie, 40 Zip: 89015	Mitsubishi Outlander Sport SE	• State Minimum Liability
At Fault With No Injury	Travelers	$243	Sylvia, 39 Zip: 89002	KIA Telluride S	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Allstate	$276	Daniel, 71 Zip: 89014	Jeep Renegade Latitude	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$110	Ophelia, 37 Zip: 89014	Jeep Renegade Latitude	• State Minimum Liability

Last Updated Nov 18, 2024

Cheapest car insurance in Henderson after other driving violations

As a Henderson driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.

If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates in Henderson.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Dairyland	$153	Charles, 40 Zip: 89015	Nissan Altima 2.5	• State Minimum Liability
Failure to Obey Signal	Progressive	$103	Don, 40 Zip: 89052	Ford Edge SE	• State Minimum Liability
Careless Driving	Kemper	$222	Betty, 36 Zip: 89014	Mazda 3 S	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Progressive	$103	Antonio, 40 Zip: 89052	Ford Edge SE	• State Minimum Liability
Improper Passing	Safeco	$219	Effie, 61 Zip: 89002	Ford Escape S	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheap car insurance quotes in Henderson by age

In Henderson, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

For teens and seniors in Henderson, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Henderson for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Henderson. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.

If you’re a new driver in Henderson without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash.

Safeco

Glen (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Henderson, NV
(Zip Code: 89012)

Subaru WRX STI Limited

$258

per month

Clearcover

Nelle (24 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89052)

Jeep Compass Latitude

$111

per month

Mercury

Mae (23 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89014)

Chevrolet Malibu LS

$218

per month

best car insurance for seniors

Oscar (21 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89011)

Nissan Maxima S

$396

per month

Cheapest car insurance in Henderson for senior drivers

On the other end of the spectrum, we have Henderson drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.

GEICO

seems to lead the race for the

in Henderson, but using a comparison app to check out other quotes is still a good idea.

Genevieve (69 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89074)

Nissan Rogue Sport S

$322

per month

Luke (70 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89015)

Ford Focus ZX4

$74

per month

Safeco

Madge (70 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89012)

Rolls-Royce Ghost

$300

per month

Allstate

Lulu (72 years old)

Coverage

State Minimum

Henderson, NV
(Zip Code: 89014)

Jeep Renegade Latitude

$276

per month

Carlos (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Henderson, NV
(Zip Code: 89002)

Toyota Corolla LE

$278

per month

Cheap car insurance quotes in Henderson based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Albert (25 years old)

Currently Insured

Coverage

State Minimum

Henderson, NV
(Zip Code: 89002)

Toyota Avalon XL

$93

per month

Allstate

Hallie (54 years old)

Currently Insured

Coverage

State Minimum

Henderson, NV
(Zip Code: 89074)

Chevrolet Camaro LT

$205

per month

Travelers

Delia (39 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Henderson, NV
(Zip Code: 89002)

KIA Telluride S

$243

per month

How to get car insurance before buying a car

Marvin (47 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Henderson, NV
(Zip Code: 89012)

Jaguar F-Pace Prestige

$207

per month

Clearcover

Mark (32 years old)

Currently Insured

Coverage

State Minimum

Henderson, NV
(Zip Code: 89052)

Toyota RAV4 XLE

$122

per month

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Cheap car insurance quotes in Henderson for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$93	Albert, 25 Zip: 89002	Toyota Avalon XL	• State Minimum Liability
660 - 750	Safeco	$219	Sylvia, 61 Zip: 89002	Ford Escape S	• State Minimum Liability • Comp / Collision
660 - 750	National General	$148	Lola, 31 Zip: 89074	Honda Civic LX	• 15,000/30,000 Liability
550 - 659	Travelers	$123	Nicholas, 47 Zip: 89012	Jaguar F-Pace Prestige	• 50,000/100,000 Liability • Comp / Collision
< 550	Mercury	$241	Douglas, 27 Zip: 89052	Dodge Dart SE	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheap car insurance quotes in Henderson for popular cars

The make and model of your car matter a lot to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe a Henderson driver’s car is, the lower the insurance cost will be.

But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.

In Henderson, these are some of the most popular and affordable models to insure:

Honda Accord

Ford F-150

Toyota RAV4

MORE:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Accord Sport	Safeco	$203	Clara, 64 Zip: 89074	• State Minimum Liability • Comp / Collision
Toyota RAV4 LE	Progressive	$117	Marc, 28 Zip: 89074	• State Minimum Liability • Comp / Collision

Last Updated Nov 18, 2024

How to lower car insurance costs in Henderson

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts: Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Henderson?

People living in Henderson pay on average $86 per month – or $1,038 per year – on state-minimum liability coverage. Full coverage in Henderson costs on average $157 per month or $1,879 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Henderson?

Based on thousands of Henderson drivers Jerry has worked with, car insurance in Henderson costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Henderson?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.