Country Financial offers the most affordable full coverage auto insurance in Henderson, Nevada. For families with teens, Nationwide provides the most competitive rates. When it comes to customer service, Capital Insurance Group excels, also securing the title of best overall for balancing price and quality. The right choice depends on your unique needs and coverage preferences.
Cheapest and Best Car Insurance in Henderson, NV (2024)
Updated: December 19, 2024
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Key Takeaways
In Henderson, Nevada, Country Financial offers the most affordable minimum coverage car insurance at $488 per year, presenting a potential annual savings of $1,770 compared to Dairyland's most expensive policy at $2,258, highlighting the importance of comparing providers to secure the best deal.
In Henderson, Nevada, comparing full coverage car insurance rates reveals substantial savings potential, with Country Financial offering the lowest premium at $875 annually, compared to Dairyland's highest at $4,588, highlighting the importance of shopping around to secure the best deal and potentially saving $3,713 each year.
In Henderson, Nevada, the most affordable full coverage car insurance for military drivers is offered by Country Financial at $875 per year, followed by Capital Insurance Group at $1,037 per year, with Country Financial providing the best value for those seeking economical coverage options.
Why Trust MoneyGeek? We analyzed 90,496 quotes from 16 companies in Nevada, including the city of Henderson. We used 6 sources and original research to rate the cheapest companies and develop a scoring system for Henderson insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Henderson, NV, as of August 2024.
90,496Quotes Analyzed
16Companies Compared
Cheapest Minimum Coverage Car Insurance in Henderson
Country Financial offers the most affordable option for minimum coverage car insurance in Henderson. Find the cheapest car insurance to protect your vehicle without breaking the bank.
- Country Financial: $488 per year
- Capital Insurance Group: $548 per year
Dairyland offers the most costly minimum coverage in Henderson, with an annual premium of $2,258. This is substantial when compared to Country Financial, the cheapest, which indicates a difference of $1,770 annually. The significant variance in rates emphasizes the need to shop around for car insurance to ensure you're getting the best deal possible.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
| Country Financial | $488 | $41 |
| Capital Insurance Group | $548 | $46 |
| Nationwide | $601 | $50 |
| Progressive | $772 | $64 |
| Mercury | $786 | $65 |
| State Farm | $811 | $68 |
| Travelers | $820 | $68 |
| American Family | $980 | $82 |
| GEICO | $1,002 | $83 |
| Kemper | $1,274 | $106 |
| Farmers | $1,299 | $108 |
| Nevada General Insurance | $1,337 | $111 |
| CSAA | $1,463 | $122 |
| Allstate | $1,792 | $149 |
| Dairyland | $2,258 | $188 |
State Minimum Liability Requirements
In Nevada, from Henderson to every other city, state law sets the car insurance minimums. Here's the scoop on what's required:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage liability per accident
Let's say you're insured and crash into someone, injuring them. Your minimum coverage will kick in to pay up to $25,000 for that person's injuries and up to $50,000 total if multiple people are hurt. Go over that, and you're paying from your own pocket.
Cheapest Full Coverage Car Insurance in Henderson
Country Financial offers the most affordable cheapest full coverage car insurance in Henderson.
- Country Financial: $875 per year
- Capital Insurance Group: $1,037 per year
Dairyland has the most expensive policy at $4,588 annually, a staggering difference of $3,713 when compared to Country Financial. Full coverage policies tend to be pricier due to the comprehensive protection it provides, covering a wide array of incidents beyond mere collision.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Country Financial | $875 | $73 |
| Capital Insurance Group | $1,037 | $86 |
| Mercury | $1,076 | $90 |
| Nationwide | $1,136 | $95 |
| Travelers | $1,405 | $117 |
| State Farm | $1,431 | $119 |
| American Family | $1,450 | $121 |
| Progressive | $1,749 | $146 |
| GEICO | $1,948 | $162 |
| Farmers | $2,007 | $167 |
| Nevada General Insurance | $2,333 | $194 |
| Kemper | $2,690 | $224 |
| Allstate | $2,714 | $226 |
| CSAA | $2,980 | $248 |
| Dairyland | $4,588 | $382 |
Do You Need Full Coverage in Henderson?
A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.
Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.
If you have a new vehicle, opt for full coverage for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.
The additional cost may not be justifiable for older models since the potential benefits may not outweigh the expense. Striking the right balance is key when deciding how much car insurance you need; higher coverage leads to increased premiums, but with lower coverage, you run the risk of being inadequately insured.
Cheapest Car Insurance in Henderson After a Driving Offense
Country Financial is the cheapest car insurance company for drivers with various driving offenses in Henderson.
- Speeding Ticket: Country Financial ($1,108 per year)
- At-Fault accident: Country Financial ($1,252 per year)
- DUI: Country Financial ($1,537 per year)
Dairyland has the highest rates for the three offenses. The price difference highlights how infractions impact car insurance rates, with the cheapest rate after a speeding ticket being $1,108, compared to the cheapest after a DUI at $1,584 — a significant $476 annual difference.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| Country Financial | $1,108 | $92 |
| Nationwide | $1,312 | $109 |
| Capital Insurance Group | $1,373 | $114 |
| Mercury | $1,509 | $126 |
| State Farm | $1,584 | $132 |
| American Family | $2,020 | $168 |
| Travelers | $2,021 | $168 |
| Progressive | $2,380 | $198 |
| Farmers | $2,568 | $214 |
| Nevada General Insurance | $2,620 | $218 |
| GEICO | $2,927 | $244 |
| Allstate | $3,056 | $255 |
| Kemper | $3,302 | $275 |
| CSAA | $4,273 | $356 |
| Dairyland | $6,240 | $520 |
In Henderson, and similarly in other cities, insurance premiums typically jump when a driver’s record includes significant infractions due to the heightened risk insurers must assume. For example, drivers with a speeding ticket face an average annual premium of $3,080, while those with a DUI have a substantial increase, on average, to $3,818. This notable discrepancy underlines the importance of comparing insurance rates, especially for individuals with driving offenses, to ensure they secure the best possible financial terms.
Cheapest Car Insurance in Henderson for Teens and Their Families
Nationwide offers the cheapest car insurance for families with teen drivers for both male and female teens in Henderson.
- Nationwide: $2,434 per year for female teens and $2,623 per year for male teens
- State Farm: $2,957 per year for female teens and $3,682 per year for male teens
These rates are for a teen added to an existing family policy. Progressive holds the record for the most expensive teen family policy in the city, with female teen rates at $5,493 — a stark $3,059 more annually than Nationwide's offer.
Data filtered by:Results filtered by:
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Age:16
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Gender:Female
| Nationwide | $2,434 | $5,254 |
| State Farm | $2,957 | $4,049 |
| Allstate | $3,537 | $12,078 |
| Capital Insurance Group | $4,093 | $5,830 |
| Travelers | $4,261 | $8,979 |
| Farmers | $4,280 | $14,230 |
| GEICO | $5,185 | $10,180 |
| Kemper | $5,238 | $10,065 |
| Progressive | $5,493 | $14,408 |
In Henderson, it's economical for teens to join a family plan at $4,531. Individual policy runs an average of $10,497. The considerable disparity comes from the inherent risk insurers associate with inexperienced, teenage drivers.
Cheapest Car Insurance in Henderson for Military Drivers
Country Financial is the cheapest car insurance for military personnel and their families in Henderson, followed by Capital Insurance Group.
- Country Financial: $875 per year
- Capital Insurance Group: $1,037 per year
Although USAA did not rank as the cheapest option with an annual premium of $1,305, it is known for its exceptional service that caters specifically to the needs of active-duty military members. Those eligible for USAA services can expect tailored insurance solutions.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Country Financial | $875 | $73 |
| Capital Insurance Group | $1,037 | $86 |
| Mercury | $1,076 | $90 |
| Nationwide | $1,136 | $95 |
| USAA | $1,305 | $109 |
| Travelers | $1,405 | $117 |
| State Farm | $1,431 | $119 |
| American Family | $1,450 | $121 |
| Progressive | $1,749 | $146 |
| GEICO | $1,948 | $162 |
| Farmers | $2,007 | $167 |
| Nevada General Insurance | $2,333 | $194 |
| Kemper | $2,690 | $224 |
| Allstate | $2,714 | $226 |
| CSAA | $2,980 | $248 |
| Dairyland | $4,588 | $382 |
How to Compare Cheap Henderson Car Insurance Quotes Online
Manually comparing quotes online can take time and effort. You’ll have to input a lot of personal data for each estimate, and the process can take 15 minutes or longer.
MoneyGeek offers an online insurance calculator that can quickly provide a rough estimate based on basic data like your age, driving record, car type and preferred coverage.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
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Rates updated:
Dec 21, 2024
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Best Car Insurance in Henderson: Overview
Choosing the ideal auto insurance for you involves weighing factors like service, cost and coverage. In Henderson, Capital Insurance Group leads in all categories and has top MoneyGeek scores.
- Best overall: 91 out of 100
- Best for service: 88 out of 100
- Best cheap: 92 out of 100
Capital Insurance Group emerges as a standout across multiple categories, satisfying the need for value, cost-efficiency and service quality.
Best Overall Car Insurance in Henderson
Capital Insurance Group offers the best option in Henderson for car insurance, providing top-notch policies for savvy drivers. When shopping for the best car insurance, it's clear that the following providers lead the market:
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($1,037 per year)
- American Family: MoneyGeek score of 84 out of 100 ($1,450 per year)
Capital Insurance Group distinguishes itself for its high-quality full coverage policies, predominantly attributable to its exceptional Satisfaction and Affordability scores. Offering comprehensive protection at a reasonable cost makes it a standout choice for vehicle owners in Henderson.
Best OverallCapital Insurance Group
MoneyGeek Score:
92/ of 100
Overview
Capital Insurance Group's high scores showcase its commitment to customer contentment (30 out of 30), affordability (29 out of 30) and efficient claims processing (20 out of 20). But, it falls slightly short by not offering some common coverages like rental car and/or travel reimbursement.
However, it provides roadside assistance and both full glass and custom parts coverage. Full glass coverage offers convenient repair services, without the need for the customer to travel. Custom parts coverage is particularly beneficial, ensuring that vehicle repairs maintain high-quality integrity with brand-specific replacements.
Capital Insurance Group stands as a leading choice for consumers prioritizing top-tier service and a robust selection of coverage options.
Best Car Insurance in Henderson for Customer Service
Capital Insurance Group is the best option in Henderson for top-notch car insurance customer service, thanks not just to high levels of policyholder satisfaction but also to their exceptional claims handling and comprehensive coverages.
- Capital Insurance Group: MoneyGeek score of 88 out of 100 ($1,037 per year)
- American Family: MoneyGeek score of 83 out of 100 ($1,450 per year)
Capital Insurance Group ensures customers in Henderson receive the support and attention they while achieving affordability.
Best for Customer ServiceCapital Insurance Group
MoneyGeek Score:
88/ of 100
Overview
Capital Insurance Group’s customer service is one of its biggest strengths, but its downside is its lack of common coverage options. For example, the company offers neither accident forgiveness nor new car replacement coverage.
However, Capital Insurance Group does offer roadside assistance, an essential coverage that policyholders can utilize if their vehicle breaks down. With this coverage, drivers can access Capital Insurance Group's 100-Mile Roadside Express Service, which features 24/7 Emergency Rescue. The company will cover towing your car up to 100 miles and can also help with other mechanical issues like flat tires and dead batteries.
It also offers a few less common coverages, including custom parts coverage and full glass coverage. The former provides protection for aftermarket improvements made to the car, while the latter allows for the replacement or repair of auto glass without requiring a deductible.
Best Cheap Car Insurance Companies in Henderson
Capital Insurance Group is the best option in Henderson for consumers seeking affordable and reliable car insurance.
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($548 per year)
- American Family: MoneyGeek score of 81 out of 100 ($980 per year)
Capital Insurance Group stands out due to an outstanding blend of high affordability and customer satisfaction, reflected in its leading MoneyGeek score. This score is particularly impressive for a minimum coverage policy, cementing Capital Insurance Group as the front-runner in providing cost-effective and dependable car insurance solutions.
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
92/ of 100
Overview
Capital Insurance Group offers the most affordable minimum coverage policies in Henderson. In addition, the company's high customer satisfaction ratings mean that it receives fewer complaints than most of its competitors and provides quality service to its clients.
One drawback to its affordability is that it doesn't provide many opportunities for policyholders to further reduce their premiums. The only discount that Capital Insurance Group offers is a good student discount, which allows eligible students to receive a discount of up to 20% if they keep their cumulative grade point average at a "B" or higher.
The company doesn’t offer common discounts that are offered by many competitors, such as safe driving, multiple car and bundling discounts.
Average Cost of Car Insurance in Henderson
In Henderson, Nevada, the average cost of car insurance is $1,981. This figure is marginally higher than the state average of Nevada, which stands at $1,966. When compared to the national average of $1,781, Nevada's average car insurance cost is noticeably higher by $185.
Car insurance premiums are affected by various factors, including location. Traffic volume, weather conditions, rate of theft and other accidents also affect insurance costs. The city with the most expensive premium in Nevada is Sunrise Manor, with a premium of $2,537, while Sparks has the least expensive premium at $1,338. Areas with less traffic density, often non-urban, might see even lower rates.
| Enterprise | $2,250 |
| Henderson | $1,981 |
| Las Vegas | $2,216 |
| North Las Vegas | $2,330 |
| Paradise | $2,336 |
| Reno | $1,352 |
| Sparks | $1,338 |
| Spring Valley | $2,398 |
| Sunrise Manor | $2,537 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.