Henderson, NV Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Henderson, NV, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Ways to Lower the Cost of Car Insurance in Henderson, NV
The average cost of auto insurance in Henderson, NV, is $1,553,which is lower than that of neighboring places such as Clark, Whitney, Las Vegas, Sunrise Manor, and Winchester.
Multi-Car Insurance and Bundling:
It is always better to insure multiple vehicles with the same auto insurance company to improve savings. However, the amount of savings depends on the make and model of the car. The cost of insuring two vehicles in Henderson, NV, is $2,702, which helps in saving up to $404. The amounts of savings through multi-car insurance policies range between $404 and $808.
Bundling is another way of lowering the cost of auto insurance in Newark. Insurance companies provide additional discounts to those customers who insure their home, life, and auto insurances with the same company.
Deductibles:
Deductibles are one of the most common factors affecting the cost of auto insurance. Opting for a higher deductible will help in improving savings. For instance, in Henderson, the cost of auto insurance for a higher deductible ($1,000) is $1,211, while it is $1,434 for a low deductible ($500).
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Driving violations can lead to a massive increase in the cost of auto insurance and can also have a long-term impact on insurance rates. For instance, post-DUI, the cost of auto insurance in Henderson, goes up to $2,466. Other violations that can prove to be expensive include driving with an expired/suspended license, speeding, and driving a vehicle without the required permission. Being a good driver can ultimately help in reducing the cost of auto insurance.
Factors that can influence the cost of car insurance in Henderson, NV are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Henderson, NV Auto Insurance Rates
- Henderson, NV Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Henderson, NV
- Multi Vehicle Insurance Savings in Henderson, NV
- How Credit Score Affects Car Insurance Rates in Henderson, NV
- How DUI Affects Auto Insurance Premiums in Henderson, NV
- Top Auto Insurance Agents Near Henderson, NV
- How Driving Violations Affect Auto Insurance Rates in Henderson, NV
- Henderson, NV Auto Insurance Discounts on Anti Theft Feature
- Henderson, NV Auto Insurance Company Reviews
Henderson, NV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Henderson, NV with that of other cities in and around Henderson.
| Henderson | Clark | Whitney | Las Vegas | Sunrise Manor | Winchester | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,553 | $2,028 | $1,899 | $1,953 | $1,895 | $1,892 |
Henderson, NV Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Henderson, NV based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Henderson | $1,434 | $1,211 |
| Whitney | $1,063 | $898 |
| Paradise | $1,296 | $1,094 |
| Clark | $1,211 | $1,023 |
| Las Vegas | $2,262 | $1,911 |
| Enterprise | $1,485 | $1,255 |
| Winchester | $2,178 | $1,840 |
| Sunrise Manor | $929 | $785 |
Henderson, NV Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Henderson, NV usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,039 |
| 20 Years | $1,995 |
| 30 Years | $1,537 |
| 40 Years | $1,479 |
| 50 Years | $1,369 |
| 60 Years | $1,388 |
| 70 Years | $1,616 |
Henderson, NV Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Henderson, NV can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,702 | $404 |
| 3 Vehicles | $4,053 | $606 |
| 4 Vehicles | $5,404 | $808 |
Savings on 2 Vehicles bundle:$404
Savings on 3 Vehicles bundle:$606
Savings on 4 Vehicles bundle:$808
Henderson, NV Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Henderson, NV.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Henderson | $1,553 | $2,466 |
| Whitney | $1,899 | $3,016 |
| Paradise | $1,944 | $3,087 |
| Clark | $2,028 | $3,220 |
| Las Vegas | $1,953 | $3,101 |
| Enterprise | $2,001 | $3,178 |
| Winchester | $1,892 | $3,004 |
| Sunrise Manor | $1,895 | $3,009 |
Henderson, NV Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,332 |
| Excellent (740-799) | $1,521 |
| Good (670-739) | $1,618 |
| Average (580-669) | $2,111 |
| Poor (300-579) | $2,533 |
Henderson, NV Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Dino Degregorio | State Farm | 3037 W Hrzn Rg Pkwy Ste 100, Henderson, 89052-4191 | 702-982-0696 |
| Conner Family & Associates Llc | Allstate | 270 E Horizon Dr Ste 107, Henderson, 89015 | (702) 368-4112 |
| Lou Moor | Farmers | 3680 E Sunset Rd Ste 115, Las Vegas, 89120 | (702) 731-9292 |
| Cheri Walters | Farmers | 8690 S Maryland Pkwy Ste 120, Las Vegas, 89123 | (702) 785-4085 |
| Harley E Harmon Ins Agency Inc | Travelers | 4455 S PECOS RD, LAS VEGAS, 89121 | 702-735-9333 |
| Glb Insurance Group Of Nevada | Liberty Mutual Independent | 4455 S. Pecos Road , Las Vegas, 89121 | None |
| Amerisent Insurance | Liberty Mutual Independent | 6070 S EASTERN AVE STE 400, LAS VEGAS, 89119 | 702-456-1400 |
| Denis Saia | Liberty Mutual | 9005 S Pecos Road Ste 2530, Henderson, 89074 | 1-702-736-8611 |
| Kellogg And Yenchek Ins Svcs | Liberty Mutual Independent | 2510 WIGWAM PKWY STE 206, HENDERSON, 89074 | (702) 384-6601 |
Henderson, NV Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$68 | $1,621 |
| Driver's Failure In Showing Documents | +$151 | $1,704 |
| Driving With An Expired Registration | +$160 | $1,713 |
| Driving At A Considerably Slow Pace | +$337 | $1,890 |
| Using A Cellphone While Driving | +$356 | $1,909 |
| Running A Red Light | +$362 | $1,915 |
| Speeding | +$380 | $1,933 |
| Driving A Vehicle Without The Required Permission | +$483 | $2,036 |
| Driving With An Expired/Suspended License | +$1,047 | $2,600 |
Henderson, NV Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,491 |
| Active Disabling Device | $1,491 |
| Tracking Device | $1,460 |
| Passive Disabling Device | $1,444 |
Latest Auto Insurance Reviews in Henderson, NV | Back to Top
State FarmGreat company to work with. Great customer service. Low monthly payments.I have always had great experiences with my company.
Farmer's InsuranceI always recommend my insurance company and agent to anyone who is searching for insurance coverage.
AaaThe premium is much lower and deductible of our policy is identical to our prior insurer. We liked our previous insurance company but they raised our rates which is what prompted us to switch to AAA.
State Farmabout the premium and deductible of my policy compared to the other car insurances company is my insurance company is very best
AllstateThey are a little on the expensive side but they are a quality insurance and cover everything but overall I am satisfied with my deductible on my policy.
The General InsuranceSuper quick responses across all contact mediums: chat, email, phone. Customer service is knowledgeable and always looks to best suit the customer with offerings.
The General InsuranceSuper quick responses across all contact mediums: chat, email, phone. Customer service is knowledgeable and always looks to best suit the customer with offerings.
AllstateThe policy I have with my provider is very good. They are cheap and they offer a wide variety of policies. I can customize it to the way of my liking.
AaaMy insurance provider offers competitive offerings. I believe the product offered is as good as any other product that is on the market.
TravelersRecently I called to establish an additional policy to my existing policy. The person I spoke with seemed to not be very helpful in completing the task I needed done. They could only give me quotes for two other insurers since my home is not built yet and they can not inspect it. However, other companies seem to be able to just collect the information and start the policy.
State FarmI've been with State Farm for almost 40 years, as my parents had State Farm when I first started driving. I can't say much bad about them, except that the premiums are a bit high, but I do get great customer service, and they keep up with details of my account, like when I set up my Drive Safe and Save hardware, following up to make sure I received it, installed it properly, etc. I'd love a lower premium, but I've had a couple of claims, and don't qualify for those discounts right now.
EsuranceI like the ease of working with the dates for my premium. I also like that I can adjust those dates if I need to.
GeicoMy premium is the lowest one for the coverage I have, But it keeps going up every term limit.