Compare Henderson, NC Car Insurance Rates (2021)

Car insurance in Henderson, NC averages $299 a month. Henderson, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Henderson car insurance rates, compare quotes from the top car insurance companies in Henderson, NC.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Henderson for teen drivers is Liberty Mutual
  • The cheapest ZIP code in Henderson is 27536
  • Average car insurance rates in Henderson, NC after a DUI are $6,827/year

If you need to buy Henderson, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Henderson, NC is right here.

You’ll find Henderson car insurance rates, the cheapest Henderson, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Henderson, North Carolina car insurance rates to Wilmington car insurance rates, Durham car insurance rates, and Concord car insurance rates.

Ready to find affordable Henderson, NC car insurance today? Enter your ZIP code for fast, free Henderson car insurance quotes.

Cheapest Henderson, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Henderson, NC car insurance rates? Every Henderson, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Henderson, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,588 $5,588 $4,600 $4,600 $13,100 $13,100 $5,698 $5,698
GEICO $2,643 $2,595 $2,592 $2,547 $4,587 $4,548 $2,332 $2,319
Liberty Mutual $1,972 $1,972 $2,041 $2,041 $3,345 $3,345 $1,972 $1,972
Nationwide $2,632 $2,632 $2,632 $2,632 $4,326 $4,326 $2,632 $2,632
Progressive $2,039 $2,039 $1,834 $1,834 $4,387 $4,387 $2,253 $2,253
State Farm $3,027 $3,027 $2,615 $2,615 $4,442 $4,442 $3,746 $3,746
Travelers $2,928 $2,928 $2,904 $2,904 $4,765 $4,765 $3,006 $3,006

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Minimum Car Insurance in Henderson, NC

Every driver must carry the minimum car insurance in Henderson, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Henderson, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Henderson, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Henderson, NC. Compare credit history car insurance rates in Henderson from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Henderson, North Carolina

Insurance Company Poor Fair Good
Allstate $9,854 $6,346 $5,539
GEICO $3,263 $3,005 $2,794
Liberty Mutual $2,333 $2,333 $2,333
Nationwide $3,055 $3,055 $3,055
Progressive $2,975 $2,565 $2,345
State Farm $4,867 $3,102 $2,404
Travelers $3,636 $3,303 $3,264

Cheapest Henderson, NC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Henderson, NC to rates for a clean record with top companies.

Annual Henderson, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,898 $6,895 $12,897 $5,295
GEICO $1,563 $2,348 $5,990 $2,180
Liberty Mutual $1,376 $1,777 $4,402 $1,777
Nationwide $1,780 $2,314 $5,812 $2,314
Progressive $1,231 $1,809 $5,716 $1,756
State Farm $1,882 $2,663 $6,622 $2,663
Travelers $2,002 $2,645 $6,354 $2,602

Cheapest Henderson, NC Car Insurance for Teen Drivers

Teen car insurance in Henderson, NC can be expensive. Take a look at rates from the top car insurance companies in Henderson for teenagers.

Annual Car Insurance Rates for Teen Drivers in Henderson, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,100 $13,100
GEICO $4,587 $4,548
Liberty Mutual $3,345 $3,345
Nationwide $4,326 $4,326
Progressive $4,387 $4,387
State Farm $4,442 $4,442
Travelers $4,765 $4,765

Cheapest Henderson, NC Car Insurance for Seniors

Take a look at Henderson, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Henderson, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,600 $4,600
GEICO $2,592 $2,547
Liberty Mutual $2,041 $2,041
Nationwide $2,632 $2,632
Progressive $1,834 $1,834
State Farm $2,615 $2,615
Travelers $2,904 $2,904

Cheapest Henderson, NC Car Insurance Rates After a DUI

A DUI in Henderson, NC increases car insurance rates. Compare Henderson, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Henderson, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,897
GEICO $5,990
Liberty Mutual $4,402
Nationwide $5,812
Progressive $5,716
State Farm $6,622
Travelers $6,354

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Cheapest Henderson, NC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Henderson, NC by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Henderson, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,246 $7,246
GEICO $3,020 $3,020
Liberty Mutual $2,333 $2,333
Nationwide $3,055 $3,055
Progressive $2,628 $2,628
State Farm $3,424 $3,492
Travelers $3,401 $3,401

Cheapest Henderson, NC Car Insurance Rates by ZIP Code

Henderson car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Henderson, NC.

Annual Car Insurance Rates by ZIP Code in Henderson, North Carolina

ZIP Code Average Annual Rates
27536 $3,241
27537 $3,255

The Best Cheap Car Insurance Companies in Henderson, NC

Take a look at a side-by-side comparison of the top car insurance companies in Henderson, NC to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Henderson, North Carolina

Insurance Company Average Annual Rates
Allstate $7,246
GEICO $3,020
Liberty Mutual $2,333
Nationwide $3,055
Progressive $2,628
State Farm $3,458
Travelers $3,401

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Category Winners: Cheapest Car Insurance in Henderson, North Carolina

Find the cheapest car insurance companies in Henderson, NC for each category right here.

Best Annual Car Insurance Rates by Company in Henderson, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

Cheapest Henderson, NC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Henderson car insurance rates. Find the cheapest Henderson, NC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Henderson, North Carolina

Insurance Company Low Medium High
Allstate $7,013 $7,224 $7,502
GEICO $2,892 $3,011 $3,158
Liberty Mutual $2,231 $2,320 $2,447
Nationwide $2,938 $3,043 $3,185
Progressive $2,512 $2,615 $2,758
State Farm $3,338 $3,443 $3,592
Travelers $3,273 $3,386 $3,544

What affects car insurance rates in Henderson, North Carolina?

What factors can have an impact on Henderson, NC car insurance? There are several reasons why Henderson car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Henderson, North Carolina.

Commute Time in Henderson

The more time you spend in your car the higher the risk of an accident. The average commute length in Henderson, NC is 21.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Henderson, NC

Ready to find affordable Henderson, North Carolina car insurance today? Enter your ZIP code for fast, free Henderson, NC car insurance quotes.

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