Henderson Car Insurance Cost – Cheapest Rates + Comparisons

• Car insurance in Henderson cost an average of $3,174 per year, or around $265 per month for full coverage.
• Henderson, NV, car insurance costs an average of $314 per year more than the Nevada state average cost ($2,860) and $898 per year more than the U.S. national average rate ($2,276).
• Auto insurance rates for a few popular models in Henderson include the Jeep Wrangler at $302 per month, Toyota Tacoma at $268, and Honda CR-V at $226.
• For cheap auto insurance in Henderson, Nevada, compact crossovers like the Kia Soul, Nissan Kicks, Buick Encore, and Volkswagen Tiguan cost less than most other models.
• Car insurance quotes in Henderson can range from as low as $32 per month for just liability insurance to over $699 per month for drivers requiring high-risk coverage.

How much is car insurance in Henderson, NV?

Average car insurance cost in Henderson is $3,174 per year, which is 33% more than the U.S. average rate of $2,276. The average cost of car insurance per month in Henderson is $265 for full coverage.

In the state of Nevada, the average car insurance cost is $2,860 per year, so the cost in Henderson averages $314 more per year. The average cost to insure a vehicle in Henderson compared to other Nevada locations is around $320 per year cheaper than in Las Vegas, $760 per year more than in Carson City, and $560 per year more expensive than in Reno.

The chart below shows average car insurance cost in Henderson broken out not only by the age of the driver, but also by three different physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average car insurance rates in the previous chart range from $2,230 per year for a high deductible policy for a 60-year-old driver to $7,430 per year for a 20-year-old driver with a low deductible policy.

When converted to a monthly cost, the average cost of car insurance per month in Henderson ranges from $186 to $619.

Henderson auto insurance rates can vary considerably and are impacted by many factors. The likelihood of a wide range of rates reinforces the need to get accurate car insurance quotes when shopping online for the cheapest car insurance.

The age of the driver is one of the biggest determining factors on the price of car insurance, so the list below illustrates this by showing the difference in average car insurance rates in Henderson for driver ages from 16 to 60.

Car insurance cost in Henderson, Nevada, for drivers age 16 to 60

• 16-year-old rated driver – $11,312 per year or $943 per month
• 17-year-old rated driver – $10,959 per year or $913 per month
• 18-year-old rated driver – $9,821 per year or $818 per month
• 19-year-old rated driver – $8,943 per year or $745 per month
• 20-year-old rated driver – $6,392 per year or $533 per month
• 30-year-old rated driver – $3,388 per year or $282 per month
• 40-year-old rated driver – $3,174 per year or $265 per month
• 50-year-old rated driver – $2,816 per year or $235 per month
• 60-year-old rated driver – $2,636 per year or $220 per month

The rates above that detailed the cost to insure teen drivers assumed a male driver. The next chart shows the average cost for car insurance for teen drivers in Henderson by gender. Female drivers tend to have cheaper car insurance rates, in particular in the teen years.

Auto insurance for a 16-year-old female in Henderson costs an average of $746 less per year than the cost for a male driver, while at age 19, the cost difference is smaller but females still pay an average of $1,380 less per year.

Most popular vehicles in Henderson, NV

The prior rates consist of an average based on every 2024 vehicle model, which is practical when making overall comparisons such as the average cost difference by driver age or location.

Average car insurance rates are great for answering questions like “is auto insurance in Henderson cheaper than Sparks?” or “are auto insurance rates in Nevada cheaper than in Arizona?”.

But for more useful car insurance comparisons, the rates will be more accurate if we compare rates for the specific vehicle being insured. Every model has it’s own exposure profile for determining how much it costs to insure it and this data allows us to make more detailed cost comparisons.

The next chart details average auto insurance rates in Henderson for popular cars, trucks, and SUVs. Later on in this article, we explore insurance cost for some of these vehicles even more in-depth.

Which cars are cheapest to insure in Henderson?

The lowest cost insurance rates in Henderson are on compact and midsize SUVs like the Mazda CX-30, Toyota C-HR, Volkswagen Atlas, and Kia Telluride. Average rates for those models are less than $273 a month for a full-coverage policy.

Some additional models that rank in the top 50 in our comparison are the Subaru Outback, the Hyundai Kona, the Toyota Tacoma, and the Ford Escape. Rates are a little more expensive for those models than the lowest cost models in the list, but they still have average rates less than $245 per month.

The table below breaks down the 50 cars, trucks, and SUVs with the cheapest insurance rates in Henderson, sorted by annual and monthly insurance cost.

A table of 50 ranked vehicles is not the most useful way to show the complete picture of Henderson insurance rates. Considering the fact that we rate over 700 vehicles, less than 7% of total vehicles are shown.

So let’s dig deeper and display the most affordable vehicles in a more useful way. The next six sections rank the top 20 vehicles with the most affordable insurance rates for the most popular vehicle segments.

Cheapest cars to insure in Henderson

Some of the more affordable non-luxury cars to insure in Henderson are the Volkswagen Golf, the Mazda 6, and the Subaru Impreza.

Some additional vehicles that landed in the top ten in the table below are the Honda Insight, Subaru Legacy, Kia Rio, and Honda Civic. These vehicles have an average cost of $3,284 per year or less to insure in Henderson. Higher rates than the top ten, but still having cheaper car insurance rates than most other vehicles at an average of $3,072 per year or less, are the Honda Accord, Volkswagen Passat, Kia Forte, and Chevrolet Malibu.

The next table details the models with the cheapest auto insurance in Henderson, ordered by annual cost.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Henderson car insurance quotes from top-rated car insurance companies in Nevada.

Cheapest SUV insurance rates in Henderson, NV

Some of the cheaper non-luxury SUVs to insure in Henderson include the Kia Sportage, the Mazda CX-3, the Toyota C-HR, and the Subaru Forester. These have an average cost of $259 per month or less to insure in Henderson with full coverage car insurance.

Some other models that rank very well when comparing annual rates are the Volkswagen Atlas, Subaru Crosstrek, Ford Edge, and Mazda CX-5. Having slightly higher insurance rates, but still better than most vehicles in Henderson, are the Kia Soul, the Hyundai Kona, the Kia Telluride, and the Jeep Compass.

The table below ranks the models with the cheapest car insurance rates in Henderson, ordered by cost.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see insurance cost for your SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Nevada.

Cheapest sports cars to insure in Henderson, Nevada

Some of the less expensive sports cars to insure in Henderson include the Mazda MX-5 Miata, the Subaru WRX, the Toyota Supra, and the Audi TT.

Some other sports cars that fair very well in our insurance cost comparison are the Porsche 718, Chevrolet Camaro, Nissan 370Z, and Subaru BRZ.

The next table lists the models with the cheapest car insurance rates in Henderson, sorted by annual and monthly insurance cost.

Looking for a different vehicle? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Henderson.

Cheapest pickup truck insurance rates in Henderson

For the midsize, full-size, and heavy duty pickup truck segments, some of the vehicles with the most affordable insurance in Henderson are the Jeep Gladiator, the Nissan Frontier, and the Chevrolet Colorado. These vehicles all cost $279 per month or less for full coverage insurance.

A few additional pickup trucks that rank close to the top in our cost comparison are the Ford F150, the GMC Sierra, the GMC Canyon, and the Toyota Tundra.

The next table shows the cheapest pickups to insure in Henderson, sorted by annual and monthly insurance cost.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see insurance cost for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Nevada.

Cheapest luxury car insurance rates in Henderson, Nevada

Out of the compact, midsize, and full-size luxury segments, some of the most affordable vehicles to insure in Henderson are the Lexus ES 350, the Acura ILX, the Acura TLX, and the Mercedes-Benz A220. The cost to insure these luxury cars with full coverage insurance in Henderson averages at or below $274 per month.

Additional luxury cars that fair very well in our insurance cost comparison are the BMW i3, the Volvo S90, the Cadillac CT4, and the BMW 330i.

Coming in out of the top ten, but still pretty affordable at $285 per month or less, are the Lexus RC 300, the Audi S3, the BMW Z4, and the Audi A3.

The next table ranks the luxury cars with the cheapest insurance rates in Henderson, sorted by annual and monthly insurance cost.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Henderson car insurance quotes from top companies in Nevada.

Cheapest luxury SUVs to insure in Henderson

For luxury SUVs, a few of the least expensive models to insure in Henderson are the Cadillac XT4, the Acura RDX, and the Volvo XC40.

Other vehicles that rank very well in our comparison are the Lexus NX 300, the Volvo XC90, the Lincoln Nautilus, and the Volvo XC60. The average cost to insure these luxury SUVs in Henderson is at or below $280 per month.

Ranked lower than the top ten, but still cheaper to insure than the majority of other luxury vehicles at $344 per month or less, are the Lexus UX 250H, the Lincoln Corsair, the Mercedes-Benz GLC300, and the Lexus RX 350.

The next table details the luxury SUVs with the cheapest insurance rates in Henderson, ordered by annual cost.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see insurance cost for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Henderson car insurance quotes from top companies in Nevada.

How to save on auto insurance in Henderson

Henderson drivers are often looking to pay less for insurance, so take a minute or two to look through the money-saving ideas in this next list and it’s very likely you can save some money.

• Increasing deductibles makes car insurance cheaper. Increasing your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Shop around. Taking a few minutes to get some free car insurance quotes could save a pile of cash. Rates are always changing and you can switch anytime.
• Compare rates before you buy the car. Different cars have very different car insurance rates, and car insurance companies can sell policies with a wide range of costs. Check prices before you buy a different car to prevent price shock when you get the bill.
• Buy vehicles that are cheaper to insure. The vehicle you drive has a significant impact on the cost of car insurance in Henderson. For example, a Honda CR-V costs $1,416 less per year to insure in Henderson than a Chevrolet Camaro. Lower performance vehicles cost less to insure.
• Excellent credit scores get the best rates. Drivers who have credit scores over 800 could save up to $498 per year when compared to a slightly lower credit score between 670-739. Conversely, a lower credit score could cost around $578 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Remove optional coverage on older vehicles. Removing physical damage coverage from older vehicles whose value has decreased can cheapen the cost to insure substantially.
• Careful drivers have lower auto insurance rates. Multiple at-fault accidents raise rates, possibly by an additional $4,536 per year for a 20-year-old driver and as much as $960 per year for a 50-year-old driver. So be a careful driver and save!