- Average home insurance cost in Nevada
- Best home insurance companies in Nevada
- Cheapest home insurance companies in Nevada
- Nevada home insurance rates by ZIP code
- Nevada homeowners insurance rates by county
- Are home insurance rates going up in Nevada?
- Methodology
- Compare Nevada homeowners insurance rates with other states
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 Nationwide, followed by State Farm 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.
*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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| 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
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.
| 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 |
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.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare Nevada homeowners insurance rates with other states
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