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 $205 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 $164 for liability insurance and $246 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: Monday, August 31 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $58 |
| State Farm | $85 |
| Just Pay-Per-Mile | $113 |
| USAA | $119 |
| Sun Coast | $153 |
| Mercury | $162 |
| Safeco | $177 |
| Mendota | $182 |
| Allstate | $186 |
| GEICO | $186 |
| Direct Auto | $192 |
| Root | $193 |
| Trexis | $200 |
| Just Unlimited | $215 |
| Progressive | $220 |
| Farmers | $239 |
| Liberty Mutual | $239 |
| Bristol West | $255 |
| Travelers | $285 |
| American Family | $292 |
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 Monday, August 31 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 | $82 |
| Teens | Country Financial | $87 |
| Seniors | Country Financial | $46 |
| Recent speeding ticket | Country Financial | $77 |
| 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 .
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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 $164 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: Monday, August 31 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumCountry Financial $58 State Farm $85 Just Pay-Per-Mile $113 USAA $119 Sun Coast $153 Mercury $162 Safeco $177 Mendota $182 Allstate $186 GEICO $186 Direct Auto $192 Root $193 Trexis $200 Just Unlimited $215 Progressive $220 Farmers $239 Liberty Mutual $239 Bristol West $255 Travelers $285 American Family $292 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 $246 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: Monday, August 31 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumCountry Financial $82 State Farm $120 Just Pay-Per-Mile $163 USAA $168 Safeco $196 Mercury $231 GEICO $241 Progressive $261 Sun Coast $263 Root $269 Liberty Mutual $284 Allstate $302 Mendota $302 Just Unlimited $322 Direct Auto $327 Farmers $336 Trexis $375 Bristol West $402 Travelers $402 American Family $411 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 $344 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: Monday, August 31 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumCountry Financial $87 State Farm $158 Just Pay-Per-Mile $190 USAA $209 Sun Coast $257 Root $277 Mercury $283 Mendota $306 Allstate $313 GEICO $323 Trexis $336 Safeco $347 Direct Auto $359 Just Unlimited $361 Progressive $370 Liberty Mutual $400 Bristol West $431 Farmers $457 American Family $527 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 $175 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: Monday, August 31 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumCountry Financial $46 State Farm $66 USAA $96 Just Pay-Per-Mile $97 Mercury $127 Sun Coast $131 GEICO $147 Safeco $153 Mendota $156 Direct Auto $156 Allstate $159 Trexis $171 Root $177 Just Unlimited $184 Progressive $188 Farmers $188 Liberty Mutual $197 Bristol West $211 Travelers $227 American Family $232 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 $250 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: Monday, August 31 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumCountry Financial $77 State Farm $106 Just Pay-Per-Mile $138 USAA $151 Sun Coast $187 Mercury $221 Mendota $222 Root $227 Allstate $227 Safeco $230 Direct Auto $239 GEICO $241 Trexis $244 Just Unlimited $262 Progressive $269 Liberty Mutual $300 Farmers $302 Bristol West $318 Travelers $364 American Family $372 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 $260 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: Monday, August 31 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumCountry Financial $78 State Farm $111 Just Pay-Per-Mile $143 USAA $157 Sun Coast $194 Mendota $231 Allstate $236 Mercury $237 Root $237 Safeco $241 GEICO $242 Trexis $254 Direct Auto $257 Just Unlimited $273 Progressive $279 Liberty Mutual $312 Farmers $315 Bristol West $332 Travelers $379 American Family $387 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 $260 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: Monday, August 31 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumCountry Financial $76 State Farm $115 Just Pay-Per-Mile $143 USAA $161 Sun Coast $194 Mendota $231 Mercury $233 Allstate $236 GEICO $253 Trexis $254 Direct Auto $259 Root $261 Safeco $264 Just Unlimited $273 Progressive $279 Farmers $323 Liberty Mutual $323 Bristol West $344 American Family $377 Travelers $385 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 $236.
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: Monday, August 31 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumCountry Financial $68 State Farm $119 Just Pay-Per-Mile $130 USAA $142 Sun Coast $176 Mercury $190 Mendota $210 Safeco $211 Allstate $214 GEICO $222 Direct Auto $229 Root $230 Trexis $230 Just Unlimited $248 Progressive $253 Liberty Mutual $274 Farmers $285 Bristol West $304 Travelers $323 American Family $339
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. | $119/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. | $168/mo |
4.3
Best choice in Henderson, NVBased on 204 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 84 USAA reviews
Verified Review
Reviewed in North Carolina on August 23, 2026
They’re really good about paying out when you make a claim, but they’ve gotten crazy expensive. Also, you hear different info about their pricing with every new customer service rep.
Verified Review
Reviewed in North Carolina on August 22, 2026
I've been with them for over 20 years. I had a car accident claim, and the service was horrible.
Verified Review
Reviewed in Texas on August 16, 2026
Pricing and value for your money are poor. Home insurance has become way too expensive. USAA sends you a notice saying they’re renewing your policy, but they don’t clearly tell you what changes they’ve made. When someone says they are renewing your policy, most people assume the contract is the same and they are agreeing to renew it with you. However, USAA makes changes, and it’s up to you to read the entire contract and find any changes they may have made.
I personally went from a $1,000 deductible to a 2% deductible and didn’t know it until I made a claim. Now I’ve learned that every six months you have to read the entire contract to see if USAA has made any changes. I’ve lost faith in this company and will only remain with them until I find another company.
I’ve also found that if you file a car claim, your insurance will go up at the next renewal. USAA has come under new management, and since then the pricing and customer service have gone down. I’m looking for a company that’s truly concerned about the welfare of its members and dedicated to the people they should be serving.
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 | 4.2 |
|---|---|
| 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. | $302/mo |
4.2
Best choice in Henderson, NVBased on 569 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.1 | 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 208 Allstate reviews
Verified Review
Reviewed in Washington on August 31, 2026
Been with them for 30+ years, have no claims, and have a clean driving record. I drive less than 20 miles a day and still have high premiums.
Verified Review
Reviewed in New Jersey on August 28, 2026
They need to reassess the cost for seniors.
Verified Review
Reviewed in Michigan on August 26, 2026
Unhappy.
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. | $85/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. | $120/mo |
4.0
Best choice in Henderson, NVBased on 976 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 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 382 State Farm reviews
Verified Review
Reviewed in Texas on September 1, 2026
Expensive.
Verified Review
Reviewed in New Mexico on August 27, 2026
Good. 5 stars.
Verified Review
Reviewed in Ohio on August 26, 2026
They keep raising prices.
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 $205 for car insurance, according to Compare.com data. Liability insurance costs an average of $164 per month, and full coverage costs an average of $246 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 $205 per month for car insurance, according to Compare.com data. In comparison, the national average is $142 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