Best Henderson, Nevada Auto Insurance in 2025
The average Henderson, NV auto insurance rates are $484 per month. The minimum auto insurance in Henderson is at least 25/50/20 in coverage to comply with Nevada auto insurance laws. To find the best cheap auto insurance in Henderson, Nevada, compare quotes from multiple companies.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Scott W. Johnson
Updated September 2024
- The most expensive auto insurance company in Henderson for teen drivers is Travelers
- The average commute length in Henderson is 23.5 minutes
- The minimum auto insurance required in Henderson, Nevada is 25/50/20
Henderson, Nevada auto insurance requirements are 25/50/20 according to Nevada auto insurance laws. Finding cheap auto insurance in Henderson can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Henderson, Nevada, including driving record, credit, commute time, and more.
Compare auto insurance in Henderson to other Nevada cities, including Carson City auto insurance rates, Elko auto insurance rates, and Fernley auto insurance rates to see how Henderson, Nevada auto insurance rates stack up.
Before you buy Henderson, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Henderson, Nevada auto insurance quotes.
Minimum Auto Insurance in Henderson, Nevada
Henderson, Nevada auto insurance laws require that you have at least the Nevada minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Henderson, Nevada.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Henderson, Nevada Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Henderson, Nevada are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,813 | $3,769 | $3,560 | $3,757 | $12,665 | $15,246 | $4,049 | $4,242 |
| American Family | $3,826 | $3,826 | $3,420 | $3,420 | $12,920 | $16,869 | $3,826 | $4,371 |
| Farmers | $4,233 | $4,353 | $3,863 | $4,385 | $14,220 | $15,184 | $5,649 | $5,629 |
| Geico | $3,124 | $3,025 | $3,207 | $3,301 | $7,757 | $7,029 | $3,079 | $2,593 |
| Liberty Mutual | $3,636 | $3,938 | $3,609 | $4,096 | $16,969 | $18,953 | $4,096 | $4,265 |
| Nationwide | $2,841 | $2,898 | $2,591 | $2,746 | $7,135 | $8,541 | $3,396 | $3,621 |
| Progressive | $2,587 | $2,196 | $2,252 | $2,252 | $11,336 | $12,267 | $2,992 | $2,710 |
| State Farm | $4,229 | $4,229 | $3,852 | $3,852 | $13,199 | $16,888 | $4,742 | $5,287 |
| Travelers | $2,519 | $2,552 | $2,416 | $2,417 | $13,993 | $23,075 | $2,788 | $3,049 |
| USAA | $2,383 | $2,335 | $2,300 | $2,276 | $6,386 | $7,184 | $3,019 | $3,201 |
Cheap Henderson, Nevada Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Henderson, Nevada is a challenge. Take a look at the annual teen auto insurance rates in Henderson, Nevada.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,665 | $15,246 |
| American Family | $12,920 | $16,869 |
| Farmers | $14,220 | $15,184 |
| Geico | $7,757 | $7,029 |
| Liberty Mutual | $16,969 | $18,953 |
| Nationwide | $7,135 | $8,541 |
| Progressive | $11,336 | $12,267 |
| State Farm | $13,199 | $16,888 |
| Travelers | $13,993 | $23,075 |
| USAA | $6,386 | $7,184 |
Cheap Henderson, Nevada Auto Insurance for Seniors
What are senior auto insurance rates in Henderson, Nevada? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,560 | $3,757 |
| American Family | $3,420 | $3,420 |
| Farmers | $3,863 | $4,385 |
| Geico | $3,207 | $3,301 |
| Liberty Mutual | $3,609 | $4,096 |
| Nationwide | $2,591 | $2,746 |
| Progressive | $2,252 | $2,252 |
| State Farm | $3,852 | $3,852 |
| Travelers | $2,416 | $2,417 |
| USAA | $2,300 | $2,276 |
Cheap Henderson, Nevada Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Henderson, Nevada compared to the annual auto insurance rates with a clean record in Henderson, Nevada.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,409 | $6,382 | $7,648 | $6,111 |
| American Family | $5,269 | $7,311 | $7,873 | $5,785 |
| Farmers | $5,986 | $7,636 | $7,937 | $7,199 |
| Geico | $2,840 | $4,641 | $5,581 | $3,496 |
| Liberty Mutual | $5,431 | $8,712 | $8,750 | $6,889 |
| Nationwide | $3,392 | $4,356 | $5,430 | $3,706 |
| Progressive | $4,010 | $5,554 | $5,057 | $4,676 |
| State Farm | $6,382 | $7,688 | $7,035 | $7,035 |
| Travelers | $4,704 | $7,039 | $8,995 | $5,667 |
| USAA | $2,747 | $3,474 | $5,214 | $3,106 |
Cheap Henderson, Nevada Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Henderson, Nevada is not easy. Compare the annual rates for DUI auto insurance in Henderson, Nevada to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,648 |
| American Family | $7,873 |
| Farmers | $7,937 |
| Geico | $5,581 |
| Liberty Mutual | $8,750 |
| Nationwide | $5,430 |
| Progressive | $5,057 |
| State Farm | $7,035 |
| Travelers | $8,995 |
| USAA | $5,214 |
Cheap Henderson, Nevada Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Henderson, Nevada annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,352 | $5,856 | $4,955 |
| American Family | $8,065 | $6,223 | $5,391 |
| Farmers | $8,453 | $6,760 | $6,356 |
| Geico | $4,995 | $4,139 | $3,284 |
| Liberty Mutual | $10,705 | $6,530 | $5,101 |
| Nationwide | $4,984 | $4,118 | $3,562 |
| Progressive | $5,290 | $4,748 | $4,434 |
| State Farm | $12,817 | $5,059 | $3,228 |
| Travelers | $7,208 | $6,476 | $6,119 |
| USAA | $5,175 | $3,147 | $2,583 |
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Cheap Henderson, Nevada Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Henderson, Nevada can vary. Compare the annual cost of auto insurance by ZIP code in Henderson, Nevada to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 89002 | $5,583 |
| 89011 | $5,810 |
| 89012 | $5,687 |
| 89014 | $5,964 |
| 89015 | $5,592 |
| 89044 | $5,713 |
| 89052 | $5,986 |
| 89074 | $6,094 |
Cheap Henderson, Nevada Auto Insurance Rates By Commute
Commute length and annual mileage affect Henderson, Nevada auto insurance. Find the cheapest annual Henderson, Nevada auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,388 | $6,388 |
| American Family | $6,467 | $6,652 |
| Farmers | $7,189 | $7,189 |
| Geico | $4,065 | $4,213 |
| Liberty Mutual | $7,445 | $7,445 |
| Nationwide | $4,221 | $4,221 |
| Progressive | $4,824 | $4,824 |
| State Farm | $6,824 | $7,245 |
| Travelers | $6,601 | $6,601 |
| USAA | $3,587 | $3,683 |
Cheap Henderson, Nevada Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Henderson, Nevada? Check out the comparison of annual Henderson, Nevada auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,387 | $6,508 | $7,268 |
| American Family | $6,156 | $6,953 | $6,570 |
| Farmers | $6,413 | $7,095 | $8,060 |
| Geico | $3,642 | $4,027 | $4,750 |
| Liberty Mutual | $6,694 | $7,344 | $8,299 |
| Nationwide | $4,089 | $4,220 | $4,355 |
| Progressive | $4,097 | $4,612 | $5,764 |
| State Farm | $6,353 | $7,006 | $7,745 |
| Travelers | $5,860 | $6,616 | $7,327 |
| USAA | $3,184 | $3,593 | $4,129 |
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Best By Category: Cheapest Auto Insurance in Henderson, Nevada
Compare the cheapest auto insurance companies in Henderson, Nevada in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
The Cheapest Henderson, Nevada Auto Insurance Companies
What auto insurance companies in Henderson, Nevada are the cheapest? Compare the top Henderson, Nevada auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,388 |
| American Family | $6,560 |
| Farmers | $7,189 |
| Geico | $4,139 |
| Liberty Mutual | $7,445 |
| Nationwide | $4,221 |
| Progressive | $4,824 |
| State Farm | $7,035 |
| Travelers | $6,601 |
| USAA | $3,635 |
What affects auto insurance rates in Henderson, Nevada?
There are a lot of reasons why auto insurance rates in Henderson, Nevada are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Henderson, Nevada. Many local factors may affect your Henderson auto insurance rates.
Henderson Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Henderson, Nevada auto theft statistics, there have been 681 auto thefts in the city.
Henderson Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Henderson, Nevada commute length is 23.5 minutes according to City-Data.
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Compare Henderson, Nevada Auto Insurance Quotes
Before you buy Henderson, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Henderson, Nevada auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Henderson, Nevada?
The minimum auto insurance coverage required in Henderson, Nevada is 25/50/20, which means you need at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
How does credit history affect auto insurance rates in Henderson, Nevada?
Credit history can impact auto insurance rates in Henderson, Nevada. Generally, individuals with good credit tend to receive lower insurance premiums compared to those with poor credit. It’s recommended to maintain a good credit score to potentially qualify for lower rates.
Do auto insurance rates vary by ZIP code in Henderson, Nevada?
Yes, auto insurance rates can vary by ZIP code in Henderson, Nevada. Factors such as population density, crime rates, and accident statistics in a specific area can influence insurance premiums. It’s important to compare rates based on your ZIP code to get accurate quotes.
How does commute length affect auto insurance rates in Henderson, Nevada?
Commute length and annual mileage can affect auto insurance rates in Henderson, Nevada. Generally, longer commutes or higher annual mileage can increase the risk of accidents and, therefore, lead to higher insurance premiums. If you have a shorter commute, you may be eligible for lower rates.
Can I get auto insurance in Henderson, Nevada if I have a poor driving record or past accidents?
Yes, you can still obtain auto insurance in Henderson, Nevada even if you have a poor driving record or past accidents. However, having a history of accidents or violations may result in higher insurance rates. It’s important to disclose your driving history when applying for insurance, as providing inaccurate information can lead to coverage denial or policy cancellation.
Are there any discounts available for auto insurance in Henderson, Nevada?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premiums in Henderson, Nevada. Common discounts include safe driver discounts, good student discounts, multi-policy discounts (for bundling multiple policies), and discounts for certain safety features installed in your vehicle. It’s advisable to inquire about available discounts when shopping for auto insurance.
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