Average homeowners insurance cost in Nevada

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The average cost of home insurance in Nevada is $1,746 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Nationwide stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Homeowners insurance costs an average of $1,746 a year, based on our data.
Of all the ZIP codes in Nevada, 89135 has the most affordable home insurance rates at around $1,569 annually.
In Nevada, Nationwide provides the most affordable home insurance at an average annual premium of $1,324.

What is the average cost of homeowners insurance in Nevada?

Homeowners in Nevada pay an average of $1,746 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Nevada? Cost by coverage level

On average, homeowners in Nevada pay $1,746 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $2,172 in Nevada.

The table below shows average homeowners insurance costs in Nevada for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,295	$108
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,327	$111
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,746	$146
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,774	$148
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,172	$181
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,206	$184
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,097	$258
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,137	$261
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$4,239	$353
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$4,287	$357

Average home insurance cost in Nevada by insurer

The most affordable homeowners insurance in Nevada comes from Nationwide, which averages $1,324 per year. State Farm and CSAA Insurance (AAA) are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Nevada homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Nationwide	$1,324	$110
State Farm	$1,338	$111
CSAA Insurance (AAA)	$1,946	$162
Farmers	$1,973	$164
Country Financial	$2,061	$172
American Family	$2,244	$187
USAA*	$1,582	$132

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Nevada is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in Nevada?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Nevada.

Most affordable ZIP codes for home insurance in Nevada

The lowest rates in Nevada are found in 89135, where homeowners pay an average of $1,569 per year.

Where you live in Nevada has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Nevada.

ZIP code	Average annual rate	Average monthly rate
89135	$1,569	$131
89437	$1,572	$131
89040	$1,582	$132
89021	$1,583	$132
89440	$1,587	$132
89706	$1,596	$133
89436	$1,600	$133
89027	$1,606	$134
89701	$1,609	$134
89702	$1,610	$134

Most expensive ZIP codes for home insurance in Nevada

At the other end of the spectrum, 89004 has the highest average rates in Nevada at $1,941 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Nevada.

ZIP code	Average annual rate	Average monthly rate
89004	$1,941	$162
89044	$1,922	$160
89018	$1,918	$160
89054	$1,912	$159
89033	$1,911	$159
89032	$1,906	$159
89165	$1,905	$159
89113	$1,883	$157
89109	$1,882	$157
89011	$1,878	$156

Home 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 city

See rates in your city

How have home insurance rates changed in Nevada?

Home insurance rates in Nevada increase by 25% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$1,387	$1,395	$1,746

What are the best homeowners insurance companies in Nevada?

Based on our data, State Farm stands out as the top choice in Nevada. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Nevada by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$1,338	A+	1.15	4.71
Country Financial	$2,061	A+	0.23	4.66
Nationwide	$1,324	A	1.34	4.61
Farmers	$1,973	A	0.89	4.54
CSAA Insurance (AAA)	$1,946	A	1.31	4.52
American Family	$2,244	A	1.07	4.49
USAA*	$1,582	A++	0.46	4.81

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.