Best Cheap Auto Insurance in Henderson, Nevada (2023)

COUNTRY Financial, State Farm, and GEICO are the cheapest car insurance companies in Henderson.

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
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Danny SmithHome and Pet Insurance Editor
  • P&C license candidate in Massachusetts

  • 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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Updated September 20, 2023

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You can expect to pay an average of $222 for car insurance in Henderson. Liability-only coverage is the cheapest option, at an average of $167 per month, while full coverage offers more protection for a higher cost of $276 per month.

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

Quick Facts
  • Nevada insurers can use your credit score when determining your rates.

  • Drivers in Henderson pay more than the national average rate for car insurance.

  • Nevada is an at-fault state for car insurance.

Find Cheap Car Insurance in Henderson, Nevada

Rates start as low as $167 for liability coverage

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Best 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.

Best insurer for full coverage: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$54/mo

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 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

Average customer service from the agent

Michael - December 27, 2022
Verified

Worked with them for many years; never had issues, and our agent always had our best interests at heart

Shirley - October 2, 2022
Verified

Great price and customer service

Wendy - June 2, 2021
Verified
Read our Country Financial review

Best insurer for good drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$59/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.
$94/mo

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

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
Read our GEICO review

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$69/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.
$110/mo

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

The representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023
Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023
Verified

Exceptional customer service

Anthony - January 15, 2023
Verified
Read our USAA review
Top 10 Cheapest Car Insurance Companies for September 2023

Top 10 Cheapest Car Insurance Companies for September 2023

Cheapest liability-only car insurance in Henderson

Drivers who carry liability-only car insurance typically pay less than drivers with full-coverage insurance. However, 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 $167 per month. The following table shows average liability insurance quotes from insurers serving Henderson.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
COUNTRY Financial34
State Farm49
GEICO59
USAA69
Allstate89
Midvale Home & Auto117
Farmers139
Safeco141
Nationwide145
Mercury151
Sun Coast152
Travelers166
American Family169
Progressive174
Dairyland186
Liberty Mutual189
Bristol West266
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.

Cheapest full-coverage car insurance in Henderson

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 $276 per month. The following table shows average full-coverage quotes from insurers serving Henderson.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
COUNTRY Financial54
State Farm79
GEICO94
USAA110
Allstate141
Midvale Home & Auto170
Mercury184
Safeco191
Nationwide216
Farmers220
Sun Coast228
Travelers228
Progressive246
Liberty Mutual253
American Family269
Dairyland336
Bristol West406
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.

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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.[1]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $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 or underinsured motorist coverage provides protection for 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 $42 for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket

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

Henderson drivers with a speeding ticket face an average monthly cost of $219 for liability-only coverage. Below are the cheapest car insurance companies for drivers in Henderson with speeding tickets.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial7145
State Farm10364
GEICO12377
USAA14490
Allstate185117
Midvale Home & Auto223153
Mercury241198
Safeco250185
Nationwide283190
Farmers288182
Sun Coast299199
Travelers299217
Progressive322228
Liberty Mutual331247
American Family352221
Dairyland440244
Bristol West532348
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.

Cheapest car insurance for drivers with an at-fault accident

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 average $299 per month for auto insurance. Here are the cheapest car insurance companies for drivers with car accidents on their records.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial7346
State Farm10766
GEICO12780
USAA14893
Allstate190120
Midvale Home & Auto229158
Mercury248204
Safeco258190
Nationwide291196
Farmers297187
Sun Coast307205
Travelers307224
Progressive332235
Liberty Mutual341255
American Family363228
Dairyland453251
Bristol West547359
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.

Cheapest car insurance for drivers with a DUI

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 overall average monthly cost of car insurance with a DUI on your license in Henderson is $344. Below are the cheapest car insurance companies for drivers in Henderson with DUIs.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial8453
State Farm12276
GEICO14691
USAA170107
Allstate218138
Midvale Home & Auto263181
Mercury285234
Safeco296218
Nationwide334225
Farmers341215
Sun Coast353235
Travelers353257
Progressive381269
Liberty Mutual392293
American Family416262
Dairyland520288
Bristol West629412
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.

Cheapest car insurance for seniors

Car insurance premiums usually decrease around age 35 as drivers gain more experienc. However, once drivers reach age 70, rates increase again. Drivers age 70 and older start to lose some cognitive abilities and start to become riskier drivers.[2]

Henderson seniors can find liability rates as low as $24 per month. Below are the cheapest car insurance companies for senior drivers in Henderson.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial3019
State Farm4528
GEICO5333
USAA6239
Allstate8050
Midvale Home & Auto9666
Mercury10485
Safeco10880
Nationwide12282
Farmers12478
Sun Coast12986
Travelers12994
Progressive13998
Liberty Mutual143107
American Family15295
Dairyland190105
Bristol West229150
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.

Cheapest car insurance for teens

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

On average, teen drivers in Henderson pay $292 per month for liability-only coverage. Below are the cheapest car insurance companies for teenage drivers in Henderson.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial9459
State Farm13886
GEICO164103
USAA192121
Allstate246156
Midvale Home & Auto297204
Mercury322264
Safeco334246
Nationwide378253
Farmers384243
Sun Coast398266
Travelers398290
Progressive430304
Liberty Mutual442330
American Family470295
Dairyland587325
Bristol West710465
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.

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:[3]

  • 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.

Best Cheap Car Insurance in Henderson

Comparing rates can save you up to $717 annually

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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 $222, compared to the Nevada state average of $240 and the national average of $139.

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, therefore, slower-paced than the busy city nearby, 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:

CityAverage Monthly QuoteCompared to Henderson
Las Vegas$27318%
North Las Vegas$29126%
Sparks$150-35%
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.

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 $222 per month, on average. Drivers pay an average of $276 per month for full-coverage insurance and $167 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 4.4 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 car insurance companies in Henderson are the cheapest?

    COUNTRY Financial has the cheapest car insurance in Henderson, with liability rates averaging $34. You can also find low rates with State Farm and GEICO, which have liability-only rates of $49 and $59, 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 50+ 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. Nevada Department of Motor Vehicles. "Insurance." Accessed August 28, 2023
  2. Insurance Institute for Highway Safety. "Older drivers." Accessed August 28, 2023
  3. Insurance Information Institute. "How to save money on car insurance." Accessed August 28, 2023
  4. Nevada Division of Insurance. "Credit Scoring FAQs." Accessed August 28, 2023
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 28, 2023
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 SmithHome and Pet Insurance Editor
Photo of an Insurify author
Danny SmithHome and Pet Insurance Editor
  • P&C license candidate in Massachusetts

  • 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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Compare Car Insurance Quotes Instantly

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