Cheapest and Best Car Insurance in Henderson, NV (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.