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 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: December 3, 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. Renters insurance costs in Nevada vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Nevada is $246 per year or $21 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Nevada is $246 per year or $21 per month.CSAA Insurance (AAA) provides the least expensive renters insurance in Nevada at an average rate of $153 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 monthIn Nevada, the average cost of renters insurance is $21 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$21$1 lessPowered by:Average renters insurance cost in Nevada by companyRenters in Nevada can find the most budget-friendly insurance with CSAA Insurance (AAA), which has an average annual cost of $153, according to our data. Other affordable options include Universal Insurance Co and American Family.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Nevada.CompanyAverage annual rateAverage monthly rateCSAA Insurance (AAA)$153$13Universal Insurance Co$239$20American Family$239$20State Farm$243$20Farmers$258$21Country Financial$287$24Nationwide$300$25USAA*$145$12*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 $233/year Estimated renters insurance rates in Nevada $19 Monthly renters insurance cost in Nevada -6% Compared to national average Get quotes Average cost of renters insurance in Nevada by coverage levelAs we discussed above, the average cost of renters insurance in Nevada is $246 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $192 per year for renters insurance in Nevada, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Nevada for personal property coverage amounts 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$200$17$20,000 with $500 Deductible and $300,000 Liability$213$18$20,000 with $1,000 Deductible and $100,000 Liability$179$15$20,000 with $1,000 Deductible and $300,000 Liability$192$16$40,000 with $500 Deductible and $100,000 Liability$262$22$40,000 with $500 Deductible and $300,000 Liability$275$23$40,000 with $1,000 Deductible and $100,000 Liability$233$19$40,000 with $1,000 Deductible and $300,000 Liability$246$21$60,000 with $500 Deductible and $100,000 Liability$327$27$60,000 with $500 Deductible and $300,000 Liability$341$28$60,000 with $1,000 Deductible and $100,000 Liability$290$24$60,000 with $1,000 Deductible and $300,000 Liability$304$25Powered by:Average cost of renters insurance in Nevada by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Nevada.Renters insurance rates in Nevada by citySee rates in your cityLas VegasMesquitePahrumpRenoSparksAverage cost of renters insurance in Nevada by ZIP codeRenters insurance costs in Nevada vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.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 $224 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$224$1989445Winnemucca$224$1989428Silver City$226$1989423Indian Hills$227$1989706Carson City$227$1989506Golden Valley$227$1989436Spanish Springs$227$1989444Topaz Ranch Estates$227$1989503Reno$228$1989430Smith$229$19Powered by: Least affordable ZIP codes for renters insurance in NevadaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Nevada is 89101, with an average cost of $275 a year or $23 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Nevada. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate89101Las Vegas$275$2389030North Las Vegas$275$2389109Las Vegas$274$2389032North Las Vegas$273$2389121Las Vegas$271$23Powered by:Final thoughts: Average renters insurance in NevadaRenters insurance is a must-have for renters in Nevada. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.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$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/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 Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel 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