Best and cheapest home insurance in Nevada for 2024

Average home insurance cost in Nevada

The average cost of homeowners insurance in Nevada is $1,467 a year or $122 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Nevada homeowners insurance companies to get the best deal.

Best home insurance companies in Nevada

The best home insurance company in Nevada is State Farm, followed by Nationwide and Country Financial.

Below is a full list of the top Nevada insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Table

Best home insurance companies in Nevada
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.42	$1,346
Nationwide	A+	1.05	3.69	$1,158
Country Financial	A+	0.26	3.64	$2,159
American Family	A	0.80	3.48	$1,505
CSAA Insurance (AAA)	A	1.23	3.26	$1,676
Farmers	A	0.67	2.98	$1,641

Data updated in 2024

*USAA only provides coverage to military members, veterans and their families.

Cheapest home insurance companies in Nevada

Below are Nevada home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Nationwide has the most affordable rates for lower coverage levels.

Cheapest home insurance rates in Nevada by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Nationwide	$830	$1,158	$1,497	$2,250	$3,705
USAA*	$979	$1,234	$1,461	$1,878	$2,763
State Farm	$1,048	$1,346	$1,647	$2,389	$3,615
American Family	$1,172	$1,505	$1,779	$2,274	$3,132
Farmers	$1,138	$1,641	$2,179	$3,462	$5,961
CSAA Insurance (AAA)	$1,281	$1,676	$2,130	$3,113	$4,808
Country Financial	$1,680	$2,159	$2,661	$3,743	$5,681

Data updated in 2024

*USAA is only available to military members and their families

Nevada home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Nebraska to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Nevada Division of Insurance says...

Make sure to read every word of your policy, including any special amendments to the policy. Sometimes a policy may provide coverage of a risk in one section only to later exclude or limit it under certain conditions. Use a highlighter to mark any sections of your policy that you would like to reference later. Afterwards schedule an appointment to talk about these sections with your insurance agent or company.

- The Nevada Division of Insurance