Compare Henderson, TX Car Insurance Rates (2021)

Car insurance in Henderson, TX averages $325 a month. Henderson, Texas 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, TX.

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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 USAA
  • The cheapest car insurance company in Henderson is USAA
  • Average car insurance rates in Henderson, TX are $3,896/year

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

You’ll find Henderson car insurance rates, the cheapest Henderson, TX car insurance companies, and information on Texas car insurance laws. You can also compare Henderson, Texas car insurance rates to Houston car insurance rates, San Antonio car insurance rates, and Austin car insurance rates.

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

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

How do age, gender, and marital status affect Henderson, TX car insurance rates? Every Henderson, Texas 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, Texas

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 $3,617 $3,648 $3,569 $3,569 $9,534 $11,511 $4,472 $4,659
American Family $2,489 $2,775 $2,353 $2,698 $6,736 $8,800 $3,597 $4,100
GEICO $2,583 $2,794 $2,507 $2,845 $5,677 $5,924 $2,792 $2,789
Nationwide $2,466 $2,507 $2,177 $2,305 $7,052 $9,052 $2,903 $3,140
Progressive $2,342 $2,221 $2,083 $2,124 $9,727 $10,847 $2,767 $2,804
State Farm $2,149 $2,149 $1,909 $1,909 $5,116 $6,516 $2,334 $2,410
USAA $1,682 $1,695 $1,607 $1,597 $4,731 $5,159 $2,246 $2,414

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Minimum Car Insurance in Henderson, TX

Every driver must carry the minimum car insurance in Henderson, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Henderson, Texas

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, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Henderson, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $7,084 $5,189 $4,444
American Family $5,728 $3,642 $3,210
GEICO $5,393 $3,047 $2,027
Nationwide $4,741 $3,806 $3,304
Progressive $4,918 $4,244 $3,931
State Farm $4,340 $2,697 $2,147
USAA $3,883 $2,240 $1,801

Cheapest Henderson, TX 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, TX to rates for a clean record with top companies.

Annual Henderson, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,324 $6,682 $6,960 $4,324
American Family $3,842 $4,827 $4,262 $3,842
GEICO $2,960 $3,926 $3,260 $3,809
Nationwide $3,425 $3,425 $5,080 $3,870
Progressive $3,808 $4,919 $4,448 $4,284
State Farm $2,725 $3,120 $3,677 $2,725
USAA $1,969 $2,909 $3,427 $2,261

Cheapest Henderson, TX Car Insurance for Teen Drivers

Teen car insurance in Henderson, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,534 $11,511
American Family $6,736 $8,800
GEICO $5,677 $5,924
Nationwide $7,052 $9,052
Progressive $9,727 $10,847
State Farm $5,116 $6,516
USAA $4,731 $5,159

Cheapest Henderson, TX Car Insurance for Seniors

Take a look at Henderson, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,569 $3,569
American Family $2,353 $2,698
GEICO $2,507 $2,845
Nationwide $2,177 $2,305
Progressive $2,083 $2,124
State Farm $1,909 $1,909
USAA $1,607 $1,597

Cheapest Henderson, TX Car Insurance Rates After a DUI

A DUI in Henderson, TX increases car insurance rates. Compare Henderson, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Henderson, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,960
American Family $4,262
GEICO $3,260
Nationwide $5,080
Progressive $4,448
State Farm $3,677
USAA $3,427

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Cheapest Henderson, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Henderson, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,435 $5,710
American Family $4,193 $4,193
GEICO $3,425 $3,553
Nationwide $3,950 $3,950
Progressive $4,364 $4,364
State Farm $3,062 $3,062
USAA $2,608 $2,675

Cheapest Henderson, TX 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, TX.

Annual Car Insurance Rates by ZIP Code in Henderson, Texas

ZIP Code Average Annual Rates
75652 $5,707
75654 $5,784

The Best Cheap Car Insurance Companies in Henderson, TX

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

Average Annual Car Insurance Rates by Company in Henderson, Texas

Insurance Company Average Annual Rates
Allstate $5,572
American Family $4,193
GEICO $3,489
Nationwide $3,950
Progressive $4,364
State Farm $3,062
USAA $2,641

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Category Winners: Cheapest Car Insurance in Henderson, Texas

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

Best Annual Car Insurance Rates by Company in Henderson, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

Cheapest Henderson, TX 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, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Henderson, Texas

Insurance Company Low Medium High
Allstate $5,448 $5,526 $5,743
American Family $3,855 $4,026 $4,700
GEICO $3,305 $3,444 $3,718
Nationwide $4,253 $3,780 $3,818
Progressive $4,145 $4,342 $4,606
State Farm $2,911 $3,051 $3,223
USAA $2,551 $2,630 $2,743

What affects car insurance rates in Henderson, Texas?

What factors can have an impact on Henderson, TX 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, Texas.

Car Theft in Henderson

High levels of vehicle theft can make car insurance more expensive. Henderson, TX car theft statistics from the FBI indicate 28 vehicle thefts a year.

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, TX is 21.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Henderson, TX

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

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