Cheapest car insurance companies in Henderson 

State Farm and Geico have the cheapest car insurance premiums for Henderson drivers in 2023, based on a data study by Insurance.com. 

State Farm offers the cheapest car insurance premium for Henderson drivers at an annual rate of $1,696 a year, on average. 

In Henderson, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
State Farm$1,696
USAA$1,844
Geico$1,919
Travelers$2,279
American Family$2,476
Mercury Insurance$2,545
Progressive$2,840
Allstate$3,457
Farmers$3,726

Cheapest car insurance cost in Henderson by Age Group 

The cheapest auto insurance company in Henderson for teen drivers is State Farm. For full coverage, its average annual rate for Henderson drivers is $4,730. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

For young drivers in Henderson, Geico has the cheapest auto insurance rates, with an average annual cost of $2,664 annually

For Henderson drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. State Farm provides the cheapest car insurance premiums, offering full coverage policies at $1,709 annually

With an average annual premium of $1,694, State Farm offers Henderson's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
State Farm$4,730$2,727$1,709$1,694
American Family$5,823$3,552$2,453$2,582
USAA$6,237$2,961$1,890$1,987
Geico$6,720$2,664$1,927$1,981
Travelers$8,182$3,605$2,332$2,476
Farmers$9,268$8,408$3,994N/A
Mercury Insurance$12,412$5,115$2,654$2,849
Allstate$12,743$5,321$3,486$3,483
Progressive$12,917$4,873$2,822$3,006
CSAA Insurance (AAA)$18,044N/AN/AN/A

Cheapest car insurance companies in Henderson by driver profile 

Insurers in Henderson consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Comparison shopping is the key to getting the cheapest car insurance rates in Henderson. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Below are some of the cheapest car insurance companies in Henderson by driver profile.

Geico has the cheapest rates for Henderson drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,537, Geico offers substantial savings among the insurers analyzed.

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Geico$1,537
Nationwide$2,418
Progressive$2,925
Travelers$3,274
State Farm$3,280
USAA$3,408
Farmers$4,831
Allstate$4,851

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Henderson. It provides full coverage car insurance for drivers aged 30 at about $1,881 per year

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
State Farm$1,881
USAA$1,927
Nationwide$2,023
Geico$2,336
Progressive$2,491
Travelers$2,946
Allstate$3,186
Farmers$3,929

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Henderson is $2,016. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$2,016
Geico$2,381
USAA$2,559
Nationwide$2,697
Travelers$2,953
Progressive$3,307
Allstate$4,120
Farmers$4,445

State Farm is the cheapest option for Henderson drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,881, on average.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$1,881
Geico$2,912
Progressive$2,977
USAA$3,461
Travelers$3,750
Nationwide$3,870
Allstate$4,630
Farmers$5,133

Average car insurance cost in Henderson 

On average, Henderson drivers pay $2,331 annually, or $194 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Henderson is $895.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.

Average annual RatesState minimum average
$2,331$895

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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