Cheapest Auto Insurance in Henderson, Nevada (2024)
COUNTRY Financial offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $32 per month.
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Written byCatherine Collins
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13+ years creating insurance and personal finance content
Co-founded MillennialHomeowner.com
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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Edited byDanny Smith
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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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Updated November 21, 2024
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Table of contents
Drivers in Henderson pay $185 per month for liability car insurance, while full coverage offers more protection for a higher cost of $289 per month.
These rates are higher than the national monthly averages of $104 and $204 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 GEICO have the cheapest car insurance in Henderson.
Henderson’s rate are slightly lesss than the statewide monthly averages of $185 for liability coverage and $306 for full coverage.
Henderson drivers pay a yearly average of $3,463 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 ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| COUNTRY Financial | 8.8 | $53 | $33 | Full coverage |
| GEICO | 9.0 | $92 | $58 | Good drivers |
| USAA | 9.4 | $108 | $67 | Military members and families |
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.
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 28,000 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. | 8.8 /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. | $32/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. | $51/mo |
3.6
A solid optionBased on 38 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
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
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (26)
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
James
October 8, 2024
Verified Review
Insurance Cost
The rates are increasing very quickly.
Dayna
September 17, 2024
Verified Review
Goodbye, Country Financial
I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2A.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. | 9.0 /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. | $56/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. | $90/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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. | 9.4 /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. | $65/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. | $104/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 Cheapest Car Insurance Companies for November 2024
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 $32 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $185 per month. The following table shows average liability insurance quotes from insurers serving Henderson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| COUNTRY Financial | $32 |
| State Farm | $46 |
| GEICO | $56 |
| USAA | $65 |
| Allstate | $83 |
| Farmers | $130 |
| Nationwide | $134 |
| Mercury | $139 |
| Safeco | $143 |
| Sun Coast | $145 |
| Travelers | $156 |
| American Family | $159 |
| Liberty Mutual | $164 |
| Progressive | $177 |
| Dairyland | $184 |
| Bristol West | $250 |
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: 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 $289 per month. The following table shows average full-coverage quotes from insurers serving Henderson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| COUNTRY Financial | $51 |
| State Farm | $74 |
| GEICO | $90 |
| USAA | $104 |
| Allstate | $133 |
| Mercury | $157 |
| Safeco | $192 |
| Farmers | $208 |
| Nationwide | $215 |
| Progressive | $225 |
| Liberty Mutual | $238 |
| Sun Coast | $240 |
| Travelers | $250 |
| American Family | $255 |
| Dairyland | $346 |
| Bristol West | $394 |
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 recent rates near Henderson, Nevada
Recent Henderson, Nevada car insurance prices for Mazda, Subaru, Chevrolet , and more.
*Quotes generated for Insurify users in and around Henderson, Nevada within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 21, 2024. 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 November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 21, 2024. 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 ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| 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:
Collision coverage
Collision insurance covers damages to your vehicle after an accident or a collision with another object.
Comprehensive coverage
Comprehensive insurance pays for damages to your vehicle resulting from a non-collision accident, such as theft, fire, storm, or vandalism.
Medical payments coverage
Medical payments coverage pays for you and any passenger’s medical expenses from injuries in an accident.
Personal injury protection coverage
Personal injury protection covers lost wages and non-medical costs.
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 $41 for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $255 for liability-only coverage and $399 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| COUNTRY Financial | $32 | $43 |
| State Farm | $46 | $59 |
| GEICO | $56 | $72 |
| USAA | $65 | $84 |
| Allstate | $83 | $107 |
| Farmers | $130 | $167 |
| Nationwide | $134 | $174 |
| Mercury | $139 | $192 |
| Safeco | $143 | $187 |
| Sun Coast | $145 | $200 |
| Travelers | $156 | $203 |
| American Family | $159 | $205 |
| Liberty Mutual | $164 | $227 |
| Progressive | $177 | $226 |
| Dairyland | $184 | $237 |
| Bristol West | $250 | $324 |
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: 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 $269 per month for liability only and $420 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| COUNTRY Financial | $32 | $45 |
| State Farm | $46 | $62 |
| GEICO | $56 | $76 |
| USAA | $65 | $89 |
| Allstate | $83 | $113 |
| Farmers | $130 | $177 |
| Nationwide | $134 | $184 |
| Mercury | $139 | $203 |
| Safeco | $143 | $193 |
| Sun Coast | $145 | $211 |
| Travelers | $156 | $214 |
| American Family | $159 | $217 |
| Liberty Mutual | $164 | $238 |
| Progressive | $177 | $243 |
| Dairyland | $184 | $248 |
| Bristol West | $250 | $340 |
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: 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 $306 for liability-only auto insurance and $477 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| COUNTRY Financial | $32 | $53 |
| State Farm | $46 | $76 |
| GEICO | $56 | $92 |
| USAA | $65 | $107 |
| Allstate | $83 | $137 |
| Farmers | $130 | $215 |
| Nationwide | $134 | $221 |
| Mercury | $139 | $212 |
| Safeco | $143 | $219 |
| Sun Coast | $145 | $240 |
| Travelers | $156 | $257 |
| American Family | $159 | $262 |
| Liberty Mutual | $164 | $271 |
| Progressive | $177 | $292 |
| Dairyland | $184 | $304 |
| Bristol West | $250 | $413 |
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: 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 $135 for liability coverage and $211 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $24 | $39 |
| State Farm | $34 | $54 |
| GEICO | $42 | $67 |
| USAA | $49 | $78 |
| Allstate | $63 | $100 |
| Nationwide | $94 | $150 |
| Farmers | $95 | $153 |
| Mercury | $103 | $117 |
| Sun Coast | $106 | $176 |
| Safeco | $115 | $155 |
| Travelers | $115 | $184 |
| American Family | $117 | $188 |
| Progressive | $119 | $152 |
| Liberty Mutual | $130 | $188 |
| Dairyland | $138 | $260 |
| Bristol West | $189 | $297 |
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: 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 $333 per month for liability-only coverage and $521 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $48 | $76 |
| State Farm | $81 | $131 |
| GEICO | $92 | $148 |
| USAA | $112 | $180 |
| Allstate | $152 | $244 |
| Farmers | $234 | $374 |
| Nationwide | $241 | $387 |
| Mercury | $253 | $286 |
| Sun Coast | $261 | $433 |
| American Family | $283 | $454 |
| Safeco | $283 | $380 |
| Liberty Mutual | $290 | $421 |
| Travelers | $290 | $465 |
| Dairyland | $306 | $575 |
| Progressive | $320 | $406 |
| Bristol West | $434 | $684 |
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.
Shop for Car Insurance in Henderson
Comparing rates can save you up to $852 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 $289, compared to the Nevada state average of $306 and the national average of $204.
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 ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Las Vegas | $344 | $219 |
| North Las Vegas | $324 | $208 |
| Pahrump | $236 | $138 |
| Reno | $211 | $119 |
| Sparks | $223 | $114 |
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 $237 per month, on average. Drivers pay an average of $289 per month for full-coverage insurance and $185 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 $32 per month. You can also find low rates with State Farm and GEICO, which have liability-only rates of $46 and $56 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 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
- 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.
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Sources
- Insurance Information Institute. "How to save money on car insurance."
- Nevada Department of Motor Vehicles. "Insurance."
- Insurance Institute for Highway Safety. "Older drivers."
- Nevada Division of Insurance. "Credit Scoring FAQs."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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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.
Edited byDanny 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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