Average car insurance cost in Henderson, NV

According to data from Insure.com, the average annual cost of car insurance in Henderson, Nevada is $2,331. The auto insurance rates in Henderson is $271 more than the state average and $436 more than the national average.

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City average rates	State average rates	National average cost
$2,331	$2,060	$1,895

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Henderson, the average car insurance rates by age and gender, and how much car insurance cost in Henderson depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Henderson. Keep reading to learn more.

Cheap car insurance companies in Henderson

State Farm offers the most affordable car insurance in Henderson for coverage limits of 100/300/100 at $1,696 per year.

The Geico comes close second offering car insurance at $1,919 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Henderson that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Henderson, Nevada:

Affordable car insurance providers in Henderson

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Company Name	Average annual cost	Average monthly cost
State Farm	$1,696	$141
Geico	$1,919	$160
Travelers	$2,279	$190
American Family	$2,476	$206
Mercury Insurance	$2,545	$212
Progressive	$2,840	$237
Allstate	$3,457	$288
Farmers	$3,726	$311
USAA	$1,844	$154

Read about the best car insurance companies.

Average car insurance cost in Henderson by coverage limits

In Henderson, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $895 per year (limits are 25/50/25)
• Liability only coverage: $1,365 per year (limits are 50/100/50)
• Full coverage: $2,331 per year (limits are 100/300/100)
• Non-owners coverage: $375 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Henderson

The average car insurance per year for female drivers in Henderson, Nevada, is $2,378.

Whereas the yearly average car insurance rate for male drivers is $2,286, which is $92 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Henderson

In Henderson, car insurance rates are highest for teens, averaging $8,454 per year or $705 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,779 annually for their car insurance, which is $4,675 less than what teens pay for their coverage.

In Henderson, adult drivers pay an average of $2,365 per year for car insurance, while senior drivers pay $2,396 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rates by age groups in Henderson

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Teens (16- to 19-year-olds)	Young adults (20- to 24-year-olds)	Adults (25- to 55-year-olds)	Seniors (60- to 75-year-olds)
$8,454	$3,779	$2,365	$2,396

Car insurance rate trends in Henderson

Examining car insurance rate trends in Henderson, Nevada, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of $7.

The table below shows the trend for last four years:

How car insurance rates are changing in Henderson

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2016 rates	2019 rates	2022 rates	2023 rates
$2,194	$3,048	$2,324	$2,331

Conclusion

In conclusion, the insurance rates in Henderson, are higher than the average insurance cost in Nevada. Shopping around and taking advantage of available discounts, drivers in Henderson can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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