Cheapest car insurance companies in Henderson 

A recent data analysis by Insurance.com found the cheapest car insurance companies are State Farm and Geico in Henderson for 2023. 

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

Car insurance costs may vary in Henderson based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Henderson.

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
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Henderson by Age Group 

State Farm offers the cheapest full coverage car insurance for teenage drivers in Henderson, with an average annual cost of $4,730 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Henderson at about $2,664 per year

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Henderson is State Farm. Its average rate for a full coverage car insurance policy is $1,709 per year

State Farm is the cheapest option for senior drivers in Henderson, with an average premium of $1,694 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

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
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Henderson by driver profile 

When determining car insurance rates in Henderson, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

When it comes to finding the cheapest car insurance rates in Henderson, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Henderson drivers based on driver profile.

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Henderson drivers at about $1,537 per year

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Henderson.

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
Data refreshed as of May 2024
Read our full methodology

Based on recent data analysis, 30-year-old drivers in Henderson with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,881.

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
Data refreshed as of May 2024
Read our full methodology

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Henderson drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $2,016. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

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
Data refreshed as of May 2024
Read our full methodology

Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Henderson. On average, its annual full coverage rate is $1,881, making it a significantly cheaper option than other insurance providers.

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

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
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Henderson 

Full coverage car insurance in Henderson for a coverage limit of 100/300/100 is $2,331 per year or $194 per month, while the state minimum coverage costs an average of $895 a year.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$2,331$895
Data refreshed as of May 2024
Read our full methodology

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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