The best car insurance in Henderson, NV

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Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Car insurance premiums in Henderson cost an average of $2,447 per year, which is $310 more than the Nevada state average of $2,137 per year. Rates will vary by driver and location, but there are many ways to bring the price of car insurance down.

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By shopping around and comparing quotes, drivers can look for the cheapest rates. There’s a lot of information available that may seem overwhelming, so if you need help choosing the right insurance policy while making sure you get the right price, let Policygenius can help you.

Key Takeaways

  • GEICO has the lowest average rate in Henderson at $1,174 per year

  • The cheapest rates in Henderson based on ZIP code are in 89015

  • Liability minimums in Nevada include $25,000 bodily injury liability coverage per person and $50,000 per accident as well as $20,000 in property damage liability coverage

Cheapest car insurance companies in Henderson, NV

The cheapest car insurance companies in Henderson include State Farm and USAA, though GEICO’s average rate of $1,174 is the least expensive. Each company looks at data that tells them how much of a risk each driver could be to insure. The difference in rates comes down to how each company views that data. For example, State Farm offers a better average rate if you have a DUI, but GEICO is cheaper if you have bad credit.

Company

Average cost

JD Power Rating

GEICO

$1,174

871

State Farm

$1,443

881

USAA

$1,511

890

COUNTRY Financial

$1,829

863

Nationwide

$1,869

876

Cheapest car insurance rates by ZIP code in Henderson, NV

Location plays a big part in how much companies charge for insurance. Areas with a lot of people and cars on the road see more accidents, so high population density will raise rates for a certain ZIP code. Neighborhoods with higher rates of crime, like theft and vandalism, will likely pay more for insurance.

The cheapest ZIP code in Henderson is 89015 with an average rate of $2,329 per year, but some ZIP codes pay much more. As an example, residents in ZIP code 89074 pay an average rate of $2,594.

ZIP code

Average cost

89002

$2,334

89011

$2,473

89012

$2,398

89014

$2,527

89015

$2,329

89044

$2,419

89052

$2,499

89074

$2,594

Choosing the right car insurance company in Henderson, NV

Since not every car insurance company views drivers’ data the same way, it’s important to get quotes from a few different insurers. Not only do you want to find the cheapest rate, but you should figure out how much coverage you need to get the best policy for your situation. It’s also important to find a company with excellent customer service. If you need assistance in finding the company that provides everything you’re looking for, the experts at Policygenius can help.

Car insurance rates for drivers with driving violations in Henderson, NV

When calculating car insurance rates, companies will look at a potential customer’s recent driving record for violations and accidents. Normally, they look back from three to five years, with bigger offenses staying in your history longer than lesser violations. While tickets for running a red light or following too closely will make your premiums go up, you’ll see the biggest increase in costs for reckless driving, driving with a suspended license, or a DUI. In most cases, a non at-fault accident will have little or no impact on your rate.

Violation

GEICO

State Farm

USAA

COUNTRY Financial

Nationwide

At-fault accident

$2,148

$1,714

$2,120

$2,545

$2,993

DUI

$2,594

$1,584

$3,196

$3,197

$3,894

Suspended license

$3,460

$1,584

$2,990

$3,197

$3,894

Open container

$1,593

$1,584

$2,331

$2,434

$2,285

Expired registration

$1,260

$1,584

$1,708

$2,434

$2,285

Driving without lights

$1,593

$1,584

$1,567

$2,434

$2,285

Not showing documents

$1,260

$1,584

$1,708

$2,434

$2,285

Running a red light

$1,593

$1,584

$1,835

$2,434

$2,285

Cheapest car insurance for drivers with bad credit in Henderson, NV

Another data point that insurance companies use to determine your premium is your credit score. Some companies will take into account a bad score because studies have shown that drivers with poor credit are more likely to file an insurance claim. Drivers with good credit may be more likely to pay out of pocket for car repairs or medical bills, instead of going through their insurance.

Company

Rates for drivers with bad credit

GEICO

$1,582

American Access Casualty Company

$2,519

Nationwide

$2,762

Key Insurance

$2,859

COUNTRY Financial

$2,882

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Buying car insurance in Henderson, NV

The state of Nevada, like most other states in the country, requires all drivers to be insured when driving on public roads. States have minimum coverage requirements to protect drivers in case of accidents. A collision can lead to hefty bills — both in terms of medical costs and the cost of repairing the damage to your car. Without insurance, the responsible party would end up with a lot to pay out of pocket.

Nevada is not a “no-fault” state, which means whoever is found to have caused an accident is responsible for paying the resulting bills. To protect everyone involved, the following is the minimal amount of coverage required in the state:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $20,000

  • Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident

Personal injury protection is optional in Nevada, as are collision coverage and comprehensive coverage, but all three are worth looking into. When getting quotes from insurance companies, check to see if these optional items are affordable on your budget. Personal injury protection covers medical bills for the driver and passengers, no matter who is at fault for the accident. Similarly, collision insurance will pay for repairs to your car after an accident, even if you caused the damage. Finally, comprehensive coverage pays for anything that happens to your car when you’re not driving it, such as theft, vandalism, or damage from natural occurrences like hail or falling tree limbs. If you have extra room in your budget, consider these add-ons.

How to get cheap car insurance in Henderson, NV

The cost of auto insurance varies by driver, but there are tips everyone can use to make sure they’re getting the cheapest prices:

  • Look for a new policy every one to three years to see if you can get a lower premium from another company.

  • Get quotes from multiple insurers to compare prices and see what rates you can get for the coverage you want.

  • Ask about discounts offered by each company because you might be eligible for safe driver discounts if you have a clean driving record, military discounts if you’re a service member, bundling discounts if you buy home and auto together, and more.

Frequently asked questions

What car insurance company has the best rates in Henderson?

The cheapest average rates in Henderson are through GEICO, but that doesn’t necessarily make them the best for you. Since all insurance companies calculate their rates differently, it’s important to shop around to get the right coverage for the most affordable price.

Is Nevada a no fault or an at-fault insurance state?

Nevada is an at-fault state, which means that the driver who is at fault in an accident is responsible for paying the cost of damages caused by the accident. This is why all drivers in Nevada are required to have at least 25/50/20 in liability coverage and 25/50 uninsured motorist bodily injury coverage.

How much is car insurance per month in Nevada?

Drivers in Nevada pay an average of $2,137 per year, which breaks down to $178.08 per month. Drivers in Henderson pay $203.92 per month, which is $25.84 higher than the state average.

Why is insurance more expensive in Henderson than other Nevada cities?

While Henderson has a relatively low crime rate, it’s still the second biggest city in Nevada. Population and population density are big factors in determining the cost of insurance. The more people there are driving on the roads in a city, the more likely there is for an accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.