The Cheapest Auto Insurance Companies in Henderson, Nevada, in 2026
Country Financial is the cheapest insurer in Henderson, with rates starting at $58 per month.
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Written byJamie Johnson
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Jamie JohnsonInsurance Writer
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Edited byMatthew Gross
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Matthew GrossEditor
Updated
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Car insurance in Henderson, Nevada, costs an average of $203 per month. That’s higher than most Nevada cities, except for Las Vegas. Henderson’s heavy traffic and growing population likely contribute to its above-average rates.[1]
USAA, Allstate, and State Farm are some of the best options for car insurance in Henderson. But your rates can vary significantly depending on factors like your driving record, age, ZIP code, and credit, so it’s important to shop around for car insurance quotes.
We’ll tell you everything you need to know about the cheapest insurers in Henderson for different types of drivers.
Key Takeaways
Country Financial is the cheapest auto insurer in Henderson, with average rates starting at $58 per month.
Henderson drivers pay an average monthly rate of $163 for liability insurance and $243 for full coverage.
Car insurance costs tend to be higher in Henderson due to its high population density and traffic congestion.
The Cheapest Car Insurance Companies in Henderson, Nevada
Car insurance rates in Henderson vary widely by insurer, with some companies offering premiums that are below the citywide average. The table below shows some of the cheapest car insurance companies in Henderson based on data from Compare.com.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| Country Financial | $58 |
| State Farm | $84 |
| Just Pay-Per-Mile | $112 |
| USAA | $118 |
| Allstate | $152 |
| Sun Coast | $152 |
| Mercury | $160 |
| Safeco | $178 |
| Mendota | $182 |
| GEICO | $188 |
| Progressive | $188 |
| Direct Auto | $192 |
| Trexis | $193 |
| Root | $194 |
| Just Unlimited | $211 |
| Liberty Mutual | $236 |
| Farmers | $237 |
| Bristol West | $254 |
| Travelers | $283 |
| American Family | $289 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, June 30 at 5:00 PM PDT.
Cheapest Car Insurance in Henderson by Driver and Coverage Type
Car insurance rates in Henderson can vary significantly based on your age, driving record, credit history, and coverage level. For example, drivers with recent tickets or accidents typically pay higher premiums than people with clean records.[2]
For the best comparison, check average rates for people with a similar driving profile to yours. The table below shows average Henderson rates by driver and coverage type, based on Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | Country Financial | $58 |
| Full coverage | Country Financial | $81 |
| Teens | Country Financial | $89 |
| Seniors | Country Financial | $45 |
| Recent speeding ticket | Country Financial | $77 |
| Recent at-fault accident | Country Financial | $78 |
| DUI conviction | Country Financial | $77 |
| Excellent credit | Country Financial | $52 |
| Poor credit | Country Financial | $67 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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Liability insurance meets Nevada’s legal requirements for car insurance, covering injuries and damages you cause to others in a car accident. But it won’t pay for your medical expenses or vehicle repairs. That said, minimum coverage car insurance could make sense for drivers with older or paid-off vehicles.[3]
In Henderson, the average rate for minimum liability coverage is $163 per month. The table below highlights Henderson’s cheapest insurers for liability-only coverage, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumCountry Financial $58 State Farm $84 Just Pay-Per-Mile $112 USAA $118 Allstate $152 Sun Coast $152 Mercury $160 Safeco $178 Mendota $182 GEICO $188 Progressive $188 Direct Auto $192 Trexis $193 Root $194 Just Unlimited $211 Liberty Mutual $236 Farmers $237 Bristol West $254 Travelers $283 American Family $289 Full-coverage car insurance includes liability, collision coverage, and comprehensive coverage, protecting you and your vehicle. It covers damages from accidents, theft, vandalism, and weather-related events. Drivers with newer or financed cars who want to avoid large out-of-pocket repair costs should consider full coverage.
In Henderson, the average full-coverage premium is $243 per month. The table below shows the five cheapest companies for full coverage in Henderson, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumCountry Financial $81 State Farm $118 Just Pay-Per-Mile $160 USAA $164 Safeco $200 Allstate $211 Mercury $228 GEICO $244 Sun Coast $258 Progressive $265 Root $269 Liberty Mutual $282 Mendota $302 Just Unlimited $317 Direct Auto $326 Farmers $330 Trexis $375 Travelers $394 American Family $403 Bristol West $403 Teen drivers in Henderson pay some of the highest insurance costs of any age group. Younger drivers have less experience and a higher likelihood of getting into accidents. The average auto insurance premium for teens in Henderson is $342 per month.
But you can still find ways to save money if you’re a teen driver or have one on your policy. The table below highlights the cheapest insurers for Henderson teens, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumCountry Financial $89 State Farm $157 Just Pay-Per-Mile $189 USAA $209 Sun Coast $256 Root $280 Mercury $281 Allstate $289 Mendota $307 Progressive $317 Trexis $325 GEICO $327 Safeco $349 Just Unlimited $355 Direct Auto $360 Liberty Mutual $397 Bristol West $432 Farmers $456 American Family $525 Travelers $567 Senior drivers in Henderson enjoy some of the cheapest car insurance rates of any age group. Older drivers are typically more cautious and have lower accident rates. The average car insurance premium for seniors in Henderson is $172 per month.
Still, shopping around can help older drivers find even lower rates. The table below lists the cheapest insurers for senior drivers in Henderson, based on our data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumCountry Financial $45 State Farm $65 USAA $95 Just Pay-Per-Mile $95 Allstate $122 Mercury $125 Sun Coast $129 GEICO $148 Safeco $154 Mendota $154 Direct Auto $156 Progressive $159 Trexis $164 Root $177 Just Unlimited $179 Farmers $186 Liberty Mutual $194 Bristol West $210 Travelers $224 American Family $229 Speeding tickets can increase your car insurance rates. Insurers view you as a higher risk after a moving violation and charge more for coverage. In Henderson, drivers with a recent ticket pay an average of $248 per month for auto coverage.
But you can avoid a rate hike by comparing rates from other insurers. The table below outlines Henderson’s cheapest insurers for drivers with a ticket, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumCountry Financial $77 State Farm $105 Just Pay-Per-Mile $137 USAA $150 Sun Coast $186 Allstate $195 Mercury $219 Mendota $222 Root $229 Progressive $230 Safeco $231 Trexis $236 Direct Auto $239 GEICO $243 Just Unlimited $258 Liberty Mutual $297 Farmers $300 Bristol West $317 Travelers $363 American Family $369 One at-fault accident can cause a significant increase in your car insurance rates. Depending on the severity of the claim, your premiums could remain high for several years.[4] In Henderson, drivers with a recent accident pay an average of $256 per month for auto coverage.
Fortunately, some insurers offer affordable coverage for drivers with a history of at-fault accidents. The table below lists the cheapest companies for Henderson drivers with a recent accident, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumCountry Financial $78 State Farm $109 Just Pay-Per-Mile $141 USAA $155 Sun Coast $191 Allstate $200 Mendota $229 Mercury $234 Progressive $237 Root $238 Safeco $242 GEICO $243 Trexis $243 Direct Auto $256 Just Unlimited $266 Liberty Mutual $306 Farmers $310 Bristol West $328 Travelers $374 American Family $380 A driving under the influence (DUI) conviction is one of the most serious driving offenses and can drastically raise your car insurance rates. In Henderson, the average premium for drivers with a DUI is $259 per month.
While drivers with a DUI conviction face higher rates, some insurers offer affordable policies for high-risk drivers. The table below highlights the cheapest car insurance companies for Henderson drivers with a DUI, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumCountry Financial $77 State Farm $114 Just Pay-Per-Mile $143 USAA $160 Sun Coast $194 Allstate $206 Mercury $232 Mendota $232 Progressive $240 Trexis $246 GEICO $254 Safeco $259 Direct Auto $260 Root $263 Just Unlimited $269 Liberty Mutual $320 Farmers $321 Bristol West $344 American Family $374 Travelers $383 In Nevada, insurers can use your credit history when determining your car insurance rates. Companies use credit-based insurance scores to predict how likely you are to file a claim, and drivers with poor credit often pay higher premiums. In Henderson, the average monthly car insurance rate for drivers with poor credit is $234.
But not all companies consider your credit the same way, and some don’t use it at all. The table below lists the cheapest insurers in Henderson for drivers with poor credit, based on Compare.com data.
The below rates in Henderson, NV, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumCountry Financial $67 State Farm $117 Just Pay-Per-Mile $129 USAA $139 Sun Coast $175 Allstate $180 Mercury $188 Mendota $210 Safeco $211 Progressive $217 Trexis $222 GEICO $223 Direct Auto $228 Root $230 Just Unlimited $243 Liberty Mutual $271 Farmers $281 Bristol West $302 American Family $334 Travelers $336
Our Picks for the Best Auto Insurance in Henderson
There’s no single best car insurance company for everyone. Which is why it’s important to shop around and compare quotes from multiple companies. We chose the following companies based on a variety of factors, including average rates in Nevada, available discounts, customer ratings and reviews, and coverages offered.
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| 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. | $118/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. | $164/mo |
4.4
Best choice in Henderson, NVBased on 182 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.2 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 71 USAA reviews
Verified Review
Reviewed in Arizona on June 16, 2026
I have had USAA insurance policies since 1967 and continue to have USAA insurance because it has been there for me for all these years. USAA stood by me and my family in 1992 when I lost my car and home to Hurricane Andrew. USAA has always been there for me in my moments of need.
Verified Review
Reviewed in Arizona on May 22, 2026
The prices are higher than others I have checked.
Verified Review
Reviewed in Maryland on April 3, 2026
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM 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
Henderson is home to a large population of veterans, making USAA a great choice for car insurance. USAA offers military-specific benefits, like a 15% discount when you garage your car on base. The company also offers two telematics programs: SafePilot rewards you for safe driving, and SafePilot Miles saves you money for driving fewer miles.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| 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. | $152/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. | $211/mo |
4.1
Best choice in Henderson, NVBased on 521 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 187 Allstate reviews
Verified Review
Reviewed in Illinois on June 26, 2026
I pay my insurance monthly. With that being said, I sold one of my vehicles so I was not expecting to pay the insurance bill for that month. I contacted customer service to inform them I sold the vehicle, and they would not adjust my bill but said that the money would be taken off the next month’s bill. Well, that didn’t happen either. Instead, they stated it was taken off the premium. I also emailed a local agent, since it was a weekend, to call me at his earliest convenience that Monday morning and never received a call or an email. Very unprofessional!
Verified Review
Reviewed in Florida on June 24, 2026
Efficient, caring, friendly staff.
Verified Review
Reviewed in Tennessee on June 23, 2026
I have satisfactory service with Allstate.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
633
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
AM Best
AM 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
Allstate is the best choice for drivers with unique coverage needs. For example, the insurance agency offers classic car insurance, electric car insurance, rideshare coverage, and coverage for a trip to Mexico.
The company also offers many ways to lower your premiums, like driving safely, maintaining good grades, and bundling your auto insurance with your homeowners, life, or renters insurance.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| 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. | $84/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. | $118/mo |
4.0
Best choice in Henderson, NVBased on 884 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 336 State Farm reviews
Verified Review
Reviewed in Illinois on June 30, 2026
State Farm is good, but they're all too expensive.
Verified Review
Reviewed in Georgia on June 29, 2026
I have thoroughly enjoyed working with this office and the employees.
Verified Review
Reviewed in South Carolina on June 17, 2026
Price creep is a thing, and stay aware of discounts ending, etc.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM 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
State Farm stands out thanks to its personalized customer service. The company has more than 19,000 insurance agents nationwide.
The company offers standard coverages, but you can also choose from add-on coverages like rideshare coverage, roadside assistance, and car rental reimbursement. The company also sells other insurance products, like business and homeowners insurance, making it a great option for those seeking a one-stop shop.
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Nevada Auto Insurance Requirements
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Nevada state law requires all drivers to have car insurance to drive legally. Here are the minimum coverage requirements in the Silver State:[10]
Bodily injury liability: At least $25,000 per person and $50,000 per accident
Property damage liability: At least $20,000
Is minimum coverage enough in Henderson?
You should consider buying coverage above Nevada’s minimum limits. Most insurance experts recommend buying at least $100,000 per person in bodily injury liability coverage and $300,000 per accident.[11] If you lease or finance your vehicle, your lender may require you to purchase full-coverage car insurance.
Henderson Auto Insurance FAQs
To help you in your search for car insurance coverage in Henderson, we answered some common questions from drivers below.
Henderson drivers pay an average monthly rate of $203 for car insurance, according to Compare.com data. Liability insurance costs an average of $163 per month, and full coverage costs an average of $243 per month.
Country Financial is the cheapest auto insurance company in Henderson, according to Compare.com data. Its rates start at $58 per month.
It depends. Henderson drivers pay an average of $203 per month for car insurance, according to Compare.com data. In comparison, the national average is $140 per month. But the exact amount you pay for car insurance depends on a variety of factors, including your deductible, driving record, and credit history.
Auto insurance is expensive in Nevada for a few reasons. Silver State drivers typically pay higher-than-average rates due to high traffic levels, increased medical costs, inflation, and the rising cost of vehicles.[12]
Sources
- United States Census Bureau. "Henderson, Nevada."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- AM Best. "AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation."
- Trustpilot. "Allstate Reviews."
- Better Business Bureau. "State Farm Insurance Company."
- National Association of Insurance Commissioners. "Results by Complaint Index."
- Nevada Division of Insurance. "Understanding Auto Insurance."
- Insurance Information Institute. "Is it legal to drive without insurance?."
- Nevada Division of Insurance. "Auto Insurance FAQs."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jamie JohnsonInsurance Writer
Matthew GrossEditor