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What is the average cost of car insurance in Henderson?
The typical Henderson driver pays $2,312 per year for auto insurance. That's more than the average across Nevada ($1,974) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Henderson.
AUTO INSURANCE COSTS: HENDERSON VS. STATE AND US AVERAGES
| Henderson Average (annual) | Nevada Average | U.S. Average |
| $2,312 | $1,974 | $1,548 |
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Henderson car insurance costs by company
The difference in auto insurance rates from company to company can be substantial. In Henderson, GEICO offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Henderson. Don't forget to get car insurance quotes based on your unique driving profile.
HENDERSON AUTO INSURANCE RATES BY COMPANY
| Insurer | Average Annual Rate |
| GEICO | $1,276 |
| State Farm | $1,678 |
| Progressive | $2,140 |
| Farmers | $2,521 |
| Allstate | $2,818 |
Check out our guide to learn how to find the best cheap car insurance.
Auto insurance premiums by age in Henderson
The age group that enjoys the lowest auto insurance rates in Henderson are drivers in their 50s, who pay an average of $2,174per year. Those in their 60s don't pay significantly more ($2,203).
The Henderson drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Henderson is to age out of your teenage years. In Henderson, teenage drivers pay $9,492 — a full $7,290 more than the second-most expensive rate paid by an age group.
HENDERSON AUTO INSURANCE PREMIUMS BY DRIVER AGE
| Age tier | Average Yearly Rate |
| Teenagers | $9,492 |
| 20s | $3,121 |
| 30s | $2,299 |
| 40s | $2,292 |
| 50s | $2,174 |
| 60s | $2,203 |
| 70s | $2,863 |
Learn more about how age influences auto insurance rates.
Henderson car insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. In Henderson, married drivers pay $162 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Henderson, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is yet another factor that can affect auto insurance premiums. In Henderson, female drivers pay more for auto insurance than do male drivers: $145 per year, to be precise.
HENDERSON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
| Marital Status/Gender | Average Yearly Rate |
| Female | $2,457 |
| Male | $2,312 |
| Single | $2,151 |
| Married | $2,151 |
| Divorced | $2,312 |
| Widowed | $2,270 |
Learn more about how gender and marital status have on insurance rates.
Henderson car insurance costs by violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Henderson drivers found guilty of reckless driving face insurance rate increases of $1,213 per year, compared to the citywide average. A DUI violation may lead to a $1,083 increase, while a citation for speeding leads to a $613 rate hike.
AVERAGE HENDERSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Incident/Violation | Average Yearly Rate |
| DWI/DUI | $3,396 |
| Reckless Driving | $3,525 |
| At-fault Accident (damages less than $1,000) | $3,075 |
| At-fault Accident (damages greater than $2,000) | $3,656 |
| Speeding Ticket (16-20 mph over speed limit) | $2,925 |
Learn more about citations' impact on your auto insurance rates.
Henderson auto insurance rates by credit tier
Credit score is often closely correlated with car insurance costs. Henderson drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 55% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Henderson, improving your credit to "Fair" could help you earn $1,319 in savings on insurance premiums each year.
HENDERSON AUTO INSURANCE RATES BY CREDIT LEVEL
| Credit Tier | Average Annual Rate |
| Very Poor | $4,084 |
| Fair | $2,765 |
| Good | $2,312 |
| Very Good | $2,095 |
| Exceptional | $1,847 |
What drives up car insurance rates in Henderson?
Where you live in Henderson affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Henderson is no exception to the rule. From ZIP code 89005 to 89120, premiums rise by 43 percent—that's $573.
Expensive Henderson ZIP codes: 89014, 89074, 89123, 89122, 89120
Cheap Henderson ZIP codes: 89005, 89124, 89002, 89044, 89012
