The Cheapest Auto Insurance Companies in Henderson, Nevada, in 2026

Country Financial is the cheapest insurer in Henderson, with rates starting at $60 per month.

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Jamie Johnson
Writer: Jamie JohnsonInsurance Writer

Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.

For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

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Editor: Matthew GrossEditor

Qualifications:
  • 5+ years in communications and content creation

  • 2+ years in insurance content


Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.

Updated

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Car insurance in Henderson, Nevada, costs an average of $209 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 $60 per month.

  • Henderson drivers pay an average monthly rate of $165 for liability insurance and $253 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: Wednesday, September 30 at 5:00 PM PDT. 
Company
Average Monthly Premium
Country Financial$60
State Farm$87
Just Pay-Per-Mile$114
USAA$123
Sun Coast$156
Mercury$167
Safeco$178
GEICO$184
Mendota$184
Allstate$186
Direct Auto$192
Root$194
Trexis$206
Just Unlimited$217
Progressive$218
Liberty Mutual$237
Farmers$245
Bristol West$258
Travelers$293
American Family$300
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 Wednesday, September 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 onlyCountry Financial$60
Full coverageCountry Financial$86
TeensCountry Financial$89
SeniorsCountry Financial$47
Recent speeding ticketCountry Financial$79
Recent at-fault accidentCountry Financial$81
DUI convictionCountry Financial$79
Excellent creditCountry Financial$53
Poor creditCountry Financial$70
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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Cheapest state-minimum coverage: Country Financialexpand/collapse

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 $165 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Liability Rates by Company

Company
Average Monthly Premium
Country Financial$60
State Farm$87
Just Pay-Per-Mile$114
USAA$123
Sun Coast$156
Mercury$167
Safeco$178
GEICO$184
Mendota$184
Allstate$186
Direct Auto$192
Root$194
Trexis$206
Just Unlimited$217
Progressive$218
Liberty Mutual$237
Farmers$245
Bristol West$258
Travelers$293
American Family$300
Cheapest full coverage: Country Financialexpand/collapse

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 $253 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Full-Coverage Rates by Company

Company
Average Monthly Premium
Country Financial$86
State Farm$126
Just Pay-Per-Mile$164
USAA$176
Safeco$187
Mercury$236
GEICO$240
Progressive$250
Sun Coast$267
Root$270
Liberty Mutual$282
Mendota$299
Allstate$300
Just Unlimited$326
Direct Auto$327
Farmers$352
Trexis$375
Bristol West$402
Travelers$421
American Family$431
Cheapest for teens: Country Financialexpand/collapse

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 $351 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Rates for Teens

Company
Average Monthly Premium
Country Financial$89
State Farm$161
Just Pay-Per-Mile$191
USAA$215
Sun Coast$262
Root$278
Mercury$290
Mendota$309
Allstate$312
GEICO$319
Trexis$346
Safeco$350
Direct Auto$359
Just Unlimited$364
Progressive$366
Liberty Mutual$396
Bristol West$436
Farmers$468
American Family$540
Travelers$582
Cheapest for seniors: Country Financialexpand/collapse

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 $179 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Rates for Seniors

Company
Average Monthly Premium
Country Financial$47
State Farm$68
Just Pay-Per-Mile$98
USAA$99
Mercury$131
Sun Coast$133
GEICO$145
Safeco$154
Direct Auto$156
Mendota$157
Allstate$159
Trexis$176
Root$178
Just Unlimited$186
Progressive$187
Farmers$193
Liberty Mutual$195
Bristol West$214
Travelers$233
American Family$238
Cheapest after a ticket: Country Financialexpand/collapse

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 $254 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Rates With a Ticket

Company
Average Monthly Premium
Country Financial$79
State Farm$108
Just Pay-Per-Mile$138
USAA$156
Sun Coast$189
Mendota$223
Allstate$226
Mercury$227
Root$227
Safeco$231
GEICO$237
Direct Auto$238
Trexis$250
Just Unlimited$263
Progressive$265
Liberty Mutual$297
Farmers$308
Bristol West$321
Travelers$373
American Family$381
Cheapest after an accident: Country Financialexpand/collapse

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 $264 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Rates With an Accident

Company
Average Monthly Premium
Country Financial$81
State Farm$113
Just Pay-Per-Mile$144
USAA$162
Sun Coast$197
Mendota$233
Allstate$235
Root$238
GEICO$239
Safeco$243
Mercury$244
Direct Auto$257
Trexis$261
Just Unlimited$274
Progressive$276
Liberty Mutual$309
Farmers$323
Bristol West$335
Travelers$389
American Family$397
Cheapest after a DUI: Country Financialexpand/collapse

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 $267 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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Rates With a DUI

Company
Average Monthly Premium
Country Financial$79
State Farm$118
Just Pay-Per-Mile$145
USAA$166
Sun Coast$199
Mendota$235
Allstate$237
Mercury$241
GEICO$251
Direct Auto$260
Root$262
Trexis$263
Safeco$268
Just Unlimited$277
Progressive$278
Liberty Mutual$320
Farmers$331
Bristol West$349
American Family$389
Travelers$396
Cheapest for bad credit: Country Financialexpand/collapse

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 $240.

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: Wednesday, September 30 at 5:00 PM PDT. 

Cheapest Rates With Bad Credit

Company
Average Monthly Premium
Country Financial$70
State Farm$123
Just Pay-Per-Mile$131
USAA$147
Sun Coast$179
Mercury$196
GEICO$207
Safeco$211
Mendota$211
Allstate$214
Direct Auto$228
Root$230
Trexis$237
Just Unlimited$249
Progressive$250
Liberty Mutual$271
Farmers$276
Bristol West$306
Travelers$333
American Family$349

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.

USAA
User Reviews
4.3
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.
$123/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.
$176/mo
Details
4.3
Best choice in Henderson, NVBased on 217 verified guest reviews and ratings
USAA's score
Industry average
Coverage options4.43.2
Customer service4.23.6
Discounts4.22.9
Policy transparency4.33.1
Value4.22.9
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 93 USAA reviews
Larry
Verified Review
Poor
Poor rates; they’re too high.
Darryl
Verified Review
AI
Too high.
Dustin
Verified Review
Disappointed
I was a member for 23 years, but then I shopped around and saved big time elsewhere.
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.

Pros
  • Above-average customer satisfaction[5]

  • Strong AM Best financial strength rating[6]

  • Two telematics programs

Cons
  • Available only to military members and families

  • Gap insurance not available

  • Fewer discounts than many competitors

Allstate
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.
$186/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.
$300/mo
Details
4.1
Best choice in Henderson, NVBased on 598 verified guest reviews and ratings
Allstate's score
Industry average
Coverage options4.23.2
Customer service4.13.6
Discounts3.92.9
Policy transparency4.03.1
Value3.82.9
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 224 Allstate reviews
Barbara
Verified Review
High Insurance Prices
My agent is patient and helpful, but your prices have increased dramatically. This is especially tough for a senior on a fixed income.
Jerry
Verified Review
Always Helpful
We never had a claim, but Mr. Harvey was always helpful and available whenever we had a question.
Barbara
Verified Review
Great Service
Great.
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.

Pros
  • Wide variety of coverages available

  • Many available discounts

  • Drivewise program rewards safe driving

Cons
  • Below-average customer satisfaction

  • Rates can be more expensive for some drivers

  • Poor Trustpilot rating[7]

State Farm
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.
$87/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.
$126/mo
Details
4.0
Best choice in Henderson, NVBased on 1,053 verified guest reviews and ratings
State Farm's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.72.9
Policy transparency3.93.1
Value3.72.9
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 3 Nevada reviews for Henderson driversSee all 411 State Farm reviews
Craig
Verified Review
I Am Satisfied
I rely on my local agent.
Raymond
Verified Review
Not a Good Experience
I would not recommend them. The agent was rude and condescending. My rates kept increasing for no good reason. I’ve been driving for 49 years with no tickets or accidents, and I drive very limited mileage—about 1,200 miles per year (retired).
David
Verified Review
Unhappy
No tickets, no claims, 60 years of safe driving. Now retired on a fixed income, driving about 10 miles a week. Corporate price gouging.
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.

Pros
  • Above-average customer satisfaction

  • Fewer customer complaints than average[9]

  • Highly rated mobile app

Cons
  • Gap insurance not available

  • Accident forgiveness not available

  • Poor Better Business Bureau (BBB) rating[8]

Find the Best Company for You

Local rates start as low as $60 per month.

Excellent
4.6 out of 5 based on 837 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Nevada Auto Insurance Requirements

A park in Henderson, Nevada

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.

How much is car insurance in Henderson?

expand/collapse

Henderson drivers pay an average monthly rate of $209 for car insurance, according to Compare.com data. Liability insurance costs an average of $165 per month, and full coverage costs an average of $253 per month.

What’s the cheapest auto insurance company in Henderson?

expand/collapse

Country Financial is the cheapest auto insurance company in Henderson, according to Compare.com data. Its rates start at $60 per month.

Is car insurance in Henderson expensive?

expand/collapse

It depends. Henderson drivers pay an average of $209 per month for car insurance, according to Compare.com data. In comparison, the national average is $143 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.

Why is auto insurance so high in Nevada?

expand/collapse

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

  1. United States Census Bureau. "Henderson, Nevada."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. J.D. Power. "2025 U.S. Auto Insurance Study."
  6. AM Best. "AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation."
  7. Trustpilot. "Allstate Reviews."
  8. Better Business Bureau. "State Farm Insurance Company."
  9. National Association of Insurance Commissioners. "Results by Complaint Index."
  10. Nevada Division of Insurance. "Understanding Auto Insurance."
  11. Insurance Information Institute. "Is it legal to drive without insurance?."
  12. 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.

Jamie Johnson
Writer: Jamie JohnsonInsurance Writer

Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.

For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Matthew Gross headshot
Editor: Matthew GrossEditor

Qualifications:
  • 5+ years in communications and content creation

  • 2+ years in insurance content


Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.