Car Insurance in Henderson

Create a safe harbor for your vehicle with good car insurance in Henderson for a great price. 
Compare, shop and customize quotes from top-rated insurance carriers.

Build a Hedge for Yourself With Car Insurance in Henderson

According to Data USA. approximately 144,000 of Henderson residents are part of the workforce. Of this group, 77.8% drive to work alone and an additional 7.22% carpool. Commuters spend an average of 23.7 minutes in the car on their way to work. These high percentages are surprising considering the available public transportation in Henderson. 

The Regional Transportation Commission of Southern Nevada operates multiple routes within Henderson and connects it to nearby urban centers, including Las Vegas and Boulder City. Residents can also take advantage of taxi and rideshare services. 

There is so much to see and do in the valley around Henderson that you will want to have your car available for more than commuting. Use it to drive between entertainment venues, restaurants, shopping and other activities. For a change of pace, take in the marvel of engineering that is the Hoover Dam by driving across it, or admire the view from the Lakeview Overlook. 

Average Rates in Henderson

The average rate for car insurance in Henderson is $1,225 for a six-month policy or $209 a month. This is above the national average, but you may be able to find a lower rate if you compare your options with VIU by HUB.

Rating Factors

When insurance companies offer quotes, they take a lot of different factors into account. All companies use similar rating factors, but they all weigh them differently. For example, one company might prioritize good credit while another will offer people lower rates if they don't have any claims on their record. 

  • Coverage Amount: The amount of coverage you want affects your rates. That's why a lot of people opt for minimum coverage policies. While they may leave you underinsured, this type of policy is the cheapest option. 
  • Age: Insurance companies must assess the risk of insuring someone. Because young and inexperienced drivers are more likely to have accidents or tickets, companies usually charge higher rates for them. This is a typical business practice for almost every insurance company. 
  • Credit ScoreYour credit score can count toward the rates you pay for car insurance. Drivers with lower credit scores are more likely to take risks or have insurance lapses, which means that they present a greater risk of a claim. Therefore, the lower your credit score, the higher your rates will be. 

Many companies offer discounts on auto insurance. They can be for being a safe driver, good student or member of a certain profession. Other discounts may be offered to those who bundle auto and home policies or insure multiple cars with the same insurance provider. Since you probably don't want to pass up the opportunity to save on car insurance in Henderson, be sure you are taking advantage of all available discounts. 

Shop Around To Get Great Rates

One of the best ways to find the cheapest rates on car insurance in Henderson is to compare quotes. You may be putting this off because it can be a time-consuming and challenging task. Fortunately, VIU by HUB can take care of this chore for you by allowing you to input your information only once. Within about 30 seconds you'll have several quotes from major carriers for different policies and amounts of coverage. This will allow you to choose the lowest price on the policy that works for you.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Data USA

US Census Bureau

City of Henderson

NV Department of Motor Vehicles

Auto insurance in Nevada by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.