Cheapest Auto Insurance in Henderson, Nevada (2025)

COUNTRY Financial offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $34 per month.

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Cheapest recent rates near Henderson, Nevada

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $93/mo for full coverage in Henderson and other Nevada cities.

*Quotes generated for Insurify users in and around Henderson, Nevada within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Henderson, Nevada within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Catherine Collins
Catherine Collins

Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.

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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Drivers in Henderson pay $171 per month for liability car insurance, while full coverage offers more protection for a higher cost of $253 per month.

These rates are higher than the national monthly averages of $107 and $193 for liability-only and full-coverage auto insurance. Henderson’s high rates are likely in part due to the city’s proximity to nearby Las Vegas and its large number of drivers, which increases the risk of accidents.

Drivers have plenty of insurance companies to choose from, though, with each offering different rates for similar coverages. Always compare quotes before buying a policy.

Quick Facts
  • COUNTRY Financial, State Farm, and USAA have the cheapest car insurance in Henderson.

  • Henderson’s rate are slightly lesss than the statewide monthly averages of $175 for liability coverage and $270 for full coverage.

  • Henderson drivers pay a yearly average of $3,031 for full-coverage policies.

3 of the cheapest car insurance companies in Henderson

You have many car insurance companies to choose from in Henderson, Nevada, but the best insurance company for you will depend on your financial situation and insurance needs. Car insurance prices vary based on factors like your location, driving history, marital status, age, and more. Here’s where you can find the best car insurance in Henderson.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
COUNTRY Financial9.1$56$37Full coverage
GEICO9.2$237$209Good drivers
USAA9.1$114$75Military members and families
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for full coverage: COUNTRY Financial

User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$34/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$53/mo
3.6
A solid optionBased on 49 verified guest reviews and ratings
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (30)

Nan

March 30, 2025

Verified Review

Good

I would like my representative to return my calls. My coverage has been average.

Donna

March 12, 2025

Verified Review

Ok

The policy is good, but it's too pricey.

Ida-Marie F

December 16, 2024

Verified Review

Good Company

They are honorable and pay our claims promptly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

COUNTRY Financial is a nearly 100-year-old insurance company that started in Illinois. It has an AM Best financial strength rating of A+ (Superior), which demonstrates the company’s financial stability. COUNTRY Financial offers some of the cheapest liability-only and full-coverage car insurance in Henderson, Nevada. It also has several unique discounts for a variety of different consumers, making it the best option for drivers looking for full-coverage insurance.

Pros
  • Generally positive customer reviews

  • Unique discounts

Cons
  • Not available in every state

  • Certain types of insurance, like rideshare insurance, aren’t available

Best insurer for good drivers: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$199/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$227/mo
4.0
Best choiceBased on 11,989 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,432)

Rosemary

July 2, 2025

Verified Review

Geico is the worst!

Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is a nearly 100-year-old insurance company that insures more than 28 million vehicles. It has an AM Best financial strength rating of A++ (Superior), showing exceptional financial stability. GEICO offers several different discounts for consumers with a good driving history, as well as low rates. For that reason, it’s the best choice for Henderson drivers with a good driving record.

Pros
  • Good rates for several types of drivers, like good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with violations

  • Certain types of insurance, like rideshare insurance, aren’t available

Best insurer for military members and families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$108/mo
4.9
Best choiceBased on 2,100 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is a well-known insurance company that’s been in business for more than 100 years. It has a AM Best financial strength rating of A++ (Superior), which means it has good financial strength. USAA is the best insurance company for military families because it serves them exclusively. Only members of the military, veterans, and family members who meet certain criteria are eligible to purchase insurance from USAA.

Pros
  • High customer satisfaction ratings

  • SafePilot program rewards good driving

Cons
  • Only available to active-duty military, veterans, and their family members who meet certain criteria

  • No 24/7 customer phone support

Top 10 Cheap Car Insurance Quotes in July 2025

Top 10 Cheap Car Insurance Quotes in July 2025

How to get the cheapest car insurance in Henderson

Residents of Henderson have many ways to save money on car insurance. Some of the most reliable options include:[1]

  • Raise your deductible. Your deductible is the amount you’re responsible for before your insurance kicks in after an incident. If you raise your deductible, you can typically save money on your premiums. Just be sure to have enough money for your deductible in case of an accident.

  • Find discounts. Car insurance companies offer many different types of discounts. Find one that works best with your specific situation, whether you’re a student, low-mileage driver, or a frequent commuter.

  • Bundle home and auto policies. If you have homeowners insurance or another type of insurance, combine them with one insurer to save. You can sometimes bundle insurance for ATVs and boats, depending on the insurer.

  • Compare quotes. It’s crucial to get quotes from at least three different insurance companies before choosing one. Insurers often offer different rates for the same coverage.

Find Cheap Car Insurance in Henderson

Rates start as low as $34 for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Henderson: COUNTRY Financial

Drivers who carry liability-only car insurance typically pay less than drivers with full-coverage insurance. But liability-only car insurance comes with risks. When you have liability insurance, your insurance company will only pay for a third party’s injuries or property damage. That means you’re responsible for your own medical expenses and property damage.

The average rate for liability-only car insurance in Henderson is $171 per month. The following table shows average liability insurance quotes from insurers serving Henderson.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
COUNTRY Financial$34
State Farm$50
USAA$70
Allstate$90
Mercury$137
Farmers$141
Nationwide$145
Sun Coast$150
Root$152
Safeco$158
Travelers$168
Progressive$170
American Family$172
Direct Auto$174
Dairyland$182
GEICO$199
Bristol West$239
Liberty Mutual$250
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Henderson: COUNTRY Financial

Unlike liability-only insurance, full-coverage car insurance pays for your medical expenses, property damage, and any third-party expenses you incur due to an accident or collision. If you don’t have enough savings to cover your medical expenses or property damage costs after an accident, full-coverage auto insurance is likely a good fit for you.

If you lease or finance your vehicle, your leasing company or lender will likely require you to have full coverage to protect their investment in your vehicle.

The average rate for full-coverage car insurance in Henderson is $253 per month. The following table shows average full-coverage quotes from insurers serving Henderson.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
COUNTRY Financial$53
State Farm$77
USAA$108
Allstate$139
Safeco$191
Progressive$194
Mercury$202
Farmers$217
Nationwide$223
GEICO$227
Root$241
Sun Coast$256
Travelers$259
American Family$264
Direct Auto$292
Liberty Mutual$296
Dairyland$331
Bristol West$379
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Henderson, Nevada

Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $82/mo for full coverage in Henderson and other Nevada cities.

*Quotes generated for Insurify users in and around Henderson, Nevada within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Henderson, Nevada within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Nevada

Nevada is unique because it allows higher-than-normal speed limits and plays host to a large number of tourists each year. These factors have contributed to its higher auto insurance rates compared to other states. But like most other states, Nevada has minimum-coverage requirements for car insurance.[2]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

Nevada drivers who want more protection than the state-mandated minimums should consider purchasing the following coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damages to your vehicle after an accident or a collision with another object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damages to your vehicle resulting from a non-collision accident, such as theft, fire, storm, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for you and any passenger’s medical expenses from injuries in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection coverage

    Personal injury protection covers lost wages and non-medical costs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you and your property if you’re involved in an accident with an uninsured or underinsured driver.

Cheapest car insurance for drivers with an incident

Speeding tickets, driving under the influence, and at-fault accidents are incidents that can go on your driving record. Having one of these incidents on your record can increase your premium prices because insurance companies consider you a riskier driver than before the incident. Even so, you can still find cheap car insurance from some insurers.

Find Car Insurance in Henderson, NV

Rates start at $39 for drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial

Insurers may not raise your rates after only one speeding ticket, but repeated offenses typically result in fines and car insurance premium increases. But you can still find cheap car insurance with the right insurance company.

Henderson drivers with a speeding ticket face an average monthly cost of $193 for liability-only coverage and $286 for full coverage. Below are the average rates from car insurance companies offering coverage to drivers in Henderson with speeding tickets.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
COUNTRY Financial$34$40
State Farm$50$58
USAA$70$82
Allstate$90$105
Mercury$137$175
Farmers$141$166
Nationwide$145$171
Sun Coast$150$169
Root$152$190
Safeco$158$191
Travelers$168$199
Progressive$170$192
American Family$172$204
Direct Auto$174$205
Dairyland$182$214
GEICO$199$240
Bristol West$239$284
Liberty Mutual$250$300
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: COUNTRY Financial

If you cause an accident in Nevada, your car insurance premiums will likely increase, even if it’s your first accident. Some insurers offer accident forgiveness — but even then, the accident will go on your record and further incidents will cause rate increases.

In Henderson, drivers with at-fault accidents pay averages of $214 per month for liability only and $316 per month for full-coverage auto insurance. Here are the average rates from car insurance companies offering coverage to drivers in Henderson with a car accident on record.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
COUNTRY Financial$34$43
State Farm$50$62
USAA$70$88
Allstate$90$113
Mercury$137$190
Farmers$141$178
Nationwide$145$183
Sun Coast$150$188
Root$152$191
Safeco$158$210
Travelers$168$212
Progressive$170$213
American Family$172$218
Direct Auto$174$225
Dairyland$182$229
GEICO$199$235
Bristol West$239$302
Liberty Mutual$250$319
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: COUNTRY Financial

Driving under the influence of drugs or alcohol is a serious offense. In Nevada, the blood alcohol content (BAC) limit is 0.08 for drivers age 21 and older, 0.02 for drivers younger than 21, and 0.04 for commercial drivers.

Insurers consider drivers with a DUI to be high risk. Some car insurance companies won’t even renew your policy if you get one. If you can get car insurance, your premiums will typically be higher than drivers with less serious infractions on their records.

The average monthly cost of car insurance with a DUI on your license in Henderson is $275 for liability-only auto insurance and $407 for full-coverage auto insurance. Below are the average car insurance quotes from companies offering coverage to drivers in Henderson with DUIs.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
COUNTRY Financial$34$52
State Farm$50$77
USAA$70$107
Allstate$90$138
Mercury$137$214
Farmers$141$216
Nationwide$145$223
Sun Coast$150$242
Root$152$233
Safeco$158$252
Travelers$168$258
Progressive$170$274
American Family$172$264
Direct Auto$174$267
Dairyland$182$279
GEICO$199$305
Bristol West$239$367
Liberty Mutual$250$384
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: COUNTRY Financial

Car insurance premiums usually decrease around age 35 as drivers gain more experience. But once drivers reach age 70, rates increase again. Drivers 70 and older start to lose some cognitive abilities and can become riskier drivers.[3]

Henderson seniors pay monthly averages of $143 for liability coverage and $212 for full coverage. Below are the average rates from car insurance companies offering coverage for senior drivers in Henderson.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
COUNTRY Financial$28$44
State Farm$39$60
USAA$56$86
Allstate$72$112
Nationwide$109$167
Farmers$110$169
Mercury$112$165
Sun Coast$126$215
Root$127$202
Travelers$131$202
Direct Auto$135$227
Safeco$136$164
American Family$136$208
Progressive$143$163
Dairyland$147$267
GEICO$155$177
Bristol West$193$306
Liberty Mutual$207$245
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: COUNTRY Financial

Teenage drivers are inexperienced, and because of that, it typically costs much more to insure them.

On average, teen drivers in Henderson pay $294 per month for liability-only coverage and $435 for full-coverage auto insurance.

Luckily, you have a few ways to lower premiums when you add teen drivers to your policy, like checking what types of discounts your car insurance company offers.

For example, many car insurance companies offer a good student discount. Keeping teens on your policy and teaching them good driving habits can also save you money on your premiums.

Below are the average rates from car insurance companies offering coverage for teenage drivers in Henderson.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
COUNTRY Financial$50$78
State Farm$91$141
USAA$123$190
Allstate$170$263
Mercury$247$364
Root$254$402
Sun Coast$258$440
Farmers$258$397
Nationwide$270$416
Dairyland$291$530
Progressive$292$333
American Family$308$472
Safeco$314$379
Travelers$320$493
Direct Auto$331$555
GEICO$342$390
Bristol West$413$655
Liberty Mutual$434$514
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Henderson

Comparing rates can save you up to $1,025 annually

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Based on 3,806+ reviews
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Henderson car insurance quotes by credit tier

Nevada is a state that allows insurers to consider your credit score when determining car insurance premiums. If you have an excellent or good credit score, you’ll likely spend less on car insurance than drivers with poor credit scores.

If you currently have a low credit score, you can take several steps to improve it. The amount of debt you owe, sometimes called your debt-to-credit ratio, makes up 30% of your credit score. Lowering your debt amounts can improve your score — as will making your payments on time, every time, since your payment history makes up 35% of your score.[4]

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Henderson?

In Henderson, the average monthly cost of full-coverage car insurance is $253, compared to the Nevada state average of $270 and the national average of $193.

Your ZIP code is an important factor when it comes to car insurance premiums. Locations with higher crime rates have higher insurance premiums than rural areas.[5] Henderson is a suburb of Las Vegas and is slower-paced, so Henderson drivers pay less for car insurance than Las Vegas drivers.

More cities in Nevada

Here’s how some other major Nevada cities compare to Henderson for car insurance rates:

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Las Vegas$301$204
North Las Vegas$303$208
Pahrump$219$133
Reno$177$103
Sparks$182$103
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Henderson car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Henderson.

  • How much is car insurance in Henderson?

    Car insurance in Henderson costs $212 per month, on average. Drivers pay an average of $253 per month for full-coverage insurance and $171 per month for liability coverage.

    Your specific rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in Henderson?

    State Farm is the best car insurance company in Henderson, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior).

    Of the insurers Insurify has rate data for, other top Henderson choices include GEICO and USAA.

  • Which company has the cheapest car insurance in Henderson?

    COUNTRY Financial has the cheapest car insurance in Henderson, with liability rates starting at $34 per month. You can also find low rates with State Farm and USAA, which have liability-only rates of $50 and $70 per month, respectively.

  • How much car insurance is required in Nevada?

    Nevada drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $20,000 per accident in property damage insurance.

  • Is Nevada a no-fault state?

    No. Nevada is an at-fault state for car insurance, meaning that the driver responsible for an accident turns to their own insurer for coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Nevada Department of Motor Vehicles. "Insurance."
  3. Insurance Institute for Highway Safety. "Older drivers."
  4. Nevada Division of Insurance. "Credit Scoring FAQs."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Catherine Collins
Catherine Collins

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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