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.

Best home insurance companies in Nevada
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
USAAA++$1,2020.414.66
NationwideA+$1,1670.754.2
American FamilyA$1,3210.63.99
FarmersA$1,6100.333.85
Country FinancialA+$1,8550.143.84
State FarmA++$1,3461.073.75
CSAA Insurance (AAA)A$2,1241.132.25

*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.

Cheapest home insurance rates in Nevada by coverage level
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.

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 Florida
$200,000
$200,000 $300,000 $400,000 $500,000 $600,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least expensive

ZIP CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

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 codeAverage 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 codeAverage annual rates
89703$1,303
89143$1,304
89436$1,318
89701$1,318
89706$1,319
89441$1,321

Compare homeowners insurance rates by city in Nevada

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Nevada.

CityAnnual insurance premium
Boulder City
$1,078
Elko
$1,015
Fernley
$1,040
Henderson
$1,076
Las Vegas
$1,114
Mesquite
$1,075
North Las Vegas
$1,111
Reno
$1,014
Sparks
$1,005

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