The Best and Cheapest Homeowners Insurance Companies in Nevada

The Best and Cheapest Homeowners Insurance Companies in Nevada

Choosing a homeowners insurance company means finding the company with the best value, policy features and customer service quality. We gathered thousands of quotes from insurance providers across Nevada to determine the top home insurance for most people.

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In Nevada, the cheapest rate for a typical homeowners insurance policy is $672 per year — but price alone isn't enough to judge the quality of insurer or determine that it's the best choice for you. Here are our selections for the Silver State's best homeowners insurance providers.

Best for most people: State Farm

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Cheapest homeowners insurance: Allstate

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Best for newer homes: AmFam

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Best protection from identity theft: Farmers

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Best for most people: State Farm

State Farm combines good customer service and affordable prices, making it a solid choice for most homeowners in Nevada.
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Click here and read our full review of State Farm.

The best homeowners insurance for most people in Nevada is State Farm. The company's statewide premiums cost an average of $895 per year, which is less than Nevada's $1,047 per-year mean price. You may receive discounts from State Farm if you update your home's security and fire alarms, or if you also have an auto insurance policy with the company.

The National Association of Insurance Commissioners (NAIC) scores State Farm favorably on its complaint index, which measures customer satisfaction among insurance companies. According to the NAIC, State Farm receives about one-fifth of the amount of complaints that you might expect for the amount of customers it has. Additionally, State Farm offers multiple ways to obtain coverage, whether you prefer to purchase coverage online or by contacting a local agent in its national network.

Although State Farm doesn't sell the cheapest coverage in Nevada, its competitive prices are sweetened by quality coverage. In fact, the three homeowners insurance companies in our survey that have cheaper prices than State Farm have worse customer satisfaction numbers, while companies with better customer service are more expensive.

Cheapest homeowners insurance: Allstate

Allstate has the cheapest homeowners insurance rates in Nevada, even if it doesn't offer very many discounts.
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You can read our full review of Allstate's homeowners insurance by clicking here.

Allstate's homeowners insurance has an average price of $672 in Nevada, the cheapest in the state. Like most other large insurers, however, Allstate doesn't offer you many discounts. You can receive reduced rates if you install protective devices in your home, like fire and burglar alarms. You may also be eligible for discounts if you buy a new home or are over the age of 55 and retired. Because the company is already cheap in Nevada, it might be a good idea to consider a policy from Allstate if you're retired and on a fixed income, since you might be able to lower your policy's cost even more.

Despite having the cheapest price among Nevada's top insurers, Allstate's customer satisfaction score is in the middle of the companies included in this survey. Still, because the company receives about 60% fewer complaints than other comparable providers, Allstate remains a strong choice to consider in Nevada.

Best for newer homes: American Family Insurance

American Family offers multiple discounts if you have a newer home, or if you've purchased a home recently.
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Click here to read our full review of American Family Insurance.

If you own a newer home, you might purchase a homeowners insurance policy from American Family. This company offers multiple discounts tied to the age of your home. Besides qualifying for a new home discount, you could also be eligible for a markdown if you purchased your home within the past three years — even if your home isn't new. American Family may additionally take a percentage off of the price of your homeowners insurance if your home utilizes smart devices, such as doorbells with video cameras, automated thermostats or smartphone-connected home security systems.

With an average yearly price of $1,085, American Family Insurance's homeowners insurance aligns with Nevada's mean. Although the company's NAIC ranking is the second highest in this study at 0.69, it still gets about one third fewer complaints than a comparably sized firm. Given its average prices and its customizable coverage, American Family is an okay choice for homeowners insurance in Nevada.

Best for protection from identity theft: Farmers

In a state with high reports of identity theft, Farmers has endorsements to protect your personal information.
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Click here to read our entire review of Farmers homeowners insurance.

You may consider homeowners insurance from Farmers if you live in Nevada and are concerned about the state's relatively high amount of reported identity theft, which was fifth in the nation by the Federal Trade Commission. Farmers's identity shield endorsement gives you up to $28,500 in identity theft protection for $65 a year. In addition, you are enrolled in a credit monitoring program along with another person, like a spouse. If you are a victim of identity theft, Farmers assigns you a case file and helps you navigate the recovery process.

Farmers has the third cheapest homeowners insurance rates in Nevada with an $857 average price tag. The insurer also has a positive position on the NAIC's complaint index. Compared to other companies of its size, Farmers gets about 60% fewer complaints from policyholders. It's an above-average choice for homeowners insurance in the state.

Insurers with the best and worst customer service in Nevada

To compare the customer satisfaction of homeowners insurance providers in Nevada, we collected scores from the NAIC's complaints database and checked customer service analyzer J.D. Power's grades for each company where applicable.

The insurers in our survey with the best customer satisfaction are COUNTRY Financial, USAA and State Farm; the companies that scored the worst were CSAA and American Family Insurance.

NAIC score (lower is better)
J.D. Power (higher is better)
A.M. Best (financial strength)
State Farm0.203/5A++
Farmers Insurance0.393/5A
Allstate Corp0.363/5A+
American Family Insurance0.693/5A
CSAA Insurance Exchange1.353/5A+
COUNTRY Financial0.133/5n/a

Only companies with 1% market share or greater were included in this analysis. If a company had several underwriters, we combined them into one parent company

Cheapest options for homeowners insurance in Nevada

The average cost of homeowners insurance in Nevada is $1,047. This is slightly higher than the national average cost of $1,083. The most expensive homeowners insurance company in Nevada is CSAA, which is associated with AAA. The cheapest insurer is Allstate. For the most part, the price of home insurance doesn't fluctuate drastically across the state.

You can view the average costs of the state's top providers here:


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Most common homeowners insurance perils in Nevada

Compared to other states, Nevada's homeowners aren't exposed to many natural perils that could threaten their properties. As Nevada is the U.S.'s driest state, wildfires do pose some danger to homeowners. Your typical homeowners insurance policy covers fires, 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. Usually, an insurance policy reimburses you for the actual cash value of your home after depreciation unless you have replacement cost coverage.

Sometimes, insurers won't offer coverage in areas of the country that are particularly prone to fires. You'll have to talk to your provider to make sure that your policy would safeguard your property in the event of a destructive wildfire. If not, you might have to get a separate insurance policy to protect your home against only the damage from fires.

As a last resort, you also have the option to purchase a FAIR policy. These policies are provided by taxpayers and private insurers and are available to property owners that insurers view as too risky to insure. If you've been denied fire coverage from several companies, a FAIR policy gives you bare-bones coverage for a price that's not very 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.

Nevada insurance rates: City-by-city breakdown

We calculated the average cost of homeowners insurance in every city in Nevada with more than 10,000 people. If you're considering a move, or if you just want to understand how your city's prices compare with other cities in the state, check out this table:

Average cost
Difference from statewide average
Las Vegas$1,1086%
North Las Vegas$1,0470%
Spring Valley$1,1005%
Sunrise Manor$1,1459%
Carson City$958-8%
Show All Rows

The cost of homeowners insurance can change from place to place depending on the value of your property and the risks particular to your location. See how this works on a larger scale in our analysis of average home insurance rates in the nation as a whole.


For our study, we gathered quotes from each of Nevada's ZIP codes. We used a sample property that was built in 1992 and measured 2,100 square feet. The home was insured to Nevada's median cost of a home, $258,200.

We obtained quotes for this home from eight of the largest providers in Nevada: State Farm, Farmers, Allstate, USAA, American Family Insurance, Travelers, CSAA and COUNTRY Financial. Due to technical limitations, we were forced to omit some of Nevada's largest insurers, Liberty Mutual, The Hartford and Chubb, from this survey.

After collecting this data, we figured averages for the entire state and for each ZIP code. For our city-specific examination, we found the cost of insurance by ZIP for each of Nevada's cities with more than 10,000 people and calculated the average price of coverage.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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.