Average homeowners insurance cost in Nevada

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Homeowners in Nevada pay an average of $1,444 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Nationwide offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Nevada at $1,444 per year.
Of all ZIP codes analyzed in Nevada, 89701 has the lowest average home insurance rates at around $1,302 annually.
On the insurer side, Nationwide offers the most affordable average premiums in Nevada, coming in at $1,134 per year.

What is the average cost of homeowners insurance in Nevada?

Homeowners in Nevada pay an average of $1,444 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

Homeowners insurance in Nevada costs $1,444 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and 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 a $1,000 deductible.

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 $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

Average home insurance cost in Nevada by insurer

The most affordable homeowners insurance in Nevada comes from Nationwide, which averages $1,134 per year. State Farm and American Family 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	$1,134	$94
State Farm	$1,339	$112
American Family	$1,490	$124
Farmers	$1,609	$134
CSAA Insurance (AAA)	$1,618	$135
Country Financial	$2,144	$179
USAA*	$1,234	$103

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

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Nevada.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

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

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Nevada.

Most affordable ZIP codes for home insurance in Nevada

89701 has the lowest average home insurance rates in Nevada, with homeowners paying around $1,302 per year.

Home insurance rates aren’t uniform across Nevada. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

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

ZIP code	Average annual rate	Average monthly rate
89701	$1,302	$109
89702	$1,303	$109
89703	$1,318	$110
89143	$1,332	$111
89557	$1,336	$111
89138	$1,339	$112
89412	$1,342	$112
89131	$1,344	$112
89436	$1,345	$112
89441	$1,348	$112

Most expensive ZIP codes for home insurance in Nevada

89109 carries the highest average home insurance rates in Nevada, at $1,766 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Nevada.

ZIP code	Average annual rate	Average monthly rate
89109	$1,766	$147
89101	$1,751	$146
89104	$1,720	$143
89121	$1,718	$143
89119	$1,713	$143
89169	$1,705	$142
89106	$1,700	$142
89030	$1,633	$136
89004	$1,605	$134
89032	$1,592	$133

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

What are the best homeowners insurance companies in Nevada?

Our data points to American Family as the best overall pick in Nevada, thanks to its AM Best rating of A and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Nevada compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
American Family	$1,490	A	0.37	5
Nationwide	$1,134	A+	0.87	4.85
Farmers	$1,609	A	0.54	4.57
State Farm	$1,339	A++	0.95	4.53
Country Financial	$2,144	A+	0.26	4.32
CSAA Insurance (AAA)	$1,618	A	1.23	4

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

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.