The Cheapest Auto Insurance Companies in Henderson, Nevada, in 2026
COUNTRY Financial is the cheapest insurer in Henderson, with rates starting at $56 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 $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 $56 per month.
Henderson drivers pay an average monthly rate of $161 for liability insurance and $241 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, March 31 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $56 |
| State Farm | $82 |
| Just Pay-Per-Mile | $109 |
| USAA | $115 |
| Allstate | $147 |
| Sun Coast | $152 |
| Mercury | $159 |
| Mendota | $180 |
| Safeco | $182 |
| Progressive | $186 |
| GEICO | $191 |
| Direct Auto | $194 |
| Trexis | $194 |
| Root | $195 |
| Just Unlimited | $206 |
| Farmers | $229 |
| Liberty Mutual | $235 |
| Nationwide | $236 |
| Bristol West | $253 |
| Travelers | $274 |
| American Family | $280 |
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, March 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 | $56 |
| Full coverage | COUNTRY Financial | $79 |
| Teens | COUNTRY Financial | $87 |
| Seniors | COUNTRY Financial | $44 |
| Recent speeding ticket | COUNTRY Financial | $76 |
| Recent at-fault accident | COUNTRY Financial | $76 |
| DUI conviction | COUNTRY Financial | $74 |
| Excellent credit | COUNTRY Financial | $50 |
| Poor credit | COUNTRY Financial | $65 |
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 $161 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, March 31 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumCOUNTRY Financial $56 State Farm $82 Just Pay-Per-Mile $109 USAA $115 Allstate $147 Sun Coast $152 Mercury $159 Mendota $180 Safeco $182 Progressive $186 GEICO $191 Direct Auto $194 Trexis $194 Root $195 Just Unlimited $206 Farmers $229 Liberty Mutual $235 Nationwide $236 Bristol West $253 Travelers $274 American Family $280 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 $241 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, March 31 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumCOUNTRY Financial $79 State Farm $117 Just Pay-Per-Mile $153 USAA $162 Safeco $203 Allstate $208 Mercury $230 Progressive $233 GEICO $249 Sun Coast $257 Root $271 Liberty Mutual $285 Just Unlimited $305 Mendota $307 Direct Auto $322 Farmers $325 Nationwide $335 Trexis $383 Travelers $389 American Family $398 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 $345 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, March 31 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumCOUNTRY Financial $87 State Farm $155 Just Pay-Per-Mile $187 USAA $207 Sun Coast $261 Allstate $284 Mercury $287 Mendota $309 Progressive $319 Root $327 GEICO $332 Trexis $333 Just Unlimited $354 Safeco $358 Direct Auto $364 Liberty Mutual $403 Bristol West $439 Farmers $445 Nationwide $450 American Family $516 Travelers $556 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 $168 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, March 31 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumCOUNTRY Financial $44 State Farm $63 Just Pay-Per-Mile $91 USAA $92 Allstate $117 Mercury $125 Sun Coast $127 GEICO $149 Mendota $151 Direct Auto $154 Progressive $156 Safeco $157 Root $160 Trexis $162 Just Unlimited $172 Nationwide $177 Farmers $179 Liberty Mutual $193 Bristol West $207 Travelers $215 American Family $220 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 $249 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, March 31 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumCOUNTRY Financial $76 State Farm $103 Just Pay-Per-Mile $135 USAA $148 Sun Coast $188 Allstate $190 Mercury $221 Mendota $223 Progressive $230 Safeco $238 Trexis $240 Direct Auto $241 GEICO $248 Just Unlimited $255 Root $258 Farmers $292 Liberty Mutual $297 Nationwide $304 Bristol West $316 Travelers $354 American Family $362 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 $257 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, March 31 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumCOUNTRY Financial $76 State Farm $107 Just Pay-Per-Mile $139 USAA $152 Allstate $194 Sun Coast $194 Mendota $230 Mercury $236 Progressive $238 GEICO $244 Trexis $248 Safeco $250 Root $256 Direct Auto $260 Just Unlimited $263 Farmers $300 Liberty Mutual $307 Nationwide $312 Bristol West $327 Travelers $362 American Family $369 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 $254 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, March 31 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumCOUNTRY Financial $74 State Farm $113 Just Pay-Per-Mile $138 USAA $158 Sun Coast $192 Allstate $202 Mendota $227 Mercury $228 Progressive $235 Trexis $245 GEICO $259 Just Unlimited $260 Direct Auto $267 Safeco $267 Root $269 Farmers $315 Liberty Mutual $323 Nationwide $324 Bristol West $348 Travelers $377 American Family $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 $237.
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, March 31 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumCOUNTRY Financial $65 State Farm $115 Just Pay-Per-Mile $128 USAA $136 Allstate $176 Sun Coast $179 Mercury $189 Mendota $212 Safeco $218 Progressive $219 GEICO $228 Trexis $229 Direct Auto $232 Root $233 Just Unlimited $243 Liberty Mutual $273 Farmers $274 Nationwide $282 Bristol West $303 American Family $325 Travelers $328
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. | $115/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. | $162/mo |
4.4
Best choiceBased on 149 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 69 USAA reviews
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.
Verified Review
Reviewed in Florida on February 21, 2026
Fair price.
Verified Review
Reviewed in Georgia on February 15, 2026
Very good. Reliable. Comprehensive.
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 | 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. | $147/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. | $208/mo |
4.2
Best choiceBased on 446 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 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 177 Allstate reviews
Verified Review
Reviewed in Pennsylvania on March 17, 2026
Very easy to work with the agent, very good at their job. Prices could be better.
Verified Review
Reviewed in Texas on March 4, 2026
The price just keeps rising, which is really hard for seniors.
Verified Review
Reviewed in Kentucky on March 4, 2026
Easy to talk with and always available.
…
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 | 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. | $82/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. | $117/mo |
4.0
Best choiceBased on 753 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 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 318 State Farm reviews
Verified Review
Reviewed in Ohio on April 1, 2026
They raised my rate by $38.00 a month with no explanation. I'm looking for new insurance!
Verified Review
Reviewed in Illinois on March 19, 2026
Very good, but prices are going up.
Verified Review
Reviewed in New York on March 16, 2026
They are very friendly and helpful. They offer the cheapest price I've found.
…
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.
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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 $201 for car insurance, according to Compare.com data. Liability insurance costs an average of $161 per month, and full coverage costs an average of $241 per month.
COUNTRY Financial is the cheapest auto insurance company in Henderson, according to Compare.com data. Its rates start at $56 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 $136 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