Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Henderson, NC are $299/month
  • Average car insurance rates in Henderson, NC for senior drivers are $2,742/year
  • The cheapest car insurance company in Henderson for teen drivers is Liberty Mutual

Average car insurance rates in Henderson, North Carolina are $299 a month. But with a little research you can get a great deal from the top car insurance companies in Henderson, NC. Before you buy Henderson, North Carolina car insurance, make sure your coverage meets or exceeds the North Carolina minimum of 30/60/25.

It may even be helpful to compare Henderson car insurance rates with High Point car insurance rates, Raleigh car insurance rates, or Durham car insurance rates to make sure you’re getting the best Henderson, NC car insurance quotes available.

Need affordable Henderson, NC car insurance? Enter your ZIP code to compare Henderson car insurance quotes from multiple car insurance companies near you.

Henderson, NC Minimum Car Insurance Coverage

Henderson, North Carolina law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

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

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Henderson, NC Car Insurance Rates by Coverage Level

Some Henderson drivers can get by with the North Carolina minimum coverage of 30/60/25. Other drivers may need more. See how much your Henderson, North Carolina car insurance rates may be based on the coverage you need.

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

Henderson, NC Car Insurance Rates by Age, Gender, and Marital Status

Henderson, North Carolina car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Henderson, NC car insurance, get quotes from multiple car insurance companies in the Henderson area and see how these criteria affect your 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

Henderson, NC Car Insurance Rates for Teens

How much is Henderson, North Carolina car insurance for teens? Compare rates from top Henderson car insurance companies below to help find the cheapest teen car insurance in Henderson, NC.

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

Henderson, NC Car Insurance Rates for Seniors

Before seniors buy Henderson, North Carolina car insurance, they should make sure to shop around. Some Henderson, NC car insurance companies may offer discounts or other savings options for senior car insurance.

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

Henderson, NC Car Insurance Rates by Credit History

How does your credit history affect Henderson, NC car insurance rates? Review the numbers here to find out.

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

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Henderson, NC Car Insurance Rates by Driver History

How does a single speeding ticket affect your Henderson, North Carolina car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Henderson.

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

Henderson, NC Car Insurance Rates With a DUI

Even a single DUI can increase your Henderson, NC car insurance rates. Compare rates below to see which Henderson car insurance company has the best rates for drivers with a DUI.

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

Henderson, NC 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, NC car insurance rates fluctuate by ZIP code.

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

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

Henderson, NC Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Henderson, NC car insurance rates may be. Let’s take a look at average car insurance rates from top Henderson companies based on commute time.

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

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Henderson, NC Cheapest Car Insurance Rates

How do the top Henderson, North Carolina car insurance companies’ average rates stack up against the Henderson average monthly car insurance rates of $299? Take a look and see.

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

Henderson, NC Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Henderson, North Carolina car insurance companies to help you find one that best fits 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

Other Factors Affecting Henderson, NC Car Insurance Rates

Before you buy Henderson, North Carolina car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Henderson, NC Commute Time

How does your Henderson, NC commute time compare with the average driver? In Henderson, the average commute is 21.5 minutes.

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Henderson, NC Car Insurance Quotes

Compare Henderson, NC car insurance quotes from multiple companies by entering your ZIP code now.