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Get Cheap Car Insurance in Henderson, CO
We monitor insurance prices, helping the average driver in Henderson save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Henderson
The chart below shows the cheapest car insurance company in Henderson for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| Henderson Insurer | Monthly Cost |
|---|---|
| State Farm | $70 |
| Bristol West | $83 |
| Safeco Insurance | $84 |
| Geico | $87 |
Savings for Every Kind of Henderson Driver
Based on our extensive insurance data, we know the average Henderson driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $441 per year by choosing the right vehicle insurance company. Some Henderson residents are paying out over $2,057 extra every year for auto insurance in Henderson. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Henderson, CO Savings / Yr. |
|---|---|
$441 |
|
$786 |
|
$632 |
|
$676 |
|
$2,000 |
|
$530 |
|
$776 |
Henderson Car Insurance vs. Colorado
People living in Henderson pay an average of 8.84% more than the typical driver in the state. The average driver in Henderson can expect to pay about $1,202 per year, or $2,057 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Henderson for most people.
Car Insurance Prices by Henderson Neighborhood
Insurance Prices
Where is insurance cheapest within Henderson?
The map shows insurance prices in and around Henderson, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $420 per year within the city boundaries, with insurance premiums ranging from a high of $2,337 to a low of $1,917. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Henderson.Pick the Best Car Insurance Company for You in Henderson
The best car insurance provider for most drivers in Henderson
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $441 over the average Henderson car insurance company.
The best car insurance provider for Henderson drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $786 over the competition.
The best car insurance company for Henderson drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $632 better than other car insurance companies.
The best auto insurance for Henderson drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $676 less each year.
The least expensive car insurance company for new and young drivers in Henderson
In Henderson, State Farm costs young drivers $2,000 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Henderson
State Farm gave the largest car insurance discounts to married couples, averaging $530 saved each year compared to an average Henderson couple's premiums.
The cheapest car insurance in Henderson for drivers with bad credit
The best Henderson car insurance company for customer service
Recent price drops
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The cheapest large national provider in Henderson
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Henderson driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Henderson, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around Henderson
What Influences the Cost of Car Insurance in Henderson?
On average, car insurance in Henderson is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Henderson is 41 minutes, which is far more than average for a driver in the state.
- Colorado state insurance regulations may require higher prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Henderson are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Henderson is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Henderson is $100 per month for minimum coverage and $171 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Commerce City: Insurance costs 0.19% more
- Derby: Insurance costs 7.83% more
- Thornton: Insurance costs 1.31% more
- Brighton: Insurance costs 2.72% less
- Northglenn: Insurance costs 0.24% more
- Welby: Insurance costs 5.74% more
- Todd Creek: Insurance costs 7.39% less
- Federal Heights: Insurance costs 5.88% more
- Sherrelwood: Insurance costs 3.94% more
- North Washington: Insurance costs 6.61% more
Cities with Similar Populations
- Mary Esther: Insurance costs 20.90% more
- Prichard: Insurance costs 12.20% less
- Port St. John: Insurance costs 21.83% more
- Poquoson: Insurance costs 42.63% less
- Pontiac: Insurance costs 31.75% less
- Ponte Vedra Beach: Insurance costs 19.25% more
- Milton: Insurance costs 15.12% less
- Middle Valley: Insurance costs 33.40% less
- Mexico: Insurance costs 13.03% less
- Mercerville: Insurance costs 12.06% less