{"id":32015,"date":"2021-06-11T16:13:04","date_gmt":"2021-06-11T23:13:04","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=32015"},"modified":"2023-03-03T17:06:10","modified_gmt":"2023-03-04T01:06:10","slug":"henderson","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/nevada\/henderson\/","title":{"rendered":"Car Insurance in Henderson"},"content":{"rendered":"<section class=\"c-section  \" id=\"default-block_60bfcf8a3799f\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Henderson began as a town that housed workers for the Hoover Dam and today is the second-largest city in Nevada. It is located near Las Vegas, making it an ideal location for those who want access to the excitement of Vegas without living directly in the city. Henderson has a growing economy and endless recreational opportunities, offering a more laid-back lifestyle full of charm and natural beauty. Home to over 300,000 residents, Henderson offers almost 300 sunny days a year and a wide variety of employment opportunities. Residents love to check out the Galleria at Sunset mall, the Green Valley Ranch Resort, and unique dining options. If you\u2019re going out, though, you need to ensure you have appropriate <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">auto insurance<\/a>.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of car insurance in Henderson is $2,312 per year.<\/li>\n<li>There are around 3,000 traffic accidents per year in Henderson.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60bfd056379a0\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Henderson?<\/h2>\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">You\u2019ll pay an average of $2,312 per year for car insurance in Henderson. This is higher than the U.S. national average of $1,548 and the Nevada state average of $1,974. A majority of this cost attributes the time people spend driving and traffic volume in the Las Vegas metro area. The exact amount you pay in Nevada car insurance depends on where you live.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Annual Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Las Vegas<\/td>\n                                                                                            <td>$2,640<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Henderson<\/td>\n                                                                                            <td>$2,312<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Carson City<\/td>\n                                                                                            <td>$1,736<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Reno<\/td>\n                                                                                            <td>$1,733<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60bfd0f2379a1\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Some of the significant factors that influence your car insurance rates include your age, zip code, type of car you drive, and driving habits. For instance, young drivers who have less experience are more prone to accidents and will pay more. You\u2019ll also want to consider your coverage limits. It\u2019s essential to have enough to pay for damages in an accident, but not so much that you break your budget.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60bfd112379a2\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Henderson Car Insurance Rates by Zip Code<\/h3>\n<p style=\"text-align: left;\">The zip code you live in has a significant impact on your car insurance. Why? Because a zip code can tell the insurer a lot about average accident rates in the area, the likely cost of other vehicles, and how common crimes like auto theft are.<\/p>\n<p style=\"text-align: left;\">Henderson has 12 zip codes, and each one may have different auto insurance rates. This may be because one area has more uninsured drivers, more expensive vehicles, or more frequent insurance claims. Here\u2019s a table showing the average cost for liability insurance in three zip codes.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Cost for Liability Only Insurance<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>89074<\/td>\n                                                                                            <td>$1,903<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89052<\/td>\n                                                                                            <td>$1,852<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>89015<\/td>\n                                                                                            <td>$1,765<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60bfd176379a3\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Henderson Car Insurance Rates by Age<\/h3>\n<p style=\"text-align: left;\">How old you are impacts your car insurance because statistics show that specific age ranges are more prone to accidents than others. For instance, when you\u2019re young and don\u2019t have much experience, you\u2019re likely to get into accidents. As you get out of your 20s, car insurance tends to go down as long as you maintain a good driving record.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Car Insurance Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$9,492<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$3,121<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$2,299<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$2,292<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$2,174<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$2,203<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$2,863<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60bfd21b379a4\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Henderson<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Henderson?<\/h3>\n<p style=\"text-align: left;\">Fortunately, the number of fatal car accidents in Henderson, NV, is low. In 2019, there were ten fatal accidents, five of which involved drunk driving. Eighteen people were involved in those accidents, and ten people were killed. By comparison, there were 284 fatal crashes in all of Nevada in 2019.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Henderson?<\/h3>\n<p style=\"text-align: left;\">In 2020, <a href=\"https:\/\/www.cityofhenderson.com\/government\/departments\/public-works\" target=\"_blank\" rel=\"noopener\">Henderson Public Works<\/a> repaired 99 miles of residential streets and removed 12.1 million pounds of pollutants from the city; 41,131 inspections were completed, and over 1,000 street work orders were finished as well.<\/p>\n<p style=\"text-align: left;\">Henderson invests heavily in its infrastructure, reviewing hundreds of traffic and drainage studies each year and completing thousands of traffic work orders.<\/p>\n<p style=\"text-align: left;\">Nevada as a whole receives a <a href=\"https:\/\/infrastructurereportcard.org\/state-item\/Nevada\/\" target=\"_blank\" rel=\"noopener\">C on infrastructure<\/a> in 2018, which is an overall improvement in the last several years. Clark County was able to levy a fuel revenue tax that allowed the area to address overdue road and bridge projects. The airports have also improved.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60bfd256379a5\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Henderson<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">In Nevada, a driver who causes an accident is responsible for paying for the damages caused. Someone injured by another driver can sue for the cost to repair their vehicle and pay for medical bills. That\u2019s why it\u2019s so important to have enough car insurance coverage.<\/p>\n<p style=\"text-align: left;\">The state minimums for Nevada are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Bodily Injury Liability: $25,000 per person, $50,000 per accident<\/li>\n<li>Property Damage Liability: $20,000 per accident<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60bfd28e379a6\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Henderson Car Insurance Rates<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">There are a lot of elements that can influence your car insurance. Each rating factor has been statistically shown to correlate with higher rates of accidents and claims.<\/p>\n<p style=\"text-align: left;\">The factors used in Nevada include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Driving record and claims history<\/li>\n<li>Physical location<\/li>\n<li>Gender<\/li>\n<li>Age<\/li>\n<li>Marital status<\/li>\n<li>Type of vehicle<\/li>\n<li>Credit score<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60bfd2db379a7\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Henderson<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">There are a lot of ways to find <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\">cheap car<\/a> insurance in Henderson<\/a>. For instance, you can take a Defensive Driver class to get a discount on your insurance. You can also bundle policies so that you get a multi-policy discount.<\/p>\n<p style=\"text-align: left;\">Other discounts include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Good student discount<\/li>\n<li>Anti-theft discount<\/li>\n<li>Good driver discount<\/li>\n<li>Military discount<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60bfd38d379a8\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Henderson?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Driving without insurance is never a good idea. If you\u2019re in an accident, you could be sued for damages. This might result in garnished wages and loss of assets.<\/p>\n<p style=\"text-align: left;\">You\u2019ll also face fines from the state if you drive without insurance. You don\u2019t have to be pulled over, either \u2014 Nevada uses live updates from insurance information on every registered car. As soon as your insurance lapses, the state will suspend your registration and send you a notice and a fine.<\/p>\n<p style=\"text-align: left;\">You\u2019ll pay a $250 fee plus $250 to reinstate your registration for a first offense. Future offenses could result in car towing, higher fines, and the requirement to <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">carry an SR-22<\/a> on your insurance.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<br>\n\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_60bfd3db379a9\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Henderson Car Insurance Quote Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/06\/Henderson.jpg\" alt=\"Water Street District sign in Henderson, Nevada\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Insurance is an essential way to protect yourself in case you cause an accident. Nevada requires insurance, and they will know right away if your coverage lapses. Don\u2019t get caught with high fines and even higher fees from a lawsuit. Get started with a quote <a href=\"#modal-turbo\">online<\/a>, or visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=Henderson%2C+NV&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Henderson office<\/a> near you. You can also call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25484,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32015"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=32015"}],"version-history":[{"count":12,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32015\/revisions"}],"predecessor-version":[{"id":42225,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32015\/revisions\/42225"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25484"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=32015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}