Best & Cheapest Home Insurance Companies in Nevada (2026)
State Farm usually has the cheapest home insurance quotes in Nevada, at around $925/yr. | ||
Home insurance in Nevada costs an average of $1,633/yr, which is about one-third cheaper than the national average. | ||
Areas with high crime rates tend to have the most expensive home insurance in Nevada. A policy costs around $1,982/yr in Winchester, the most expensive city in the state. |
Compare Home Insurance Quotes in Nevada
Who has the best cheap home insurance in NV?
Who has the cheapest homeowners insurance in Nevada?
State Farm and Allstate have the cheapest home insurance quotes in Nevada.
Compare Home Insurance Quotes in Nevada
- State Farm has the overall cheapest home insurance in Nevada for most people. State Farm's rates are typically between 41% and 43% cheaper than the Nevada state average, depending on how much coverage you need.
- Allstate also has very affordable rates in Nevada, at around 35% to 41% cheaper than the state average. Each company calculates home insurance rates differently, so Allstate may have the best rates for some Nevadans.
Cheap home insurance quotes in Nevada by dwelling coverage
Key takeaways
- Home insurance rates across Nevada went up by 7.5% in 2025, on average. That's 2 percentage points higher than the average increase nationally. This is partially because aging Nevada homes are beginning to require more repairs. The rising cost of construction materials and labor across the state is making these repairs more expensive for insurance companies.
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Although State Farm is the cheapest company in Nevada, it raised rates sharply in 2025. State Farm customers saw an average rate increase of over 11%, much higher than the state average.
State Farm customers should make a point of shopping around when they get their renewals to make sure it's still the best choice for them.
- Nevada’s rate increases are lower than many wildfire-heavy Western states, but its high property crime likely plays a big role in the cost of home insurance. Nevada has one of the higher property crime rates in the U.S., which can lead to more theft-related insurance claims.
Best Nevada homeowners insurance for most people: State Farm
| Editor rating | |
| Annual cost | $925 |
| Monthly cost | $77 |
| Customer complaints |
Pros & cons
- Cheapest quotes in NV
- Reliable customer service
- Great for bundling
- Limited discounts
- Not everyone can buy a policy online
Why is State Farm the best?
State Farm is the best choice for most Nevadans because of its low rates and dependable customer service.
State Farm tends to have the cheapest quotes in Nevada, no matter how much coverage you need. It also has the most affordable rates in Nevada's largest cities, Las Vegas and Reno.
How much is State Farm home insurance in Nevada?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $643 | 41% cheaper |
| $350,000 | $925 | 43% cheaper |
| $500,000 | $1,262 | 43% cheaper |
| $1 million | $2,265 | 43% cheaper |
In addition to its cheap rates, State Farm's reliable customer service makes it a great choice for Nevada homeowners. The company earned a good score on J.D. Power's customer satisfaction survey and gets an average number of complaints for a company of its size.
Potential issues
State Farm's home insurance discounts are fairly limited. You'll miss out on some of the easiest discounts to get, including a discount for paying your annual bill up front or signing up for paperless statements.
While you're usually able to get an online quote from State Farm, you may have to call a local agent to buy a policy. So it may not be the best choice if you're looking for immediate coverage.
Compare home insurance rates in Las Vegas
Cheapest home insurance in Las Vegas, NV
Company | Annual rate | |
|---|---|---|
| State Farm | $984 |
| Allstate | $1,043 |
| Farmers | $1,450 |
| AAA | $2,198 |
| American Family | $2,201 |
Rates are for a policy with $350,000 of dwelling coverage.
Best home insurance discounts in NV: Allstate
| Editor rating | |
| Annual cost | $1,030 |
| Monthly cost | $86 |
| Customer complaints |
Pros & cons
- Cheapest rates in 34 NV cities
- Lots of discounts
- Helpful coverage add-ons
- Mixed customer service reviews
- Expensive auto insurance in NV makes it bad for bundling
Why is Allstate the best?
Allstate is a great choice for Nevadans because it offers affordable rates and lots of ways to save on your home insurance.
Allstate has the second-cheapest home insurance rates in Nevada. It's also the cheapest company in some Nevada cities, including Carson City and Boulder City.
Every insurance company calculates rates differently, so for some people, Allstate may have more affordable home insurance than State Farm.
In addition, Allstate offers lots of discounts to help lower your insurance bill. Some are very easy to get, such as its early signing discount for buying your Allstate policy one week before your current policy expires.
If you qualify for a lot of Allstate's discounts, that could make it the cheapest option for you.
Potential issues
Allstate's customer service isn't bad. But, you'll probably have an easier time filing a claim and getting your home fixed quickly elsewhere.
Allstate gets an average number of customer complaints for a company its size. However, it didn't score well on J.D. Power's customer satisfaction and claims surveys.
Additionally, Allstate isn't the best choice if you prefer to bundle your home and auto insurance with the same company. That's because Allstate tends to have expensive car insurance in Nevada. It's unlikely that Allstate's cheap home insurance and discounts will offset the high cost of its auto insurance.
Nevada cities where Allstate has the cheapest home insurance
Annual NV home insurance quotes
City | Average rate | Allstate's rate | Difference |
|---|---|---|---|
| Baker | $1,525 | $751 | 51% cheaper |
| Battle Mountain | $1,607 | $962 | 40% cheaper |
| Blue Diamond | $1,601 | $994 | 38% cheaper |
| Boulder City | $1,460 | $670 | 54% cheaper |
| Carlin | $1,613 | $818 | 49% cheaper |
Rates are for a policy with $350,000 of dwelling coverage.
Best for military families in NV: USAA
| Editor rating | |
| Annual cost | $1,582 |
| Monthly cost | $132 |
| Customer complaints |
Pros & cons
- Excellent customer service
- Basic policy includes extra coverage
- Not the cheapest option
- Only available to homeowners with military ties
Why is USAA the best?
USAA has the best home insurance for military families in Nevada because of its exceptional customer service.
USAA has the best customer service reviews in the state.
- USAA only gets one-third as many complaints as an average company its size, according to the National Association of Insurance Commissioners (NAIC).
- USAA earned the highest score on J.D. Power's customer satisfaction survey.
- USAA earned the second-highest score on J.D. Power's claims satisfaction survey.
That suggests you can count on USAA to have a faster, less stressful claims process than other insurance companies.
USAA's basic home insurance policy also includes more coverage than most insurance companies provide.
For example, USAA automatically includes replacement cost coverage for your home and belongings. Most companies charge extra for this coverage. That may make USAA's slightly higher rates worth it in the long run.
Potential issues
The biggest downside to USAA is that it's only available to military members, veterans and some of their family members. While Nevada has one of the largest military and veteran populations in the country, many people in the state still aren't eligible to buy insurance from USAA.
And, while home insurance from USAA is typically cheaper than average, it's not the most affordable option in Nevada. For example, USAA charges around $657 per year more for a policy with $350,000 of dwelling coverage than the cheapest company in Nevada, State Farm.
Top-rated homeowners insurance in Nevada
Allstate offers the best combination of affordable rates, useful coverage options, helpful discounts and reliable customer service in Nevada.
USAA offers the best customer service for some Nevada homeowners. However, only military members, veterans or their families can buy insurance from USAA.
Best insurance companies in Nevada
Company |
Rating
|
Complaints
|
|---|---|---|
| Allstate | Average | |
| USAA | Low | |
| State Farm | Average | |
| Farmers | Average | |
| American Family | Average |
Average cost of homeowners insurance in Nevada
The average cost of homeowners insurance in Nevada is $1,633 per year for a policy with $350,000 of dwelling coverage.
That's 32% cheaper than the national average cost, making Nevada the 13th-cheapest state in the country for home insurance.
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,087 |
| $350,000 | $1,633 |
| $500,000 | $2,219 |
| $1,000,000 | $3,952 |
Home insurance in Nevada costs $160 per year more than coverage in neighboring California, despite the fact that many California homes have a higher risk of wildfire damage than those in Nevada.
Average cost of Las Vegas home insurance
Home insurance in Las Vegas costs an average of $1,713 per year.
That's more expensive than the Nevada average by $80 per year.
Las Vegas also has more expensive rates than most of its metropolitan area, including Summerlin South, Henderson and North Las Vegas.
City | Annual rate |
|---|---|
| Summerlin South | $1,439 |
| Boulder City | $1,460 |
| Enterprise | $1,513 |
| Henderson | $1,557 |
| North Las Vegas | $1,663 |
| Spring Valley | $1,665 |
| Las Vegas | $1,713 |
| Paradise | $1,784 |
| Winchester | $1,982 |
Rates are for a policy with $350,000 of dwelling coverage.
Cost of home insurance in Nevada by city
Gerlach has the cheapest home insurance rates in Nevada, while Winchester has the most expensive rates.
Homeowners in Gerlach, a small town that's part of the Reno-Sparks metro area, pay around $1,396 per year for $350,000 of dwelling coverage.
That's nearly $600 per year cheaper than home insurance in Winchester, a town in Clark County that includes part of the Las Vegas strip. Homeowners in Winchester pay an average of $1,982 per year. This may be because of the high crime rates in Winchester, which means insurance companies believe homeowners there are more likely to file a claim in the future.
State Farm is the cheapest company in 89 of the 123 cities across Nevada — around 72%. Allstate has the most affordable rates in the remaining 34 cities.
Find Cheap Homeowners Insurance Quotes in Your Area
Home insurance quotes in Nevada by city
City | Average Rate | Cheapest Company | Cheapest Rate |
|---|---|---|---|
| Alamo | $1,528 | State Farm | $955 |
| Amargosa Valley | $1,624 | State Farm | $968 |
| Austin | $1,582 | State Farm | $849 |
| Baker | $1,525 | Allstate | $751 |
| Battle Mountain | $1,607 | Allstate | $962 |
Rates are for a policy with $350,000 of dwelling coverage.
Home insurance in Las Vegas, the largest city in Nevada, costs an average of $1,713 per year, which is 5% higher than the state average. In comparison, home insurance in Reno, the second-largest city in the state, costs an average of $1,512 per year.
The cost of homeowners insurance also changes depending on the value of your property and the risks particular to your location. For that reason, your own quotes may differ from your city's overall average.
Common risks for Nevada homeowners
Theft and everyday household floods tend to cause more home insurance claims in Nevada than weather-related damage.
Nevada homeowners don't have to worry about as many natural disasters as other states. However, Nevada is the driest state in the U.S., so wildfires can affect some homeowners.
Does home insurance protect against theft in Nevada?
Homeowners insurance policies almost always pay to replace your stolen belongings after theft. However, not all policies pay to fully replace your belongings with brand new items.
- Most policies pay to replace your things based on what they're worth now, which includes wear and tear. So you may not get enough money to buy brand new items. This is called actual cash value coverage.
- If having brand new things is important to you, you'll probably have to pay extra to upgrade your policy to include replacement cost coverage. Some companies, like USAA, include this in their basic policy.
Nevada ranks among the top five states for money lost to home theft claims.
This doesn’t necessarily mean theft happens more often in Nevada than in other states. But when theft does happen, it's typically very costly for insurance companies. Items like electronics, jewelry and other valuables can be expensive to replace, which can drive up the total cost of theft claims.
For this reason, Nevada homeowners should strongly consider adding replacement cost coverage for their belongings.
A monitored security system could also help prevent large theft claims. It could also save you money on your home insurance bill. Many Nevada home insurance companies, including Allstate, State Farm and USAA, offer discounts for installing a security system.
Does Nevada home insurance cover water damage?
Homeowners insurance covers some, but not all, types of water damage. Most policies pay for damage caused by burst pipes or a leaking roof or appliance, as long as you find out about the leak quickly.
However, homeowners insurance doesn't usually cover:
- Weather-related flooding, like rising water from heavy rains
- Damage from backed-up pipes or sewers
- Old or hidden water leaks
However, many companies offer the option to add protection against these types of damage for an extra fee.
Water damage tends to cause the highest home insurance losses in Nevada. However, weather-related flooding is rare in the state. From 2020 to 2025, Nevada had only 65 flood insurance claims through the National Flood Insurance Program, compared with more than 217,000 claims nationwide.
Because flood claims are so uncommon, most water-related damage in Nevada is likely caused by everyday household problems instead of major storms or flooding. These can include burst pipes, broken water heaters, leaking appliances or plumbing failures.
Nevada homeowners should stay on top of routine home maintenance to prevent water damage, such as regular attic inspections to spot roof leaks early.
Does NV home insurance cover wildfires?
Homeowners insurance typically covers damage caused by wildfires.
But you should check to make sure that your dwelling coverage limit is high enough to cover the cost of rebuilding your home if it were destroyed by a wildfire. Usually, an insurance policy pays for damage based on the condition of your home prior to the incident unless you have replacement cost coverage.
If your home is in an area prone to wildfires, you should consider adding replacement cost coverage to your policy.
Sometimes, insurance companies won't offer wildfire coverage in high-risk areas.
It's important to talk to your insurance company to ensure your policy will pay for wildfire damage. If not, you might have to buy a separate insurance policy to protect your home from fires.
If you've been denied fire coverage from several companies, you can get a Fair Access to Insurance Requirements (FAIR) policy. These policies offer very basic coverage for a price that's not much different from a regular insurance policy. You may also be able to get a FAIR policy that covers only fire damage and pair it with a regular homeowners policy.
How to find the best homeowners insurance in Nevada
Nevada homeowners shopping for the best insurance should compare rates from multiple companies and consider customer service reviews.
| |
ValuePenguin editors rated the best home insurance companies in Nevada based on their customer satisfaction, cost and the overall value they provide customers. You can also get a good idea of how happy a company's customers are using J.D. Power's home insurance and property claims studies, along with the National Association of Insurance Commissioners (NAIC) complaint index. |
Nevada home insurance trends
Home insurance prices are up nearly 27% in Nevada over the last five years.
Home insurance companies in Nevada raised rates by an average of 7.5% in 2025 — about 2 percentage points more than the national average. That came after a relatively low increase of around 4.6% in 2024.
Home insurance rate hikes in Nevada, 2021-2025
2021 | 3.63% |
|---|---|
| 2022 | 1.68% |
| 2023 | 7.04% |
| 2024 | 4.55% |
| 2025 | 7.50% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
State Farm had the smallest rate increase among major Nevada companies over the past five years, at nearly 8% between 2021 and 2025.
American Family customers saw the biggest increase over this time period, at 56%. AAA followed closely behind at 50%.
Frequently asked questions
What is the best homeowners insurance in Las Vegas?
State Farm has the best home insurance for most people in Las Vegas. It offers very affordable rates and reliable customer service.
How much does home insurance in Nevada cost?
The average cost of homeowners insurance in Nevada is $1,633 per year, or $136 per month. That's 31% cheaper than the national average, which is $2,390 per year.
Where can I find the cheapest home insurance in Nevada?
State Farm offers the cheapest home insurance for Nevadans, at $925 per year. That's $708 per year less than the state average.
How much is homeowners insurance in Las Vegas, NV?
Las Vegas homeowners insurance costs an average of $1,713 per year. However, Las Vegas homeowners can find much cheaper rates at State Farm, where a policy costs $984 per year, on average.
Methodology
ValuePenguin gathered quotes from seven of the largest home insurance companies in Nevada for every ZIP code in the state. Quotes are for a 45-year-old married man with no prior insurance claims who owns a 2,060 square foot home built 37 years ago, based on the average home age and size in Nevada.
Rates include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
To determine customer service ratings, we analyzed data from the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power home insurance customer satisfaction study and our own ValuePenguin editor's ratings.
Sources:
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
