What is the Cheapest Car Insurance in Henderson, Nevada?

For drivers in Henderson, one of the largest things that are looked at to determine the cost of insurance is where you call home in Henderson. Cities with more crime and/or more people likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.

The following table shows the most costly cities in Nevada in which to buy car insurance. Henderson comes in at #8 with an annual rate of $1,749 for coverage, which is around $146 each month.

How much is auto insurance in Henderson, NV?
Rank City Annual Premium
1 Winchester $2,094
2 Paradise $2,061
3 Sunrise Manor $2,029
4 Spring Valley $2,000
5 Las Vegas $1,873
6 Enterprise $1,870
7 North Las Vegas $1,826
8 Henderson $1,749
9 Boulder City $1,557
10 Mesquite $1,325
11 Pahrump $1,323
12 Sun Valley $1,305
13 Reno $1,282
14 Sparks $1,265
15 Spanish Springs $1,253
16 Fernley $1,137
17 Carson City $1,124
18 Gardnerville Ranchos $1,116
19 Elko $1,114
20 Dayton $1,108
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Table data uses comparative as vehicle location can affect rates substantially.

Now that we understand where Henderson ranks price-wise, finding out which companies have the best auto insurance rates in Henderson will involve a little more work in order to find coverage that fits your budget. Each insurance company has their own formula for setting prices, so we’ll take a look at the overall cheapest auto insurance companies in Nevada.

It’s important that readers know that Henderson auto insurance rates are determined by lots of factors which can substantially change the price of coverage. Getting older, buying higher coverage limits, or getting a ticket for running a stop sign can produce rate changes resulting in some rates now being more affordable than others.

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What’s the cheapest car insurance in Nevada?
Rank Company Cost Per Year
1 Travelers $930
2 Allied $939
3 Capital $1,008
4 Oregon Mutual $1,193
5 Progressive $1,226
6 American Family $1,230
7 GEICO $1,269
8 Nationwide $1,295
9 Safeco $1,306
10 USAA $1,336
11 Farmers $1,482
12 MetLife $1,567
13 Country $1,651
14 State Farm $1,681
15 Mercury $1,771
16 Victoria $2,031
17 Liberty Mutual $2,161
18 Bristol West $2,336
19 Allstate $2,385
20 Encompass $2,710
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Travelers may offer some of the cheapest car insurance rates in Henderson at around $930 each year. Allied, Capital, Oregon Mutual, and Progressive also are some of the more affordable Henderson, NV insurance companies.

As depicted above, if you are currently insured with Progressive and switched to Allied, you might realize savings of roughly $287. Policyholders with American Family may save as much as $291 a year, and GEICO policyholders might reduce rates by $330 a year.

To compare your rates to other Nevada insurance companies, click here to get a free quote or feel free to get quotes from the companies below.

It’s important to note that these prices are averaged for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location in Henderson. So the car insurance company that is most affordable for your situation may not even be in the top 20 companies shown above. That is why you need to get quotes using your own specific driver information and vehicle.

The make and model of vehicle that is being insured is one of the largest factors that determines whether or not you find low-cost insurance in Henderson. Vehicles with reasonable performance levels, an excellent safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.

The next list ranks auto insurance prices for a handful of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Henderson, NV
Make and Model Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $2,278
Toyota Prius $2,324
Jeep Wrangler Rubicon 4WD 2-Dr $2,351
Chevrolet Impala LT $2,482
Dodge Grand Caravan Crew $2,528
Ford Escape XLT 2WD $2,571
Honda CR-V EX-L 4WD $2,633
Honda Odyssey Touring $2,656
Jeep Grand Cherokee Limited 4WD $2,662
Nissan Rogue S AWD $2,666
Toyota Tacoma 4WD $2,696
GMC Sierra 3500HD SLE Extended Cab 2WD $2,706
Chevrolet Silverado Crew Cab Hybrid 2WD $2,785
Ford Edge SE AWD $2,791
Ford Explorer XLT 4WD $2,883
Ford F-150 SVT Raptor Super Cab 4WD $2,896
Hyundai Elantra GLS 4-Dr Sedan $2,995
Chevrolet Malibu LTZ $3,048
Toyota RAV4 Sport 4WD $3,056
Nissan Altima Hybrid 4-Dr Sedan $3,048
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in zip code location which can lower or raise coverage prices significantly.

Based on these rates, you can see that makes and models like the Honda Accord, Toyota Prius, and Jeep Wrangler should be a few of the less-costly vehicles to insure for drivers in Henderson.

The information below shows how choosing a deductible can influence insurance prices when trying to find cheap insurance in Henderson. The premiums assume a married female driver, full coverage, and no discounts are applied.

A 40-year-old driver could cut expenses by $210 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $318 by using a $1,000 deductible. Even younger drivers, like the age 20 example, could possibly save up to $522 or even more just by choosing higher deductibles.

When using a larger deductible, it is important to have additional funds squirreled away to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Tips for finding economical car insurance in Henderson

It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help Henderson drivers buy more affordable auto insurance.

The last tip in the list is notably significant, as was discussed in this piece. Coverage rates change frequently, so don’t be hesitant to switch carriers if a lower-cost policy is available.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty results in overpaying money that could be used for better things. Spend a few minutes and compare rates and find cheaper car insurance in Henderson in Henderson.

If you prefer to get help from a professional when shopping for the best coverage for drivers in Henderson, the agents shown below are willing to answer your questions and help you decide which insurance coverage you need.

To find an auto insurance agency nearest to you, click the button at the bottom.

Farmers Insurance – Steven Schiebel
1590 W Horizon Ridge Pkwy #120Henderson, NV 89012(702) 451-4565

Nick Sage – State Farm Insurance Agent
780 Coronado Center Dr Ste 100Henderson, NV 89052(702) 737-7150

Carl R Forman Insurance Agency
70 E Horizon Ridge PkwyHenderson, NV 89002(702) 732-7675

Farmers Insurance – Randy Sagastume
180 S Stephanie St #120Henderson, NV 89012(702) 435-6716

Jason Spronk – State Farm Insurance Agent
900 Wigwam Pkwy #140Henderson, NV 89014(702) 564-3380

Find a Henderson, NV insurance agent near you