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Who Has the Cheapest Homeowners Insurance Quotes in Nevada?

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We evaluated homeowners insurance quotes for a sample 2,000 square foot home in 31 cities in the state of Nevada in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample property, Nevada homeowners pay on average $808 per year for home insurance. Home insurance prices in Nevada vary by over 30% between the cities in our study. Below we profile a few cities in the state of Nevada. Read more about our findings, or use our quote tool above to find homeowners insurance quotes in your area.

Cheapest Home Insurance Companies in Nevada

We gathered quotes for our sample home across 31 cities from State Farm, Farmers, and Allstate. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in Nevada. The graph below shows the average annual costs to insure our sample home by company alongside the state average:

Best Home Insurance Companies in Nevada

Find the Cheapest Homeowners Insurance Quotes in Your Area

Best Homeowners Insurance Rates in Nevada's Largest Cities

We evaluated homeowners insurance rates across the largest cities in Nevada. Our study implemented control variables to gather quotes that can be compared to one another. On average, homeowners in the ten largest cities pay 4% less than the rest of the state on homeowners insurance. Based on our research, the cost for homeowners insurance in the ten largest cities was an average of $775 per year.

Las Vegas, NV

Las Vegas, the largest city in the state of Nevada, is world-renowned for its nightlife and entertainment. Las Vegas is a vibrant city that has more than 150 casinos and over 150,000 hotel rooms. The McCarran International Airport, located in Las Vegas, is one of the busiest airports in the United States. Our study shows that the average cost of home insurance in Las Vegas is $778 per year, which is $30 less than the state mean.

Farmers offered the most affordable home insurance quote in Las Vegas at an annual cost of $612. State Farm, the most expensive insurer in the city, quoted our sample home an annual cost of $1,003, which is $391 greater than Farmers. State Farm was the only insurer in Las Vegas who quoted a rate higher than the state mean.

Cheapest and Best Homeowners Insurance Companies in Las Vegas, Nevada

Henderson, NV

Henderson is the second largest city in the state of Nevada. The city is located approximately 16 miles southeast of Las Vegas. Various higher education institutions call the area home including Nevada State College, the College of Southern Nevada, and Touro University. Residents of Henderson pay an average of $832 for homeowners insurance annually, which is 3% greater than the state average.

The most affordable home insurance rate in the area was offered by Allstate at $696. The second most affordable rate was offered by State Farm at $778, which is $82 greater than Allstate’s quote. Farmers, the most expensive insurer in the area, offered a quote that is $214 greater than the state mean.

Best Homeowners Insurance Rates in Henderson

Reno, NV

Reno is the third most populous city in the state of Nevada. The city is known for its various casinos and its proximity to the Sierra Mountains. Top employers in the city of Reno include the Washoe County School District, the University of Nevada-Reno, and the Renown Regional Medical Center. Based on our research, the average homeowners insurance quote in the city is $746. Residents of Reno pay 8% less for their homeowners insurance than the state mean.

Every insurer we gathered quotes from in Reno offered an annual rate that is lower than the state average. The most expensive quote was offered by State Farm at $792, which is $16 less than the state average. Reno is the seventh least expensive city for homeowners insurance in the state of Nevada.

Quotes from Reno's Best Home Insurance Companies

North Las Vegas, NV

The city of North Las Vegas is the fourth most populous city in the state of Nevada. The city is located just east of the Red Rock Canyon National Conservation Area. North Las Vegas is surrounded by mountains and deserts. The average annual homeowners insurance quote in North Las Vegas is $746 per year, which is 8% less than the state mean.

If you’re looking for affordable home insurance rates in North Las Vegas then we suggest starting with Farmers which quoted our sample home a cost of $722 annually. State Farm offered the least affordable rate at $788 per year, which is $66 greater than the quote offered by Farmers. Based on our research, North Las Vegas ranks as the sixth most affordable city for home insurance in the state of Nevada.

North Las Vegas’s Best Home Insurance Companies

Sparks, NV

Sparks is the fifth most populous city in the state of Nevada. The city of Sparks was planned by the Southern Pacific Railway company. Southern Pacific wanted a more direct route through Northern Nevada and offered land grants to people who were willing to relocate to the newly formed city of Sparks. The mean home insurance rate in Sparks is $686, which is $122 less than the state average.

Farmers quoted the least expensive rate in Sparks at $633 annually. That is $124 less than State Farm’s quote of $757. State Farm is the least affordable insurer in the city. Despite State Farm's high home insurance quote relative to other insurers in the area, Sparks is ranked as the second most affordable city for home insurance in the state of Nevada.

Best Cheap Home Insurance Companies in Sparks

Carson City, NV

Carson City is the sixth largest city in the state of Nevada. The city is situated on the shore of Lake Tahoe and near the California-Nevada border. Carson City has served as the state capital of Nevada since 1864. Residents of Carson City pay an average home insurance cost of $757 based on our study.

Allstate offered the lowest home insurance quote in Carson City at a rate of $620. The second most affordable insurer in the area, State Farm, offered a quote of $805, which is $185 more than Allstate’s quote. Residents of Carson City pay 6% less on average for their home insurance than the state mean.

Cheapest and Best Homeowners Insurance Companies in Carson City

Fernley, NV

Fernley is the seventh most populous city in the state of Nevada. The city’s early growth is attributed to railroads, farming, and timber. Today the city has booming distribution and manufacturing industries. Our research found that the average home insurance premium in Fernley was $715, which is $93 less than the average in the state of Nevada.

Fernley has the fourth most affordable rates for home insurance in the state of Nevada. Allstate offered a quote of $667, which is $68 cheaper than the rate of $735 offered by Farmers. State Farm quoted the least affordable rate at $743 annually. Home insurance quotes in Fernley varied by $76.

Best Homeowners Insurance Rates in Fernley

Elko, NV

Elko, the eighth largest city in Nevada, is approximately 5,000 feet above sea level. The city has plenty museums including the Western Folklife Center and the Cowboy Arts & Gear Museum. Elko benefits from its proximity to several gold mines. On average, residents of Elko pay 5% more for their home insurance than the rest of the state.

State Farm offered the lowest quote from the insurance companies sampled at an annual cost of $747. The next most affordable home insurance quote was given by Allstate at $861, which represents a $114 increase from the quote offered by State Farm. State Farm offered the only quote in Elko that was lower than the state average.

Quotes from Elko's Cheapest and Best Home Insurance Companies

Mesquite, NV

Mesquite is the ninth most populous city in the state of Nevada. The city is located approximately 80 miles from Las Vegas. Mesquite was founded by approximately 100 farmers in the late 1800’s. The city’s largest industry eventually became dairy production. Residents of Mesquite pay an average of $729 a year for homeowners insurance.

Farmers offered the lowest quote in the city at a cost of $669. The second most affordable homeowners insurance quote gathered was offered by State Farm at $756. Mesquite ranks as the fifth most affordable city for homeowners insurance in the state of Nevada. Residents pay $79 less than the state mean.

Best Home Insurance Companies in Mesquite

Boulder City, NV

Boulder City, the state’s tenth most populous city, was once Nevada’s largest. Boulder City is located southeast of Las Vegas. The city is home to Hoover Dam, one of the priciest engineering designs in U.S. history at the time. Boulder City has an average annual home insurance cost of $915, which is just $107 greater than the state average.

Allstate quoted the cheapest home insurance quote in the area at $725. Farmers offered the most expensive home insurance quote at $1,204, which is $479 greater than the quote offered by Allstate. Boulder City is ranked the third least affordable city for home insurance rates in the state of Nevada.

Best Cheap Home Insurance Companies in Boulder City

Least Expensive Homeowners Insurance in Nevada: by City

The graph below shows the five best cities for home insurance of all 31 cities which were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. Sun Valley is the cheapest city in Nevada for homeowners insurance based on our study. Residents pay $675 annually on average, which is $133 lower than the state average.

Top 5 Best Cities in Nevada for Homeowners Insurance

Sun Valley, NV

According to our study, Sun Valley is the most affordable city in the state of Nevada for homeowners insurance. On average, residents pay 16% less for their homeowners insurance policy when compared to the state mean. All quotes gathered in Sun Valley were less than the state mean.

Sparks, NV

Sparks offers the second most affordable homeowners insurance rates in the state of Nevada. The mean home insurance quote in the city was $686, which is 15% cheaper than the state average. The most affordable quote in Sparks was offered by Farmers at $633 annually.

Dayton, NV

Dayton ranks as the third least expensive city in Nevada for homeowners insurance. The average home insurance quote gathered for the city of Dayton was $692, which is $117 less than the state mean. On a percentage basis, this represents a 14% discount.

Fernley, NV

Fernley offers the fourth most affordable home insurance rates in the state of Nevada. Residents pay on average $715 per year, which is $93 less than the state average. The lowest rate in the city was offered by Allstate at $667.

Mesquite, NV

Mesquite is ranked the fifth least expensive city in Nevada for home insurance. On average, residents pay $729 for home insurance, which represents a 10% lower rate when compared to the state mean. On an annual basis, residents save $79 on homeowners insurance versus the state average.

Most Expensive Homeowners Insurance in Nevada: by City

The graph below shows the five most expensive places of all 31 cities which were part of this study. The cities are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each city based on our study. The most expensive city for homeowners insurance was Incline Village where our research found an average annual rate of $986, which is $178 higher than the state average.

Top 5 Most Expensive Cities in Nevada for Homeowners Insurance

Methodology

We studied 31 cities, spread out geographically all throughout the state of Nevada. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from State Farm, Farmers, and Allstate insurance companies. The rates were then averaged to arrive at a mean for each city. To see an alphabetical list of all the cities included in the comparison analysis, please see below. We've displayed all cities from Battle Mountain to Yerington with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.

RankCityAverage Insurance RateCost Compared to Average
22Battle Mountain$8596%
29Boulder City91513%
27Caliente89010%
9Carson City757-6%
3Dayton692-14%
21Elko8455%
30Ely93816%
28Fallon90312%
4Fernley715-12%
16Gardnerville8060%
20Henderson8323%
31Incline Village98622%
14Las Vegas778-4%
24Laughlin8768%
15Lovelock781-3%
5Mesquite729-10%
8Moapa Valley756-6%
6North Las Vegas746-8%
19Pahrump8293%
17Paradise8100%
7Reno746-8%
11Spanish Springs762-6%
2Sparks686-15%
25Spring Creek8819%
1Sun Valley675-16%
10Sunrise Manor761-6%
23Tonopah8657%
13Whitney771-5%
26Winchester8839%
12Winnemucca767-5%
18Yerington8110%

Sources:

Nevada Census Data

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