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


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ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceHenderson
2024

Cheapest and Best Car Insurance in Henderson

Why Trust MoneyGeek? Our analysis of auto insurance rates in Henderson is based on information from the Nevada Division of Insurance and Quadrant Information Services.

90,496Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Liability Car Insurance in Henderson

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Capital Insurance GroupAnnual Premium$491Monthly Premium$41
State FarmAnnual Premium$532Monthly Premium$44
NationwideAnnual Premium$601Monthly Premium$50
MercuryAnnual Premium$669Monthly Premium$56
ProgressiveAnnual Premium$673Monthly Premium$56
GEICOAnnual Premium$686Monthly Premium$57
TravelersAnnual Premium$857Monthly Premium$71
Country FinancialAnnual Premium$902Monthly Premium$75

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.

Cheapest Full Coverage Car Insurance in Henderson

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$984Monthly Premium$82
Capital Insurance GroupAnnual Premium$1,020Monthly Premium$85
NationwideAnnual Premium$1,137Monthly Premium$95
MercuryAnnual Premium$1,171Monthly Premium$98
American FamilyAnnual Premium$1,286Monthly Premium$107
GEICOAnnual Premium$1,310Monthly Premium$109
ProgressiveAnnual Premium$1,413Monthly Premium$118
FarmersAnnual Premium$1,417Monthly Premium$118

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.

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Cheapest Car Insurance in Henderson After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,089Monthly Premium$91
NationwideAnnual Premium$1,311Monthly Premium$109
Capital Insurance GroupAnnual Premium$1,351Monthly Premium$113
MercuryAnnual Premium$1,607Monthly Premium$134
American FamilyAnnual Premium$1,743Monthly Premium$145
FarmersAnnual Premium$1,812Monthly Premium$151
ProgressiveAnnual Premium$1,923Monthly Premium$160
GEICOAnnual Premium$1,939Monthly Premium$162

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.

Cheapest Car Insurance in Henderson for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$2,434Individual Plan Monthly Premium$8,251
State FarmFamily Plan Annual Premium$2,957Individual Plan Monthly Premium$6,408
AllstateFamily Plan Annual Premium$3,537Individual Plan Monthly Premium$19,711
Capital Insurance GroupFamily Plan Annual Premium$4,093Individual Plan Monthly Premium$9,827
TravelersFamily Plan Annual Premium$4,261Individual Plan Monthly Premium$14,409
FarmersFamily Plan Annual Premium$4,280Individual Plan Monthly Premium$25,021
GEICOFamily Plan Annual Premium$5,185Individual Plan Monthly Premium$21,279
KemperFamily Plan Annual Premium$5,238Individual Plan Monthly Premium$13,868

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.

Cheapest Car Insurance in Henderson for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$889Monthly Premium$74
State FarmAnnual Premium$984Monthly Premium$82
Capital Insurance GroupAnnual Premium$1,020Monthly Premium$85
NationwideAnnual Premium$1,137Monthly Premium$95
MercuryAnnual Premium$1,171Monthly Premium$98
American FamilyAnnual Premium$1,286Monthly Premium$107
GEICOAnnual Premium$1,310Monthly Premium$109
ProgressiveAnnual Premium$1,413Monthly Premium$118

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

MoneyGeeks'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:

Jun 18, 2024

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Best Car Insurance in Henderson: Summary

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.

Best Overall Car Insurance in Henderson

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.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

checkmark

Has high affordability and customer satisfaction scores

checkmark

Offers custom parts and full glass coverages

cons

close

Has a below average coverage score

close

Doesn’t offer rental car reimbursement or gap insurance

COMPANY HIGHLIGHTS

Capital Group Insurance provides a relatively small selection of coverage options and lacks many common coverages such as rental car reimbursement and gap insurance. However, it offers several coverages that are unavailable from most insurers.

One such option is full glass coverage, which can be added onto a comprehensive policy and specifically covers damage to your car's glass components, such as your windshield and windows.

If you have installed aftermarket upgrades to your vehicle, including a new navigation system or other custom add-ons, you may benefit from Capital Insurance Group's custom parts coverage. This option covers damage to accessories added to the vehicle that were not installed by the manufacturer.

Best Car Insurance in Henderson for Customer Service

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.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

checkmark

Has above average customer satisfaction claims management scores

checkmark

Provides custom parts coverage, full glass coverage and roadside assistance

cons

close

Poor coverage score

close

Does not offer accident forgiveness or new car replacement coverage

COMPANY HIGHLIGHTS

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

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.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

checkmark

Offers the most affordable minimum coverage policy in the state at $491 per year

checkmark

Offers good student discounts

checkmark

Top affordability and customer satisfaction scores

cons

close

Doesn’t offer bundling, multiple car or safe driving discounts

close

Poor coverage rating

COMPANY HIGHLIGHTS

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

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.