The average cost of car insurance in Henderson, Nevada is in line with the average state price of $2,245. According to Bankrate’s 2021 study on quoted premiums, the average cost for car insurance is $1,056 for minimum coverage and $2,571 full coverage. Despite their high cost, Nevada drivers are amongst the most secure in the country. Insurance companies might charge state drivers more because of the party-going nature visitors can cause car accident settlements to cost insurance companies more.
Bankrate has teamed up with Quadrant Information Services in order to help drivers compare rates from the top providers by market share. If you are aware of the factors that you should look for, you can get car insurance rates at a fraction of the city-wide and state average.
Best Henderson car insurance companies
We compared rates and policy options to find the best Henderson car insurance . We narrowed down the list to five companies that met all of our criteria.
Geico
Geico’s average rates of minimum and full car insurance are significantly lower than any other Henderson car insurance company. The 16 discounts that Geico offers are a part of the reason. This is significantly more than most insurance companies offer. But, choosing the cheapest Henderson car insurance company does not mean that you must sacrifice service. Current policyholders are happy with the customer service and claims process. This gives the company a score of just one point below the industry average.
All over the country
Nationwide is the cheapest Henderson car insurance and offers high customer satisfaction ratings. Nationwide offers some of the best discounts for safer driving. For example, you can enroll in the Smart Ride program which tracks your driving habits. Sign-up bonuses include a 10% discount on your premiums, and up to 40% off if you drive safely. Smart Miles is a savings option that’s usage-based.
Progressive
Progressive is in the middle, with rates at $664 and $1818 per year for full and minimum coverages, respectively. This is still a good deal, as it’s well below the Henderson average for car insurance. It will save you approximately $500 each year on your basic or full coverage. Progressive customers have the option to choose from gap insurance, rideshare coverage and custom parts reimbursement. Although the optional coverages can increase your insurance premiums, it could be worthwhile, especially in the event of an accident.
State Farm
State Farm, the nation’s largest auto insurance provider, has an excellent representation of Henderson offices and agents. You can contact 21 State Farm agents located in Henderson to get a quote, answer your questions, or file a claim. State Farm is a great option if you prefer to manage your insurance online or via the mobile app. State Farm also offers two apps that can help you save money on your premiums. The Drive Safe & Save app monitors your driving habits and reduces your premiums. Steer Clear is similar but it is for younger drivers. It also includes safety tips and driving tips.
USAA
USAA is frequently the highest-scoring auto insurer in J.D. Power annual studies but its membership requirements make USAA rank-ineligible. The rates for car insurance are very low. There are some benefits that military personnel may find useful, including international car insurance coverage for those who travel with their vehicles overseas. USAA is not offered to all Henderson residents but it may be an option for active/retired military personnel, veterans and other family members.
Henderson has the lowest car insurance
Although the cheapest cars insurance companies may not be the best, Henderson offers a variety of affordable carriers that provide quality coverage and excellent customer ratings.
It is worthwhile to obtain multiple car insurance quotes. Car insurance rates may vary depending on your driving record, credit score, and location. Based on your driver profile, you may be able to find a carrier with a lower rate than Geico.
USAA is the most affordable car insurance company. However, Geico offers a discount for military personnel. Progressive, Nationwide, and State Farm have driver tracking apps that could help you save money on your car insurance. Nationwide provides a free On your Side review to help you reduce your insurance costs.
Henderson insurance requirements
Car insurance is an intelligent choice, regardless of where you live in the U.S. You must have coverage in most states. You will need Henderson’s minimum liability insurance. This is determined by Nevada’s minimum coverage.
- $25,000 per person to cover bodily injury liability
- $50,000 per accident bodily injury liability
- $20,000 to cover property damage liability
Being caught without car insurance can lead to hundreds of dollars in fines. Your driver’s licence could also be suspended. You may require more coverage depending on how you finance your vehicle. Many lenders will require you to have full-car insurance. This covers vehicle damage or replacement.
Henderson Discounts on Car Insurance
No matter which carrier you choose, you might be eligible for additional discounts that are industry-wide.
- Good driver
- Good student
- Anti-theft system
- Safety equipment for vehicles (airbags, antilock brakes)
Enrolling in drive-tracking programs could save you the most money on car insurance. Your premiums could be reduced by downloading the app or installing a telematics device that tracks your safe driving. To lower your rates, you might also consider bundling your home and renters insurance with the same carrier.
Questions frequently asked
Which is the best auto insurance company?
Based on coverage options, rates and customer reviews, the best Henderson car insurance companies may differ for every driver depending on their ZIP code. Consider doing additional research to determine how each provider compares according to your insurance needs before you make a decision.
What is the cost of Henderson car insurance?
For minimum coverage, the average car insurance cost in Henderson is $1056 per annum and for full coverage, it’s $2,571. Bankrate did find five companies that offer substantially lower rates. Remember that these average rates are just a guideline and that your final rate will be determined by your personal factors such as your driving record, age, and insurance history.
What amount of Henderson car insurance do you need?
Liability insurance must cover at least $25,000 for bodily injury per person, $50,000 per accident and $20,000 per accident. To better protect your vehicle and assets, insurance experts recommend that you purchase full coverage.