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.
| 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 |
*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.
| 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 |
*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 TexasMost & 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 |
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 InsuranceThe most expensive ZIP codes in Nevada for home insurance
Nevada homeowners insurance rates are the most expensive for ZIP code 89109 with an average annual cost of $1,793.
The most expensive ZIP codes in Nevada are:
| ZIP code | Average Annual Premium |
|---|---|
| 89109 | $1,793 |
| 89101 | $1,777 |
| 89104 | $1,746 |
| 89121 | $1,744 |
| 89119 | $1,739 |
| 89169 | $1,732 |
The least expensive ZIP codes in Nevada for home insurance
The cheapest ZIP codes for home insurance in Nevada are:
| ZIP code | Average annual rate |
|---|---|
| 89701 | $1,324 |
| 89702 | $1,324 |
| 89706 | $1,340 |
| 89703 | $1,340 |
| 89143 | $1,356 |
| 89557 | $1,358 |
Nevada homeowners insurance rates by county
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Carson City | $1,332 | $111 |
| Churchill | $1,401 | $117 |
| Clark | $1,531 | $128 |
| Douglas | $1,432 | $119 |
| Elko | $1,430 | $119 |
| Esmeralda | $1,429 | $119 |
| Eureka | $1,432 | $119 |
| Humboldt | $1,403 | $117 |
| Lander | $1,429 | $119 |
| Lincoln | $1,453 | $121 |
| Lyon | $1,425 | $119 |
| Mineral | $1,412 | $118 |
| Nye | $1,444 | $120 |
| Pershing | $1,410 | $117 |
| Storey | $1,381 | $115 |
| Washoe | $1,405 | $117 |
| White Pine | $1,428 | $119 |
Compare Nevada homeowners insurance rates with other states
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