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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 month

The average cost of renters insurance in Nevada is $21 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
$21$1 less

Average renters insurance cost in Nevada by company

According to our data, CSAA Insurance (AAA) provides the most affordable renters insurance in Nevada, with an average annual rate of $153, followed by Universal Insurance Co and American Family.

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 rate
CSAA Insurance (AAA)$153$13
Universal Insurance Co$239$20
American Family$239$20
State Farm$243$20
Farmers$258$21
Country Financial$287$24
Nationwide$300$25
USAA$145$12

Renters insurance calculator in Nevada

$233/year
Estimated renters insurance rates in Nevada
$19
Monthly renters insurance cost in Nevada
-6%
Compared to national average

Average cost of renters insurance in Nevada by coverage level

On average, Nevada renters pay $246 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Nevada to $192 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are 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$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$25

Average cost of renters insurance in Nevada by city

Renters 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 vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Average cost of renters insurance in Nevada by ZIP code

In Nevada, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Nevada

The amount Nevada renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 89801 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $224.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Nevada.

ZIP codeCityAverage annual rateAverage monthly rate
89801Elko$224$19
89445Winnemucca$224$19
89428Silver City$226$19
89423Indian Hills$227$19
89706Carson City$227$19
89506Golden Valley$227$19
89436Spanish Springs$227$19
89444Topaz Ranch Estates$227$19
89503Reno$228$19
89430Smith$229$19

Least affordable ZIP codes for renters insurance in Nevada

Your ZIP code, among other factors, affects how much you pay for renters insurance in Nevada. 89101 is the least affordable ZIP code for Nevada renters at an average cost of $275 a year or $23 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 rate
89101Las Vegas$275$23
89030North Las Vegas$275$23
89109Las Vegas$274$23
89032North Las Vegas$273$23
89121Las Vegas$271$23

Final thoughts: Average renters insurance in Nevada

Renters 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.

How much is renters insurance in other states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Idaho$184/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Missouri$231/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
New York$293/Year
Ohio$252/Year
Oklahoma$281/Year
Oregon$288/Year
Pennsylvania$274/Year
Rhode Island$476/Year
South Dakota$202/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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Shivani Gite
Contributing Writer

 
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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.

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