Car insurance in Henderson, Nevada, costs about $429 a month ($5,149 a year) for full coverage for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the Nevada average of $407 a month; compare Henderson, NV, car insurance quotes for your own ZIP code. GEICO has the lowest full-coverage average among the four major insurers we compared (Allstate, CSAA, GEICO and Progressive), at about $369 a month.
Henderson, NV, costs about $79 a month less than Las Vegas for our benchmark driver, but about $22 a month more than the Nevada average. It’s the third-most expensive of the 24 Nevada cities and towns we price, after North Las Vegas and Las Vegas.
Our figures cover the eight ZIP codes with a Henderson mailing address that we price, and the Census Bureau’s maps place all eight at least partly in the City of Henderson. Full coverage runs from about $391 a month in 89002 to $462 in 89014, so check the ZIP code where your car is kept.
Cost data comes from the auto rates insurers file with state regulators, priced across all eight Henderson ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Henderson, NV?
The average cost of car insurance in Henderson, NV, is about $429 a month ($5,149 a year) for full coverage, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $2,505 a year ($209 a month), and 50/100/50 liability with comprehensive and collision averages $4,459 ($372 a month).
- Full coverage (100/300/100, $500 deductibles): $5,149 a year ($429 a month)
- 50/100/50 with $500 deductibles: $4,459 a year ($372 a month)
- Liability only (15/30/10): $2,505 a year ($209 a month)
- Clark County: $5,855 a year ($488 a month) for full coverage
- Nevada average: $4,889 a year ($407 a month) for full coverage
- ZIP code range: $391 (89002) to $462 (89014) a month for full coverage
Cheapest Car Insurance in Henderson, NV
Looking for cheap car insurance in Henderson, NV? GEICO and CSAA are about $19 a month apart for full coverage here, the closest race between the two lowest major insurers we compared in any of our three Nevada guides, so quote both.
- Lowest average among the four major insurers we compared, full coverage: GEICO, at about $369 a month ($4,433 a year).
- Next lowest among these four insurers: CSAA, at about $388 a month, then Progressive at $431.
- Lowest liability-only average among these four insurers (15/30/10): Progressive, at about $160 a month, then GEICO at $171.
- State Farm (Nov. 2025 rates)*: about $351 a month for full coverage, from its November 2025 rates.
- Also on our list: Country Financial at about $226 a month, USAA at $263, Travelers at $417, Farmers at $527 and American Family at $618 (USAA sells only to military families).
- Most expensive among these four insurers: Allstate, at about $528 a month, $1,902 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the four insurers in our Henderson rate data. The statewide Nevada rate studies dated 2026 that we reviewed most often rank Travelers cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families, and the other three each put a different insurer first. In our Henderson table, Travelers*, priced from those studies and scaled to our benchmark driver, comes in at about $417 a month, above GEICO’s $369, so we don’t name it. Country Financial* comes in lower, at about $226, but it leads only one of the seven studies, so we don’t name it either. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these four insurers, at about $160 a month, with GEICO close behind at $171.
Full-coverage averages by insurer in Henderson
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $2,056 | $171 | $4,433 | $369 |
| CSAA | $2,454 | $205 | $4,651 | $388 |
| Progressive | $1,925 | $160 | $5,177 | $431 |
| Allstate | $3,584 | $299 | $6,335 | $528 |
| State Farm (Nov. 2025 rates)* | $1,755 | $146 | $4,214 | $351 |
| Country Financial* | $1,231 | $103 | $2,715 | $226 |
| USAA (military families)* | $1,233 | $103 | $3,156 | $263 |
| Travelers* | $2,697 | $225 | $5,000 | $417 |
| Farmers* | $2,478 | $207 | $6,324 | $527 |
| American Family* | $3,016 | $251 | $7,420 | $618 |
| Henderson average | $2,505 | $209 | $5,149 | $429 |
This table uses Henderson ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Henderson, NV Car Insurance Rates by ZIP Code
Across the eight Henderson ZIP codes we price, full coverage for our driver ranges from about $391 a month in 89002 to $462 in 89014, a gap of $852 a year. The least expensive of the eight, 89002 and 89015, are on the city’s east side, while 89074 and 89014, on the northwest side, cost the most. 89044, the southernmost, averages about $427 a month.
Lowest-priced Henderson ZIP codes
Highest-priced Henderson ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Henderson’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 89002 | $2,308 | $192 | $4,697 | $391 | -9% |
| 89011 | $2,509 | $209 | $5,223 | $435 | +1% |
| 89012 | $2,455 | $205 | $5,000 | $417 | -3% |
| 89014 | $2,706 | $226 | $5,549 | $462 | +8% |
| 89015 | $2,299 | $192 | $4,837 | $403 | -6% |
| 89044 | $2,460 | $205 | $5,128 | $427 | About average |
| 89052 | $2,620 | $218 | $5,340 | $445 | +4% |
| 89074 | $2,681 | $223 | $5,419 | $452 | +5% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Henderson, NV?
Raising liability limits from 50/100/50 to 100/300/100 adds about $690 a year on average in our Henderson data, with the same $500 deductibles. That’s about $58 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Henderson, NV?
Yes, for our benchmark driver. Comparing the same insurers in the same Henderson ZIP codes, full coverage averaged $4,854 a year nine months earlier and $5,149 in rates as of Aug. 31, 2026, a 6.1% increase. GEICO raised its average 19.9% and Allstate 7.6%, while CSAA’s and Progressive’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits rose 7.3%, led by GEICO, which raised its liability-only average 20.1%.
What Shapes Car Insurance Costs in Henderson, NV
Henderson is in Clark County, which averages about $488 a month for full coverage, the most expensive of the 11 Nevada counties we price, but Henderson costs about $59 a month less than the county as a whole. Boulder City, about nine miles southeast, averages about $359 a month.
Prices rose faster here than in our other Nevada guides: comparing the same insurers, Henderson full coverage rose 6.1% over the past nine months, led by GEICO, which raised its average 19.9%. CSAA and Progressive charged the same as nine months earlier, and GEICO still has the lowest full-coverage average among these four insurers. Nevada insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Henderson, NV Car Insurance Compares With Other Nevada Cities
More Nevada cities and towns are in the Nevada rates by city table, and you can compare states on our car insurance rates by state page.
Las Vegas, about 13 miles northwest, averages $508 a month, and North Las Vegas $510. Reno, in northern Nevada, averages $285. Our Nevada car insurance rates guide compares every county and town we price.
What Car Insurance Is Required in Henderson, NV?
Drivers in Henderson follow Nevada’s rules. Every owner of a registered vehicle must keep liability insurance of at least:
- $25,000 per person and $50,000 per crash for injuries you cause to others
- $20,000 for damage you cause to other people’s property
The policy must be written for Nevada by an insurer authorized in the state, and the Nevada DMV checks coverage electronically. The liability-only prices on this page use 15/30/10 limits, Nevada’s minimum before July 1, 2018, so they’re lower than the law now requires. Our Nevada requirements guide covers the penalties for a lapse and for driving uninsured.
How to Lower Your Car Insurance Rate in Henderson, NV
- Compare GEICO and CSAA first. They have the two lowest full-coverage averages among the four major insurers we compared in Henderson, about $369 and $388 a month.
- Quote several insurers. Among the four major insurers we compared in Henderson, the lowest and highest averages are about $159 a month apart for the same driver and car.
- Check the state’s own rate comparison. The Nevada Division of Insurance’s yearly Consumer’s Guide to Auto Insurance Rates compares insurers’ prices for several sample drivers in nine Nevada ZIP codes, including ones in Las Vegas, Henderson and Reno.
- Compare at every renewal. Over the past nine months, GEICO has raised its average 19.9% and Allstate 7.6%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Henderson, then compare free home insurance quotes.
Ready to compare
How We Calculated Henderson, NV Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 32 full-coverage premiums from four insurers across eight Henderson ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count and benchmark: our Nevada averages come from four insurers, fewer than in most states, so they can move a lot when one insurer changes its prices. They’re for one benchmark driver and car with 100/300/100 liability limits, 100/300 uninsured motorist coverage and $500 deductibles, so other published averages that use other drivers, cars or coverage can differ. We publish our figures as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Nevada’s minimum has been 25/50/20 since July 1, 2018, so our liability-only prices use lower limits than the law requires. Before that date the minimum was 15/30/10, the limits our liability-only package uses. Nevada doesn’t require uninsured motorist or medical payments coverage, but insurers must offer both, and it has no personal injury protection requirement.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Nevada rate studies, scaled to our benchmark driver. They aren’t included in our averages. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nevada law and the Nevada Division of Insurance. We refresh these figures when new rate data is released.
Henderson, NV Car Insurance FAQ
Car insurance in Henderson, NV, costs about $429 a month ($5,149 a year) for full coverage and about $209 a month for liability-only coverage at 15/30/10 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Nevada average of $407 a month.
Among the four major insurers we compared, GEICO has the lowest full-coverage average in Henderson, at about $369 a month, with CSAA close behind at $388. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the four major insurers we compared, at about $160 a month. Travelers, which statewide Nevada rate studies most often rank cheapest, comes in at about $417 a month in our Henderson table once scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Henderson full coverage averages about $429 a month and Las Vegas about $508, a difference of about $79 a month ($946 a year) for the same driver and car.
In our data, 89002 has the lowest full-coverage average in Henderson, at about $391 a month, and 89014 the highest, at about $462. The ZIP code table on this page lists all eight.
In our Henderson data, full coverage (100/300/100 with $500 deductibles) averages about $429 a month and liability-only coverage at 15/30/10 limits about $209, a difference of about $220 a month ($2,644 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Nevada law doesn’t require full coverage, but a lender or leasing company may.
Yes. The Nevada Division of Insurance’s yearly Consumer’s Guide to Auto Insurance Rates compares insurers’ prices for several sample drivers in nine Nevada ZIP codes, including Henderson’s 89015, where full coverage averages about $403 a month for our benchmark driver. The guide’s drivers and coverage differ from ours, so use each source on its own terms.
Drivers in Henderson must carry Nevada’s minimum liability coverage: $25,000 per person and $50,000 per crash for injuries you cause and $20,000 for property damage (25/50/20), from an insurer authorized in Nevada. The DMV checks coverage electronically through NV LIVE, and even a one-day lapse while your plates are active can suspend your registration.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Henderson full coverage rose 6.1% over the past nine months, from about $4,854 to $5,149 a year. GEICO raised its average 19.9% and Allstate 7.6%. Liability-only coverage at 15/30/10 limits rose 7.3%.
For our benchmark driver, full coverage in Henderson averages about $429 a month. Nearby, Las Vegas averages about $508 and Reno about $285. Reno is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
