Best Car Insurance Rates in Henderson, Nevada

On average your neighbors pay $82 a month

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Henderson, Nevada is known as “A Place to Call Home”. If you call Henderson home, we can help you get a great rate on car insurance.

Average Henderson Car Insurance Rates

How much does car insurance cost in Las Henderson, NV? Insurance premiums in Henderson have seen big increases in recent years. If you've seen big premium increases you can thank the vehicle theft rate and poor credit ratings. You can also thank the high frequency of accidents for making insurance rates much higher here than the national average.

The average cost of car insurance in Henderson is $1,569.67 a year for men and $1,681.28 for women. The average cost of auto insurance in Nevada is $985.39 per year. The national average cost is $889.01. Prices may vary depending on your driving record and the number of claims filed in your zip code.

Nevada Average Annual Car Insurance Rates
Coverage Rates
Liability $681.56
Collision $303.86
Comprehensive $117.63
Total Cost Per Year $985.39
Price Per Month $82.11
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Nevada's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Nevada's car insurance rates increased from $904 in 2011 to $985 in 2015, a jump of $80, or 8.89 percent.

Nevada average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Henderson, Nevada. You could save up to 40% on your premium.

Last year, 12,834 people used QuoteWizard to compare auto insurance quotes in Henderson, NV from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Henderson, NV

These are the most popular car insurance companies reported by QuoteWizard users in Henderson, Nevada. 12,834 people in Henderson used QuoteWizard to find auto quotes, 1,671 of which were uninsured.

Top 10 Vehicles

These are the most popular car makes and models owned by Henderson, NV QuoteWizard users.

  1. Toyota Camry LE
  2. Ford Mustang
  3. Honda Accord EX
  4. Nissan Versa S
  5. Nissan Sentra S
  6. Nissan Altima 2.5
  7. Ford F150
  8. Ford Focus SE
  9. Toyota Prius
  10. Ford Fusion SE
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Minimum Car Insurance Requirements in Henderson, NV

Henderson, Nevada requires that all drivers carry minimum liability coverage of 25/50/20. Any car insurance policy in Nevada must have:

  • Individual Bodily Injury Liability (BIL): $25,000
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $50,000
    The total your insurer pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000
    The maximum your insurer pays for property damage caused by a car accident.

Recommended Coverage Levels

Minimum coverage handles your insurance basics, but nothing else. While minimum coverage pays for damages to other people and their property, it doesn’t cover your damages or medical bills. That’s because a minimum doesn’t include collision or comprehensive coverage. Though minimum coverage is the cheapest option, it’ll cost you quite a bit if you get into an accident.

If you want adequate coverage, we recommend the following: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Henderson Drivers

If you live in an area that has a history of accidents, it can raise your rates. Based our data reflecting accidents, speeding tickets, DUIs, and citations occurring in Nevada, the state ranks as 45th state for worst drivers. In other words, it’s the sixth best driving state in America! That’s great news for all Henderson drivers.

Driving Conditions

Weather, state of the roads, traffic, are factors that can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

Henderson has hot summers and cold winters, but not much rain or snow. That’s good news for policyholders, as rain and snow lead to risky driving conditions. But you’ll want to watch your car on the hot days and take steps so that it doesn’t overheat.

Road Conditions

A study by US News found that Nevada has the 13th best road quality in America. Henderson has extensive plans for upgrading and upkeep of their roadways. The city also makes it easy for residents to report road hazards.

Traffic Congestion

Commuting in Henderson is relatively easy. The average commute time in Henderson is 21 minutes. That’s five minutes below the national average.

Moving Violations

Tickets and accidents are a prime cause of premium increases. If you have a lot of citations, Henderson insurers might require you to purchase high-risk insurance. This always means higher rate.

Traffic Tickets

If you get a speeding ticket in Henderson, the DMV is notified. A demerit will be applied to your driving record. If you get 12 demerits within a 12-month period, your license will be suspended for 6 months. 

These points are removed after a twelve-month period, but the conviction stays on your record. And it’ll certainly lead to a car insurance rate increase. If you rack up enough citations, you might even have your coverage cancelled.  

DUI and DWAI Arrests

If you are arrested for a DUI in Henderson, penalties for a first time DUI include two day to six months in jail, an alcohol awareness program, and a 90-day license suspension.

Penalties for further DUIs include up to six years in prison, $5,000 in fines, and an ignition interlock requirement. Furthermore, our data shows drivers with DUI’s can expect to pay an average of $830 more per year for car insurance.

SR-22 DUI/DWAI Insurance

If you need to reinstate a suspended Nevada driver’s license after a DUI, you will need an SR-22.  An SR-22 is proof of your financial responsibility issued by your insurer. Henderson drivers with an SR-22 need to have the following minimum liability coverage:

  • $15,000 for the bodily injury or death of one person
  • $30,000 for the bodily injury or death of two or more people
  • $10,000 for damage to others’ property

Henderson drivers with an SR-22 are required to keep it for three years after the license suspension.

Car Accident Statistics

Nevada drivers suffer an average of 50,000 crashes per year. According to the Nevada Department of Transportation, nearly 1500 crashes happened in Henderson in 2017.

Traffic Fatalities

According to the Nevada Department of Public Safety, 195 people died in fatal crashes in Clark County in 2017. In an effort to reduce deaths on the road, Henderson is taking part in Nevada’s Zero Fatalities program.

Vehicle Theft Rates

Areas that have many car thefts are considered high-risk by insurers. This can lead to higher premiums. Henderson reported 630 auto thefts in 2016, putting it at 216.1 cars stolen per 100,000 people. This is below the national average of 236.9 cars stolen per 100,000.

Save With Car Insurance Discounts

Looking to save money on your car insurance in Henderson? There are many discount options available to get a lower rate:

  1. Install up-to-date safety features and anti-theft devices your vehicle.
  2. Do you have more than one car? See if your insurer provides a multiple car discount
  3. Shop around and compare car insurance rates in Henderson.
  4. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  5. Bundle your car insurance with your home or renters insurance. It can cut up to 15 percent off your total bill 
  6. Take a certified defensive driving course 
  7. Are you married? Insurers may offer discounts to married couples 
  8. If you live in a safe neighborhood in Henderson, you could save money 
  9. If you’re 55 or over, see if a senior citizens discount is available 
  10. Safe driving with a clean record can add up to lower rates

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