Home Renters insurance Renters insurance cost Average renters insurance cost in Nevada Average renters insurance cost in Nevada Discover the average cost of renters insurance in Nevada and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 3, 2026 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. In Nevada, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $263 annually or $22 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Nevada is $263 per year or $22 per month.CSAA Insurance (AAA) provides the least expensive renters insurance in Nevada at an average rate of $194 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Nevada. Average renters insurance cost in Nevada per monthThe average cost of renters insurance in Nevada is $22 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$22$2 lessPowered by:Average renters insurance cost in Nevada by companyAccording to our data, CSAA Insurance (AAA) provides the most affordable renters insurance in Nevada, with an average annual rate of $194, followed by State Farm and Universal Insurance Co.Getting quotes from multiple renters insurance companies in Nevada is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Nevada.CompanyAverage annual rateAverage monthly rateCSAA Insurance (AAA)$194$16State Farm$242$20Universal Insurance Co$253$21American Family$283$24Country Financial$286$24Farmers$286$24Nationwide$329$27USAA*$164$14*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Nevada Select your state Nevada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $247/year Estimated renters insurance rates in Nevada $21 Monthly renters insurance cost in Nevada -9% Compared to national average Get quotes Average cost of renters insurance in Nevada by coverage levelThe average annual cost of renters insurance in Nevada is $263, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $205 a year for renters insurance in Nevada. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Nevada for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$214$18$20,000 with $500 Deductible and $300,000 Liability$228$19$20,000 with $1,000 Deductible and $100,000 Liability$191$16$20,000 with $1,000 Deductible and $300,000 Liability$205$17$40,000 with $500 Deductible and $100,000 Liability$279$23$40,000 with $500 Deductible and $300,000 Liability$295$25$40,000 with $1,000 Deductible and $100,000 Liability$247$21$40,000 with $1,000 Deductible and $300,000 Liability$263$22$60,000 with $500 Deductible and $100,000 Liability$352$29$60,000 with $500 Deductible and $300,000 Liability$368$31$60,000 with $1,000 Deductible and $100,000 Liability$312$26$60,000 with $1,000 Deductible and $300,000 Liability$328$27Powered by:Average cost of renters insurance in Nevada by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Nevada.Renters insurance rates in Nevada by citySee rates in your cityLas VegasMesquitePahrumpRenoSparksAverage cost of renters insurance in Nevada by ZIP codeThe cost of renters insurance in Nevada varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Nevada.Most affordable ZIP codes for renters insurance in NevadaHow much Nevada renters pay for insurance depends on the ZIP code they live in. 89801 is the most affordable ZIP code for renters insurance in Nevada among all the ZIP codes analyzed, at $240 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Nevada.ZIP codeCityAverage annual rateAverage monthly rate89801Elko$240$2089445Winnemucca$241$2089706Carson City$243$2089423Johnson Lane$244$2089428Silver City$244$2089506Reno$245$2089436Sparks$245$2089444Topaz Ranch Estates$245$2089410Gardnerville$247$2189460Gardnerville Ranchos$247$21Powered by: Least affordable ZIP codes for renters insurance in NevadaYour ZIP code, among other factors, affects how much you pay for renters insurance in Nevada. 89169 is the least affordable ZIP code for Nevada renters at an average cost of $284 a year or $24 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Nevada. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate89169Paradise$284$2489109Winchester$284$2489145Las Vegas$283$2489081North Las Vegas$283$2489156Sunrise Manor$279$2389122Whitney$279$2389118Spring Valley$278$2389139Enterprise$277$2389011Henderson$277$2389135Summerlin South$277$23Powered by: Final thoughts: Average renters insurance in NevadaRenters insurance is essential for residents of Nevada. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.Shivani 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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in NevadaBest and cheapest homeowners insurance companies in NevadaCost of Living in Nevada in 2025How much does condo insurance cost in Nevada in 2025? 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Most Americans don’t 1/1 Related Articles $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates By Chris Kissell On this page Average renters insurance cost in Nevada per monthAverage renters insurance cost in Nevada by companyAverage cost of renters insurance in Nevada by coverage levelAverage cost of renters insurance in Nevada by cityAverage cost of renters insurance in Nevada by ZIP codeFinal thoughts: Average renters insurance in Nevada ZIP Code Please enter valid ZIP See rates (844) 761-9316