Affordable Car Insurance Rates in Henderson, TX (2024)
Car insurance rates in Henderson, TX are $325/month on average. By law, Texas drivers need to carry at least 30/60/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Henderson car insurance companies to get the coverage you need at the best rates available.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Henderson, TX are $325/month
- The annual number of car thefts in Henderson is 28.
- The cheapest car insurance company in Henderson for teen drivers is USAA
Average car insurance rates in Henderson, Texas are $325 a month. But with a little research you can get a great deal from the top car insurance companies in Henderson, TX. Before you buy Henderson, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.
It may even be helpful to compare Henderson car insurance rates with San Antonio car insurance rates, Austin car insurance rates, or Plano car insurance rates to make sure you’re getting the best Henderson, TX car insurance quotes available.
Need affordable Henderson, TX car insurance? Enter your ZIP code to compare Henderson car insurance quotes from multiple car insurance companies near you.
Henderson, TX Minimum Car Insurance Coverage
Henderson, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Henderson, TX Car Insurance Rates by Coverage Level
Some Henderson drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Henderson, Texas car insurance rates may be based on the coverage you need.
| 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 |
Henderson, TX Car Insurance Rates by Age, Gender, and Marital Status
Henderson, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Henderson, TX car insurance, get quotes from multiple car insurance companies in the Henderson area and see how these criteria affect your rates.
| 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 |
Henderson, TX Car Insurance Rates for Teens
How much is Henderson, Texas car insurance for teens? Compare rates from top Henderson car insurance companies below to help find the cheapest teen car insurance in Henderson, TX.
| 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 |
Henderson, TX Car Insurance Rates for Seniors
Before seniors buy Henderson, Texas car insurance, they should make sure to shop around. Some Henderson, TX car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Henderson, TX Car Insurance Rates by Credit History
How does your credit history affect Henderson, TX car insurance rates? Review the numbers here to find out.
| 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 |
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Henderson, TX Car Insurance Rates by Driver History
How does a single speeding ticket affect your Henderson, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Henderson.
| 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 |
Henderson, TX Car Insurance Rates With a DUI
Even a single DUI can increase your Henderson, TX car insurance rates. Compare rates below to see which Henderson car insurance company has the best rates for drivers with a DUI.
| 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 |
Henderson, TX Car Insurance Rates by ZIP Code
Just like Henderson car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Henderson, TX car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 75652 | $5,707 |
| 75654 | $5,784 |
Henderson, TX Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Henderson, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Henderson companies based on commute time.
| 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 |
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Henderson, TX Cheapest Car Insurance Rates
How do the top Henderson, Texas car insurance companies’ average rates stack up against the Henderson average monthly car insurance rates of $325? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Henderson, TX Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Henderson, Texas car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Henderson, TX Car Insurance Rates
Before you buy Henderson, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Henderson, TX Car Theft Rates
The car theft rate in Henderson, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Henderson, Texas is 28 stolen cars.
Henderson, TX Commute Time
How does your Henderson, TX commute time compare with the average driver? In Henderson, the average commute is 21.8 minutes.
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Henderson, TX Car Insurance Quotes
Compare Henderson, TX car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.