Cheap Car Insurance in Henderson, Nevada (2022)

The cheapest car insurance companies in Henderson: State Farm at $75 a month, and Progressive at $109.

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When shopping for affordable auto insurance, drivers in Henderson, Nevada, need to look no further than State Farm and Progressive.

The average cost for minimum-coverage car insurance in Henderson is $133 a month. State Farm will save you money thanks to its average rate of $75 per month. Progressive offers minimum-coverage policies at an average of $109 per month.

In this article

Best car insurance companies in Henderson

State Farm is our pick for best car insurance company in Henderson, Nevada. State Farm offers the most affordable rates for drivers in each category we reviewed and should be the first place you look when shopping for auto insurance.

Progressive, GEICO and USAA also offer competitive car insurance rates in various categories. Depending on the coverage you’re looking for, these companies can offer big savings compared to the city average.

Who has the cheapest car insurance in Henderson?

State Farm and Progressive offer the cheapest car insurance rates to Henderson drivers looking for state-minimum coverage. With State Farm, the average minimum-coverage car insurance rate is $75 per month and $897 per year. Progressive’s average premium for a minimum-coverage policy is $109 per month, or $1,313 annually.

In comparison to the city average of $133 a month and $1,598 annually, Henderson residents can save big with State Farm and Progressive.

CHEAPEST MINIMUM CAR INSURANCE IN HENDERSON
Company Annual rate Monthly rate
State Farm $897 $75
Progressive $1,313 $109
USAA $1,384 $115
GEICO $1,442 $120
Allstate $1,670 $139
American Family $1,736 $145
CSAA $1,967 $164
Farmers $2,375 $198
City average $1,598 $133
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A minimum-coverage car insurance policy will meet Henderson, Nevada’s car insurance requirements for personal injury protection, uninsured motorist and liability coverage.

The savings do not stop there. State Farm offers the cheapest full-coverage car insurance rates in Henderson, too, at $123 per month. This is $10 per month less than the city average for minimum coverage.

Progressive’s average rates for full-coverage policies in Henderson are $183 per month and $2,199 per year. Though more expensive than what State Farm tends to charge, it’s still far below the city average of $216 per month or $2,595 per year.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN HENDERSON
Company Annual rate Monthly rate
State Farm $1,480 $123
Progressive $2,199 $183
GEICO $2,243 $187
USAA $2,374 $198
American Family $2,388 $199
Allstate $2,840 $237
Farmers $3,455 $288
CSAA $3,781 $315
City average $2,595 $216
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance satisfies Nevada state minimum-coverage requirements plus includes collision and comprehensive protections.

It is often wise to consider full-coverage auto insurance. If your car is expensive, new or the repair cost could be expensive in the unlucky event of an accident, full-coverage insurance might be in your best interest even if your lender or leasing company does not require it.

Cheapest car insurance for drivers with a DUI in Henderson

If you’re a Henderson driver with a DUI on your record, you can find the cheapest rates with State Farm and Progressive. State Farm offers drivers in this category a yearly premium of $1,624 and a monthly premium of $135. Progressive offers a yearly premium of $3,492 and a monthly premium of $291.

CHEAPEST CAR INSURANCE WITH A DUI
Company Annual rate Monthly rate
State Farm $1,624 $135
Progressive $3,492 $291
GEICO $4,662 $389
USAA $5,061 $422
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Henderson, Nevada, drivers with one DUI pay an average of $4,266 yearly and $356 monthly for full-coverage car insurance. Also, drivers with a DUI on their driving record may be required to have full coverage for a time. With either type of coverage (full or minimum), price shopping for an affordable rate is a good idea.

Compare rates from top car insurance companies

Cheapest car insurance for drivers with an accident history in Henderson

Drivers in Henderson with one accident on their driving record will find the cheapest rates for full-coverage car insurance at State Farm and USAA. With State Farm, drivers pay a monthly average of $147 and a yearly average of $1,767.

USAA drivers pay an average monthly premium of $275 and an average yearly premium of $3,302. But USAA is only available to current and former military members and their qualifying family members.

CHEAPEST CAR INSURANCE AFTER AN ACCIDENT
Company Annual rate Monthly rate
State Farm $1,767 $147
USAA $3,302 $275
GEICO $3,739 $312
Progressive $3,901 $325
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Shopping around and comparing car insurance quotes from several companies is always important, but it’s especially important if you have an accident on your record. Henderson drivers with one accident on their driving record can expect to pay an average monthly rate of $336 and an average yearly rate of $4,034 for full-coverage car insurance protection.

Cheapest car insurance for drivers with a speeding ticket in Henderson

State Farm and GEICO offer the most affordable car insurance rates to drivers in Henderson with one speeding ticket on their driving record. State Farm offers average premiums of $135 per month or $1,624 per year. GEICO offers Henderson drivers an average monthly premium of $225 and average annual premium of $2,694.

CHEAPEST CAR INSURANCE WITH A SPEEDING TICKET
Company Annual rate Monthly rate
State Farm $1,624 $135
GEICO $2,694 $225
USAA $2,786 $232
American Family $2,854 $238
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

While speeding tickets are common, they could cost you a significant amount of money in the long run. According to Pahrump Valley Times and the Nevada Office of Traffic Safety, two-thirds of 5,137 speeding tickets given out in 2021 for the state of Nevada were written in Clark County (including towns like Henderson).

In Henderson, drivers with one speeding ticket pay an average of $267 per month for full-coverage car insurance, compared to $123 per month with no tickets.

Where can I get the cheapest car insurance for teen drivers in Henderson?

Teen drivers in Henderson who have a clean driving record can find the cheapest rates with State Farm and GEICO. State Farm again takes the top spot with the most affordable premiums — at an average of $223 per month. GEICO comes in second with an average monthly premium of $305.

CHEAPEST MINIMUM CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
State Farm $2,673 $223
GEICO $3,660 $305
USAA $3,760 $313
CSAA $5,198 $433
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Henderson, teenage drivers pay $505 per month on average for minimum-coverage car insurance.

Henderson teen drivers get the cheapest full-coverage car insurance rates from State Farm and GEICO as well. With State farm, teen drivers pay an average of $386 per month for full-coverage policies. GEICO charges Henderson teens an average of $513 per month.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
State Farm $4,636 $386
GEICO $6,160 $513
USAA $6,569 $547
CSAA $10,190 $849
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Teen drivers in Henderson pay an average of $857 per month for full-coverage car insurance.

Where can I get the cheapest car insurance for senior drivers in Henderson?

Senior drivers can find the lowest minimum-coverage car insurance rates in Henderson from State Farm and Progressive.

State Farm offers seniors an average monthly premium of $72 for minimum-coverage policies. With Progressive, seniors can get minimum coverage for an average of $103 per month. For these rates, senior drivers must have a clean driving record — zero tickets, accidents or DUIs.

CHEAPEST MINIMUM CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
State Farm $863 $72
Progressive $1,230 $103
USAA $1,304 $109
GEICO $1,519 $127
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

On average, senior drivers who are 60 years old in Henderson pay $128 per month for minimum-coverage car insurance.

State Farm and Progressive again offer big savings to senior drivers who want full coverage. State Farm offers seniors full-coverage car insurance for an average monthly premium of $117. Progressive offers senior drivers the same type of coverage for an average of $174 a month.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
State Farm $1,403 $117
Progressive $2,090 $174
American Family $2,147 $179
USAA $2,187 $182
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The average 60-year-old driver in Henderson pays $202 per month for full-coverage car insurance.

What are Henderson’s car insurance requirements?

Nevada requires drivers to carry a minimum amount of car insurance coverage. The minimum amount of coverage you must carry in the state is 25/50/20.

This means Nevada drivers must carry at least:

  • $25,000 of bodily liability coverage per person
  • $50,000 of bodily liability coverage per accident
  • $20,000 of property damage liability coverage

Recommended coverage

Minimum coverage meets Nevada’s car insurance requirements and may be the cheapest way to insure your vehicle. However, minimum coverage alone will not take care of potentially big costs in the event of an accident.

Choosing full-coverage car insurance could save you money in the long run. Without collision or comprehensive coverage, you may be left with the financial responsibility of paying for uncovered damages and medical bills in the event of an accident.

To better protect yourself and your family, QuoteWizard recommends 100/300/100 car insurance:

  • Individual body injury liability: $100,000
  • Total bodily injury liability:$300,000
  • Property damage liability: $100,000

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Henderson ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Nevada’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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