Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Nevada Average homeowners insurance cost in Nevada Homeowners insurance in Nevada costs $1,444 per year or $120 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Nevada is $1,444 a year. Continue reading to learn more about homeowners insurance rates in Nevada by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $1,444 a year, based on Insure.com analysis.Of all the ZIP codes in Nevada, 89701 has the most affordable home insurance rates at around $1,302 annually.In Nevada, Nationwide provides the most affordable home insurance at an average annual premium of $1,134. Average home insurance cost in Nevada by coverage levelThe average cost of homeowners insurance in Nevada is $1,444 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,827 per year for homeowners insurance in Nevada for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Nevada for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,072 $89 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,093 $91 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,444 $120 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,467 $122 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,827 $152 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,853 $154 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,676 $223 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,707 $226 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,264 $355 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,304 $359 Homeowners insurance companies in Nevada decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in NevadaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Nevada based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that American Family received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAmerican Family$1,490A0.375Nationwide$1,134A+0.874.85Farmers$1,609A0.544.57State Farm$1,339A++0.954.53Country Financial$2,144A+0.264.32CSAA Insurance (AAA)$1,618A1.234Average homeowners insurance cost by company in NevadaNationwide has the cheapest homeowners insurance rates in Nevada. Its average annual cost for Nevada homeowners is $1,134. State Farm and American Family also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Nevada with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateNationwide$1,134$94State Farm$1,339$112American Family$1,490$124Farmers$1,609$134CSAA Insurance (AAA)$1,618$135Country Financial$2,144$179USAA$1,234$103Nevada homeowners insurance rates by ZIP codeInsurance providers in Nevada factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Nevada, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in NevadaHome insurance costs vary across different areas in Nevada. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 89701 ZIP code has the lowest home insurance rates in Nevada, at $1,302 annually or $109 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Nevada.ZIP codeAverage annual rateAverage monthly rate89701$1,302$10989702$1,303$10989703$1,318$11089143$1,332$11189557$1,336$11189138$1,339$11289412$1,342$11289131$1,344$11289436$1,345$11289441$1,348$112Most expensive ZIP codes for home insurance rates in NevadaIn Nevada, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 89109 ZIP pay the highest insurance rates in Nevada, with an average annual premium of $1,766.Below is a list of some of the most expensive ZIP codes in Nevada for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate89109$1,766$14789101$1,751$14689104$1,720$14389121$1,718$14389119$1,713$14389169$1,705$14289106$1,700$14289030$1,633$13689004$1,605$13489032$1,592$133Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Nevada by cityFernleyIncline VillageLas VegasMesquitePahrumpRenoSilver SpringsSparksWest WendoverYeringtonShow moreHome insurance rate trend in NevadaWe analyzed home insurance rate trends in Nevada and found that homeowners insurance rates experienced an overall increase of only 1% or $11, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,193$1,433$1,444To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Nevada.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional 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$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Nevada Average renters insurance cost in Nevada Average car insurance cost in Nevada Non-owner car insurance in Nevada How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? 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