USAA is the best homeowners insurance company in Nevada for military veterans and their families, based on a 2023 analysis by Insurance.com, with an overall rating of 4.66. Nationwide is the best home insurance company in Nevada for non-military members, with an overall rating of 4.2.
Nationwide offers the cheapest home insurance in Nevada at $1,167 a year.
With so many options out there, it is not easy to choose a homeowners insurance company in Nevada. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
- The average cost of homeowners insurance in Nevada is $1,457 a year or $121 a month.
- The cheapest homeowners insurance company in Nevada is Nationwide. It offers home insurance at an average of $1,167 a year.
- USAA ranked as the best insurance company for military veterans and Nationwide ranked as the best insurance company for non-military members in Nevada based on rates, complaints and financial stability.
Average home insurance cost in Nevada
The average cost of homeowners insurance in Nevada is $1,457 a year or $121 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, 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 for 2023 is USAA, followed by Nationwide and American Family.
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| USAA | A++ | $1,202 | 0.41 | 4.66 |
| Nationwide | A+ | $1,167 | 0.75 | 4.2 |
| American Family | A | $1,321 | 0.6 | 3.99 |
| Farmers | A | $1,610 | 0.33 | 3.85 |
| Country Financial | A+ | $1,855 | 0.14 | 3.84 |
| State Farm | A++ | $1,346 | 1.07 | 3.75 |
| CSAA Insurance (AAA) | A | $2,124 | 1.13 | 2.25 |
*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, while USAA is cheaper for others.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Nationwide | $837 | $1,167 | $1,508 | $1,885 | $2,270 |
| USAA | $954 | $1,202 | $1,422 | $1,632 | $1,827 |
| American Family | $1,043 | $1,321 | $1,549 | $1,763 | $1,962 |
| State Farm | $1,048 | $1,346 | $1,647 | $2,030 | $2,389 |
| Farmers | $1,092 | $1,610 | $2,166 | $2,793 | $3,458 |
| Country Financial | $1,448 | $1,855 | $2,282 | $2,720 | $3,202 |
| CSAA Insurance (AAA) | $1,608 | $2,124 | $2,636 | $3,107 | $3,560 |
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.
The most expensive ZIP codes in Nevada for home insurance
Nevada homeowners insurance rates are the most expensive for ZIP code 89169 with an average annual cost of $1,779.
The most expensive ZIP codes in Nevada are:
| ZIP code | Average annual rates |
|---|---|
| 89169 | $1,779 |
| 89101 | $1,774 |
| 89109 | $1,770 |
| 89106 | $1,744 |
| 89119 | $1,731 |
| 89104 | $1,725 |
The least expensive ZIP codes in Nevada for home insurance
The cheapest ZIP codes for home insurance in Nevada are:
| ZIP code | Average annual rates |
|---|---|
| 89703 | $1,303 |
| 89143 | $1,304 |
| 89436 | $1,318 |
| 89701 | $1,318 |
| 89706 | $1,319 |
| 89441 | $1,321 |
