Henderson car insurance is uniquely designed to protect drivers in the event of an auto accident that results in property damage or bodily injury. Insurance companies supply this coverage to protect drivers, passengers, pedestrians, other drivers and property from damages caused by an unexpected accident.
As with all types of insurance coverage, car insurance in Henderson protects the insured from the financial effects of lawsuits.
Understanding what type of auto insurance is needed can sometimes be the tricky part. The State of Nevada has its specific minimum requirements, but that mandatory coverage does not always meet the needs of the average driver. So, motorists must seek the assistance of professional insurance agents or websites such as this one in order to learn about what is mandated and what is actually needed for their particular situation.
Shopping for Henderson auto insurance online is one of the best ways to obtain knowledge about rates and coverage from multiple companies so that an informed decision may be made with regard to the right policy for any given individual or family.
Car Insurance Agents in Henderson
Auto insurance agents in Henderson can also assist consumers with understanding their insurance needs and then exploring policies that will be the right fit. Below you’ll find our resource listing of some of the most highly rated auto insurance carriers in the United States along with links to their agent teams, who are ready to assist residents with finding the right auto insurance in Henderson.
Allstate Insurance agent offices number a total of 40 locations in Henderson and Las Vegas with available agents to assist local drivers with their insurance needs.
Farmers Insurance maintains a network of 50 insurance agents in Henderson and Las Vegas. Their representatives also include those who can provide assistance to area residents in Spanish, Japanese, Russian, Armenian and Greek.
Henderson is home to 20 Progressive independent insurance agent offices who provide vehicle insurance for cars, motorcycles, RVs, ATVs, boats and golf carts.
State Farm offers Henderson auto insurance through their network of 50 insurance agents with office locations in Henderson and Las Vegas.
Is your agency missing from our insurance resource list? Send us an email to let us know using our contact page. Individual agent listings are only accepted via our paid feature option.
Henderson Car Insurance Rates
Henderson car insurance rates are some of the highest in the United States and over 181 percent higher than the state of Nevada according to CarInsurance.com. The average rate for auto insurance in Henderson per year is $1,904, which is pretty close to the national average of $1,998.
But the real difference in insurance expense comes when looking at Nevada average annual insurance rates compared to Henderson’s. The State of Nevada has some of the lowest rates in the entire country at an average $678 per year, but the city of Henderson’s are a whopping $1,226 higher in price.
Because of the disparity in city and state rates, Henderson motorists must shop for insurance quotes each year to make sure they are receiving the best possible pricing and to also seek additional savings if available.
Driving in Henderson
With a population of almost 258,000, Henderson is a suburb and part of the larger metro area of Las Vegas. While there is a normal amount of traffic in Henderson, everything is situated pretty close together so getting from one place to another is not that difficult. Traffic on most of the highways and surface streets move along fairly steadily, and the area where most heavy grid lock occurs is going into and coming out of Las Vegas, especially between the hours of 4 and 6:30 p.m.
As a matter of fact, heavy traffic is experienced more in the traffic corridor between Las Vegas and Paradise, which are both north of Henderson. The INRIX National Traffic Scorecard ranked this metro area as 35th in the country for traffic.
Fortunately, most of this traffic dies down as you move south out of Paradise. Driver safety in Henderson is fairly average. In Allstate’s study of 200 cities, they ranked Henderson at 97th for safe drivers in the 2011 Best Drivers Report.
Henderson shares Clark County with the metro area of Las Vegas, and Clark County did rank as the worst county in the State of Nevada for car accidents resulting in death. In 2010 Clark County experienced 148 traffic fatalities according to the National Highway Traffic Safety Administration. A majority of these fatalities were caused by speeding and intersection crashes. Only 38 of the 148 involved alcohol impaired drivers.
The City of Henderson in cooperation with the Regional Transportation Commission of Southern Nevada hosts FAST traffic cameras that offer real time traffic reports for Henderson and surrounding cities. The site shows live streams of road conditions so that drivers may plan alternate routes for those streets that are experiencing heavy traffic volume, accidents, construction or road closure.
Nevada Auto Insurance Laws
The State of Nevada has very strict laws concerning insuring vehicles. All drivers are required to maintain Nevada car insurance, and the state uses electronic validation to continually check liability insurance coverage on vehicles in the state. The Nevada auto insurance laws also establish minimum liability limits that each driver should carry for bodily injury and property damage although most insurers will tell you that these are only guidelines for coverage and most drivers will require higher policy limits as well as comprehensive and/or collision in order to fully protect themselves from the financial costs associated with a traffic accident. Uninsured drivers face fines between $250 and $1,750 as well as license suspension.
Henderson Car Insurance Quotes
There are many ways to save on Henderson car insurance without having to sacrifice the level of protection you need. Online insurance quoting sites such as this one allow you to comparison shop so that you can find auto insurance in Henderson that meets your budget without having to cut corners on the coverage itself. Within minutes, you can be reviewing multiple quotes from a variety of top rated insurance companies. Simply input your zip code below to obtain free insurance quotes right now.