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
Graph
Table
Best home insurance companies in Nevada
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.42$1,346
NationwideA+1.053.69$1,158
Country FinancialA+0.263.64$2,159
American FamilyA0.803.48$1,505
CSAA Insurance (AAA)A1.233.26$1,676
FarmersA0.672.98$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
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358
ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El 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

The 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 codeAverage Annual Premium
89109$1,793
89101$1,777
89104$1,746
89121$1,744
89119$1,739
89169$1,732
Data updated in 2024

The least expensive ZIP codes in Nevada for home insurance

The cheapest ZIP codes for home insurance in Nevada are:

ZIP codeAverage annual rate
89701$1,324
89702$1,324
89706$1,340
89703$1,340
89143$1,356
89557$1,358
Data updated in 2024

Nevada homeowners insurance rates by county

Home insurance rates in Nevada vary by county. Take a look at the average rates by county in Nevada below to see how costs compare.

Map
Table
Average annual premium
$1,332
$1,531
CountyAverage annual premiumAverage 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
Data updated in 2024

Are home insurance rates going up in Nevada?

Home insurance rates are going up across the nation. Nevada's Division of Insurance (DOI) has approved insurance rate hikes for approximately a dozen companies, as reported by Fox5Vegas. The outlet reported the increases could impact approximately 130,000 Nevadans. The rate hikes will affect owner-occupied homeowners insurance policies, combination policies (when your homeowners and auto insurance policies are bundled), condo, mobile home, and renters insurance.

The increases range from less than a tenth of a percent for owner-occupied combination policies from Travelers to just over 45% for the same type of policies with Farmers.

Some of the companies approved for rate increases include:

  • Acuity A Mutual Insurance Company
  • American Modern Property and Casualty Insurance
  • Country Preferred Insurance Company
  • Farmers Property and Casualty Insurance Company
  • Foremost Insurance Company Grand Rapids Michigan
  • Hartford Accident and Indemnity
  • Hartford Fire
  • Hartford Insurance Company of the Midwest
  • Homesite
  • Mercury Casualty Company
  • Privilege Underwriters Reciprocal Exchange
  • Root Insurance Company
  • State Farm
  • Travelers Property Casualty Insurance Company
  • Trumbull Insurance Company

A spokesperson for the Nevada DOI gave Fox5 Vegas several reasons for the rate increases, including increases in construction and labor costs, reinsurance costs, as well as an increase in both the frequency and severity of severe weather.

Compare Nevada homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
California
$1,380/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
Show more
Tip iconHelpful home insurance tools and calculators
Tip icon You might also be interested in