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 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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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
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In This Article
Car insurance in Henderson, Nevada, costs an average of $201 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 $162 for liability insurance and $240 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 are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $58 |
| State Farm | $84 |
| USAA | $118 |
| Allstate | $151 |
| Sun Coast | $154 |
| Mercury | $162 |
| Safeco | $190 |
| Direct Auto | $194 |
| Root | $194 |
| GEICO | $206 |
| Farmers | $235 |
| Nationwide | $242 |
| Bristol West | $250 |
| Liberty Mutual | $264 |
| Travelers | $282 |
| American Family | $288 |
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 {{lastUpdated}}.
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 | $75 |
| Teens | COUNTRY Financial | $91 |
| Seniors | COUNTRY Financial | $45 |
| Recent speeding ticket | COUNTRY Financial | $79 |
| Recent at-fault accident | COUNTRY Financial | $78 |
| DUI conviction | COUNTRY Financial | $76 |
| Excellent credit | COUNTRY Financial | $51 |
| Poor credit | COUNTRY Financial | $68 |
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 {{lastUpdated}}.
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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 $162 per month. The table below highlights Henderson’s cheapest insurers for liability-only coverage, based on Compare.com data.
Cheapest Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $240 per month. The table below shows the five cheapest companies for full coverage in Henderson, based on Compare.com data.
Cheapest Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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.
Cheapest Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $164 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.
Cheapest Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $247 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.
Cheapest Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $258 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.
Cheapest Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $256 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.
Cheapest Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $241.
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.
Cheapest Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | 4.3 |
|---|---|
| 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. | $116/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. | $150/mo |
4.3
Best choiceBased on 128 verified guest reviews and ratings
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
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
Reviews (66)
Louis
Verified Review
Bait and Switch Pricing
Reviewed in Georgia on January 26, 2026
Prices rise after initial purchase even though there have been no claims or violations.
Lonny
Verified Review
SCAM
Reviewed in Georgia on September 10, 2025
Be sure all the numbers match your conversation with the agent! My outcome is $80 more a month than when I purchased the plan!
Clifford
Verified Review
Rate hikes yet again. Leaving USAA after 28 years.
Reviewed in Arizona on July 19, 2025
They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM 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 | 3.6 |
|---|---|
| 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. | $148/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. | $193/mo |
3.6
A solid optionBased on 392 verified guest reviews and ratings
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
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
Reviews (171)
Larry
Verified Review
Good
Reviewed in California on January 15, 2026
I looked at four other insurance companies, and Allstate was approximately the same price as all of them. I have only been with Allstate for three days, so I don't have any experience with them yet.
Charles
Verified Review
After updating my profile, I saved $170.00 a month on the same policy.
Reviewed in Alabama on January 14, 2026
Always check to be sure you are getting the best price they offer.
Steven J
Verified Review
Excellent
Reviewed in Tennessee on January 13, 2026
Found better coverage at a lower cost.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
633NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02AM 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 | 3.9 |
|---|---|
| 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. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
3.9
A solid optionBased on 657 verified guest reviews and ratings
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
Best For
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
Best For
Reviews (309)
Arthur
Verified Review
The Save & Drive Pod Doesn't Save Much
Reviewed in Illinois on January 25, 2026
Not sure where to place the Drive Safe app on the fob in the vehicle. One month I save a little, the next month it's up again. I don't drive every day like most. I'm retired and have this new truck, which I don't see ever putting on the national average miles. I may drive it once or twice a month. Yet my savings don't reflect that. I've been insured with State Farm since I was 17. I'm 62. I should be saving a lot more.
Joann
Verified Review
Not good at all
Reviewed in Georgia on January 22, 2026
Bad customer service, no discounts, overpriced, and they do not care about their customers. My mom had been with them for 56 years, and they would not assist her or give her time to get the information she needed. They talked really horribly to her. I got coverage for 3 cars for less than the amount they were charging me for 3. I have no tickets or DUIs, and they gave me no discounts. I will never use their service again or refer anyone I know.
David
Verified Review
Unhappy
Reviewed in Nevada on January 10, 2026
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.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM 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.
Find the Best Company for You
Local rates start as low as $58 per month.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Nevada Auto Insurance Requirements
)
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 $201 for car insurance, according to Compare.com data. Liability insurance costs an average of $162 per month, and full coverage costs an average of $240 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 $201 per month for car insurance, according to Compare.com data. In comparison, the national average is $137 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]
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.
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."
- National Association of Insurance Commissioners. "Results by Complaint Index."
- Better Business Bureau. "State Farm Insurance Company."
- Nevada Division of Insurance. "Understanding Auto Insurance."
- Insurance Information Institute. "Is it legal to drive without insurance?."
- Nevada Division of Insurance. "Auto Insurance FAQs."
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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 is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.