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

The cheapest auto insurance company in Henderson, NV, is Capital Insurance Group, although the most affordable company for you will depend on your driving profile and needs. Capital Insurance Group is also the best provider overall and the best for customer service. State Farm offers the cheapest policies for full coverage insurance and for drivers will violations. Meanwhile, USAA is the least expensive for military personnel, and Nationwide is the cheapest for teens.

The following auto insurers offer the most affordable minimum coverage policies in Henderson:

• Capital Insurance Group: $491 per year
• State Farm: $532 per year

Dairyland has the most expensive minimum coverage policies at $2,200 per year. When looking at the cheapest auto insurance in Nevada, the best rates are offered by State Farm. Location can have a significant impact on auto insurance rates.

Nevada law requires the following liability limits for minimum coverage policies:

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

A minimum coverage policy only includes coverage for injuries and property damage sustained by the other driver in the event of an at-fault accident. If you have minimum coverage in Nevada and are at fault in an accident, your insurance would cover $25,000 in medical costs for each passenger, up to a maximum of $50,000. You would be responsible for any additional expenses.

The most affordable full coverage auto insurance policies in Henderson are offered by the following providers:

• State Farm: $984 per year
• Capital Insurance Group: $1,020 per year

Dairyland is the most costly auto insurer in Henderson, charging $4,459 a year for full coverage. State Farm also offers the cheapest car insurance for full coverage in Nevada at $682 per year.

In addition to the state-mandated minimum coverage, full coverage policies also include collision and comprehensive insurance:

• Collision Insurance: Covers damages to your own vehicle caused by collisions with other cars or objects.
• Comprehensive Insurance: Provides coverage for damages to your car caused by events other than collisions, including vandalism, theft and flooding.

It may not be worth paying hundreds of dollars more per year for a full coverage policy for older vehicles that are likely lower in value.

Drivers in Henderson with traffic violations on their record will find the best rates from the following providers:

• Speeding ticket: State Farm ($1,089 per year)
• At-fault accident: State Farm ($1,194 per year)
• DUI: State Farm ($1,089 per year)

Dairyland is the most expensive auto insurer after a driving offense, charging an average of $7,494 per year after an at-fault accident, $6,570 after a DUI and $6,064 after a speeding ticket.

Poor driving records can significantly impact insurance rates — even the cheapest rates for bad records won't be as low as those for safe driving records.

Auto insurance rates typically increase based on the severity of the violation. For example, Henderson drivers with a DUI can expect to pay $515 more in annual premiums than those who incur a speeding ticket. However, it's still possible to find cheap auto insurance with a bad driving record.

The most affordable auto insurance companies in Henderson for teens on a family policy are:

• 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 $3,680 per year for male teens

Teen rates at Progressive are the most expensive at $5,493 per year and $5,826 per year for female and male teens, respectively.

Male teens on a family policy in Henderson, NV, can expect to pay roughly $190 more per year than female teens. Rates for male teens tend to be higher as they are seen as riskier to insure, but this difference levels off as they become young adults.

Insurance rates are much higher for teens if they buy individual policies. For example, a male teenager in Henderson would be looking at roughly an additional $5,150 per year for an individual policy versus a family policy. Researching the cheapest teen auto insurance can save families thousands of dollars every year.

In Henderson, the following providers offer the cheapest full coverage auto insurance for military personnel and their families:

• USAA: $889 per year
• State Farm: $984 per year

For minimum coverage policies, USAA still comes out on top at $464 per year, while Capital Insurance Group takes second place at $491 per year.

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.

The best car insurance company for you will always depend on your preference for cost, service coverage and other considerations. Here are our selections for the best car insurance companies in Henderson, NV:

• Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
• Best for service: Capital Insurance Group (MoneyGeek score 68 out of 100)
• Best cheap: Capital Insurance Group (MoneyGeek score 83 out of 100)

A company's total MoneyGeek score may vary depending on how various factors are scored in each category.

Capital Insurance Group is also one of the best car insurance providers in Nevada. For policyholders with a military connection, USAA is a great option thanks to its MoneyGeek score of 85 and its military-specific offerings.

MoneyGeek found that the best overall auto insurance providers in Henderson are:

• Capital Insurance Group: MoneyGeek score 82 out of 100 ($1,020 per year)
• American Family: MoneyGeek score 78 out of 100 ($1,286 per year)

Capital Insurance Group has excellent affordability and customer satisfaction ratings, meaning that it offers policies at a competitive price while providing top-notch customer service.

USAA, which has an overall MoneyGeek rating of 85 out of 100, is the best option for active or veteran military families.

Without taking cost into account, the following Henderson auto insurance companies scored best for customer service:

• Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,020 per year)
• Country Financial: MoneyGeek score 65 out of 100 ($1,620 per year)

Capital Insurance Group has a very high customer satisfaction score as well as a good claims management rating. It’s also one of the most affordable insurers in the city, so customers don't need to pay a high premium for good service.

Based on an analysis of cost and customer service for minimum coverage policies that adhere to Nevada's requirements, the top insurance providers in Henderson are:

• Capital Insurance Group: MoneyGeek score 83 out of 100 ($491 per year)
• State Farm: MoneyGeek score 77 out of 100 ($532 per year)

The cheapest minimum coverage options offer the lowest rates, but they also provide the least liability protection and do not cover any damage to your own vehicle in the event of an accident.

The average cost of auto insurance in Henderson is $1,779 per year — only $34 more than the average annual cost of car insurance in Nevada ($1,745) but $514 more expensive than the national average ($1,265) as of October 2022. Location is one of several variables that impact the cost of auto insurance.

These rates are calculated based on full coverage insurance with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.