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Henderson Car Insurance

How much does car insurance cost in Henderson, NV? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Henderson?

Henderson is a famous Las Vegas suburb known for its historical role during World War II. The town provided magnesium for bomb-making, which allowed the Allies’ forces to win the war. Today, the city is renowned for its beautiful gated communities, stellar five-star sushi restaurants and fantastic strip malls. It is also home to Lake Las Vegas.

CNN Money once named Henderson one of the 100 best small cities in America. According to Nevada Business, Henderson has recreated itself as an employment center with high-wage earners, industrial growth and growing companies.

Although you can use the RTC of Southern Nevada mass transit system to get around town, most drivers will need a car to drive to local Las Vegas casinos and other attractions.

Are you a Henderson driver who needs car insurance? SmartFinancial can shop multiple rates for you at no cost. In this article, you’ll learn about the basic insurance requirements you’ll need to drive a vehicle in your city.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Nevada has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Henderson typically pay around $147.48 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Nevada $153.71
Henderson, Nevada $147.48

Henderson, NV Best Car Insurance Companies

car insurance in Henderson

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Capital Insurance Group generally has the most affordable car insurance in Henderson coming in around $109.37 per month. Other companies to consider if you live in Henderson is USAA with an average cost of $122.14 per month and Mercury Insurance which typically runs around $126.83 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Henderson.

RankCompanyAverage Monthly RateComparison State Average
1 Capital Insurance Group $109.37-28.84%
2 USAA $122.14-20.54%
3 Mercury Insurance $126.83-17.49%
4 Kemper Auto Premium $134.00-12.82%
5 State Farm $142.95-6.99%
6 Country $160.834.64%
7 Travelers $180.6917.56%
8 SAFECO $216.0640.57%
9 Metropolitan $225.2546.55%
10 Dairyland $227.7948.20%

How Much is Car Insurance in Henderson, NV?

how much is auto insurance in Henderson

Rates can vary from city to city. The residents of Carson City typically pay $78.32 per month while people who live in Henderson will pay $147.48 per month on average. See what people pay for car insurance in other cities in Nevada.

Nevada CitiesMonthly Average Rate
Carson City $78.32
Henderson $147.48
Las Vegas $168.92
North Las Vegas $170.16
Reno $102.57

Cheap Car Insurance in Henderson by Zip Codes

find cheap auto insurance in Henderson

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Nevada. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Henderson, NV ZIP CodeAverage Monthly Rate
89002$144.64
89011$153.85
89012$143.32
89014$148.42
89015$128.22
89016$299.30
89044$133.17
89052$147.21
89074$169.19

Car Insurance Rates by Driver's Age Group in Henderson

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $290.61 per month in Henderson. Compare that to drivers in their 30’s who typically pay around $126.38 per month drivers in their 40s at $111.63 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$290.61
20s$190.01
30s$126.38
40s$111.63
50s$101.61
60s$101.75
70+$128.97

Cheapest Insurance for Teenage Drivers in Henderson

If you are teen in Henderson you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Capital Insurance Group typically charges around $216.44 per month. This is likely the most affordable option in Henderson. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Capital Insurance Group$216.44
USAA$237.24
State Farm$268.38
Country$287.52
Liberty Mutual$454.83

Cheapest Insurance for 20 Year-olds in Henderson

20 year-olds in Henderson might want to consider USAA who, on average, offers car insurance rates around $155.06 per month. Capital Insurance Group , State Farm , Country and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$155.06
Capital Insurance Group$159.28
State Farm$178.81
Country$212.51
Travelers$244.29

Cheapest Insurance for 30 Year-olds in Henderson

If you are in your 30s in Henderson our research has found that Capital Insurance Group typically has the most affordable coverage coming in around $92.59 per month, followed by USAA at $109.38 and State Farm at $121.23.

CompanyAverage Monthly Rate
Capital Insurance Group$92.59
USAA$109.38
State Farm$121.23
Travelers$134.17
Country$147.56

Cheapest Insurance for 40 Year-olds in Henderson

On average, Capital Insurance Group offers car insurance for 40 year-olds in Henderson for around $99.02 per month. If you are looking for affordable coverage, you may also want to consider USAA or Mercury Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Capital Insurance Group$99.02
USAA$107.63
Mercury Insurance$126.83
State Farm$128.59
Travelers$130.28

Cheapest Insurance for 50 Year-olds in Henderson

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Henderson we found that Capital Insurance Group generally offers the most affordable coverage at $85.25 per month.

CompanyAverage Monthly Rate
Capital Insurance Group$85.25
USAA$99.18
Travelers$117.13
State Farm$120.10
Country$123.48

Cheapest Insurance for 60 Year-olds in Henderson

If you live in Henderson and you’re in your 60s, our data indicates that Capital Insurance Group usually has the best rates at $89.30 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Capital Insurance Group$89.30
USAA$114.99
Country$131.34
State Farm$131.88
Travelers$136.88

Driver's Coverage Auto Insurance Rates in Henderson, NV

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Henderson, the average monthly rate for a driver who is currently insured is $125.59 while drivers who are not currently covered will pay around $184.26.

CoverageAverage Monthly Rate
Not Currently Insured $184.26
Currently Insured $125.59

Compare Recent Car Insurance Quotes in Henderson

auto insurance quotes in Henderson city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Henderson a driver of a 2005 Ford Focus can expect to pay around $127.18 per month while someone that owns a 2020 Honda Cr-V may pay around $108.32 per month. Check out the list of recent quotes in Henderson below.

VehicleAverage Monthly Rate
2005 Ford Focus$127.18
2020 Honda Cr-V$108.32
2005 Hyundai Santa Fe$135.50
2020 Kia Sportage$152.33
2001 Ford Ranger$202.86
1999 Gmc Yukon$85.05
2019 Hyundai Elantra$105.07
1999 Dodge Intrepid$132.67
2015 Toyota Corolla$114.62
2018 Chevrolet Equinox$91.35

FAQ's for Drivers in Henderson, NV

driver’s frequently asked question in Henderson

What Is the Minimum Liability Coverage Requirement in Henderson, NV?

Every state requires drivers to have a minimum amount of liability coverage. Nevada drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; The minimum coverage amount for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage per accident; The minimum requirement to cover two or more persons hurt or killed in an accident
  • $10,000; Property damage per accident; Coverage for all damaged property in an accident caused by you

Nevada requires motorists to carry a minimum of $15,000 for bodily injury or death of one person and $30,000 for bodily injury or death of two or more persons in any one accident. Drivers must also carry $10,000 to cover property damage of others in any one accident.

Nevada may require a lower level of coverage than some other states, but it’s risky to only opt for the minimum required by law. Not only does more insurance mean greater financial protection, but most lenders require full coverage and/or a variety of optional coverages before providing financing. Consider this when calculating the cost of your car loan.

What Is the Blood Alcohol Concentration (BAC) limit in Henderson, NV?

Individuals cannot legally operate a motor vehicle in Nevada once they reach the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

While the BAC applies only to alcohol, if a detectable level of any illegal substance is found, you’ll receive the same or greater penalties as you would for alcohol.

What are the consequences of being convicted of a DUI?

First-time offenders charged with a DUI in Nevada typically have their license suspended for 90 days and incur a number of fees that can top $200 or go considerably higher depending on certain factors, including whether they are of legal drinking age and whether their BAC was 0.18 or greater. They may apply for a restricted license after 45 days.

With a BAC of 0.18 or more, or at the court’s discretion, first-time offenders may need to have a breath interlock device installed in their vehicle for up to 3 years as well. Additionally, they must attend a Nevada DUI school and may face a short jail sentence or have to fulfill community service requirements. They may also need to attend certain programs or evaluations.

Penalties increase with each subsequent DUI offense.

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Commute Time in Henderson, NV

23.2 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Henderson, NV

50

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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