Best homeowners insurance in Las Vegas, NV (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Las Vegas.

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|4 min read

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The average cost of homeowners insurance in Las Vegas is $1,249 per year for a policy with $300,000 in dwelling coverage, according to our latest insurance pricing analysis.

While home insurance prices are generally lower in Las Vegas compared to the rest of the country, homeowners in the area may be able to find a company with even lower rates on average. To help you get the best cheap home insurance in Las Vegas, we reviewed 15 of the most popular companies currently offering home insurance in Nevada.

Compare home insurance rates in Las Vegas

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Compare the best cheap homeowners insurance companies in Las Vegas

Based on our analysis, State Farm, American Family, Farmers, Allstate, and AAA are the best homeowners insurance companies in Las Vegas.

To find the best and cheapest homeowners insurance in Las Vegas, Policygenius reviewed over a dozen of the largest insurance companies in the state of Nevada and picked the five with the highest overall Policygenius rating.

Our ratings are based on each company's financial strength and customer service ratings, the number and quality of available coverage, and average carrier premiums in each of Las Vegas' 25 ZIP codes.

Company

Average monthly cost

Policygenius rating

State Farm

$119

4.8 out of 5

American Family

$79

4.5 out of 5

Farmers

$104

4.5 out of 5

Allstate

$125

4.4 out of 5

AAA

$157

4.3 out of 5

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance scores a near-perfect 4.8 out of 5 thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why we chose State Farm

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly rated home insurance to homeowners in every corner of the country.

And it doesn't skimp on coverage, offering flood, wildfire, and earthquake protection — one of few competitors that offers all three insurance policies to homeowners in high-risk states nationwide.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How do State Farm home insurance rates compare to the Las Vegas average?

On average, a State Farm home insurance policy in Las Vegas costs $1,431 per year, which is around 15% more expensive than the overall average in Las Vegas of $1,249.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • Above-average property claims satisfaction rating with J.D. Power

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s digital experience survey

More detailschevron icon

Why we chose Farmers

Farmers home insurance stands out against competitors thanks to the slew of discount opportunities and policy perks available.

It offers 17 home insurance discounts — its competitors average just seven — and policy perks that aren't easy to come by, including:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How do Farmers home insurance rates compare to the Las Vegas average?

On average, the average cost of Farmers home insurance in Las Vegas is $1,250 per year, which is about equal to the overall average in Las Vegas.

How to get a quote

Online through Farmers

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2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Why we chose American Family

When it comes to both the breadth and quality of home insurance policy options, there are few companies in the same league as American Family.

Choose from three comprehensive policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.

We especially like its rare diminishing deductible feature that takes $100 off your policy deductible each year you go without filing a claim — a perk few competitors offer.

While it only writes homeowners insurance in 19 states, American Family is the seventh largest home insurer in the United States — which indicates it’s a popular option in the places it operates.

How do American Family home insurance rates compare to the Las Vegas average?

The average cost of American Family home insurance in Las Vegas is $945 per year, which is around 25% cheaper than the overall average in Las Vegas of $1,249.

How to get a quote

Online with American Family agent

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

All 50 states

Why we chose itchevron icon

Whether you’re looking for bare-bones coverage on the cheap or a more comprehensive policy package with additional coverages and features like short-term rental coverage and deductible rewards, you’ll likely be able to find it with Allstate.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why Allstate is one of our top picks

If you rent out your property through a short-term rental service like Airbnb and a guest destroys or steals your property, Allstate’s HostAdvantage will pay up to $10,000 per rental host period to replace or repair your property.

And the best part? This coverage can be added directly onto your home insurance policy for a small additional fee. To put this into context, only about one-third of the nearly 70 home insurance companies we reviewed even offer home-sharing coverage at all.  

How do Allstate home insurance rates compare to the Las Vegas average?

The average cost of an Allstate home insurance in Las Vegas is $1,497 per year, which is about 20% more expensive than the overall average in Las Vegas of $1,249 per year.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

award icon

2024 Policygenius award winner

AAA

AAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

New homebuyer discount

Mobile app

Bundle home & auto

All 50 states

Offers earthquake insurance

Offers flood insurance

Offers extended replacement cost

Why we chose itchevron icon

AAA lands one of our top spots thanks to its plethora of discounts with average rate savings of around 37%, along with robust coverage add-ons to ensure your home is fully protected.

Pros and conschevron icon

Pros

  • Affordable rates, plus 15+ home insurance discounts available

  • 20+ policy coverages and add-ons — including flood and earthquake insurance

  • Slew of other perks and discounts that come with AAA membership

Cons

  • AAA membership required to purchase home insurance

  • Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through

  • Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies

More detailschevron icon

Why AAA is one of our top picks for homeowners

AAA takes the cake for new homeowners thanks to its steep new homebuyer discount that offers average savings of around 37% off your home insurance rates — far beyond what we've seen with competitors in our analysis.

You'll also save even more if you bought a brand-new home, purchased your policy before it needs to go into effect, or have an active AAA membership.

We also like AAA for new homeowners thanks to its stellar selection of coverage add-ons to insure your new home is fully protected, including extended replacement cost coverage for your home, replacement cost coverage for your personal belongings, water damage protection, flood insurance, earthquake coverage, and more.

How do AAA home insurance rates compare to the Las Vegas average?

The average annual cost of home insurance with AAA in Las Vegas is $1,887, which is around 51% more expensive than the overall average in Las Vegas.

How to get a quote

Online with AAA

Compare home insurance rates in Las Vegas

We don't sell your information to third parties.

How much is homeowners insurance in Las Vegas?

The average cost of homeowners insurance in Las Vegas is $1,249 per year, or $104 per month, according to our analysis of quoted premiums in every ZIP code in the city.

This makes home insurance in Las Vegas around 5% more expensive than the Nevada state average of $1,191 per year, but 29% cheaper than the national annual average of $1,754.

Las Vegas home insurance rates by ZIP code

To help you find out how much home insurance costs where you live, we calculated average home insurance rates in the 10 most heavily populated Las Vegas ZIP codes.

ZIP code

Average annual cost

Difference from state average (%)

89108

$1,308

10%

89110

$1,153

-3%

89129

$1,260

6%

89117

$1,217

2%

89131

$1,235

4%

89101

$1,321

11%

89149

$1,217

2%

89102

$1,243

4%

89107

$1,234

4%

89128

$1,313

10%

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Cheapest ZIP codes for home insurance in Las Vegas

Home insurance rates can vary by a couple hundred dollars depending on where in Las Vegas you live, as certain areas may have a higher risk of property loss, theft, or weather damage compared to other parts of the city.

With an average annual premium of $1,153, the 89110 ZIP code has the cheapest average home insurance rates in Las Vegas.

ZIP code

Average annual cost

Difference from state average (%)

89110

$1,153

-3%

89143

$1,182

-1%

89144

$1,200

1%

89138

$1,205

1%

89117

$1,217

2%

89149

$1,217

2%

89134

$1,219

2%

89124

$1,233

4%

89107

$1,234

4%

89179

$1,234

4%

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Most expensive areas for homeowners insurance in Las Vegas

With an average annual premium of $1,342 per year, the 89199 ZIP code has the most expensive home insurance rates in Las Vegas

ZIP code

Average annual cost

Difference from state average (%)

89199

$1,342

13%

89101

$1,321

11%

89128

$1,313

10%

89108

$1,308

10%

89158

$1,291

8%

89165

$1,283

8%

89161

$1,263

6%

89166

$1,261

6%

89129

$1,260

6%

89146

$1,259

6%

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Learn more >> Home insurance rates by ZIP code

Las Vegas home insurance costs by coverage amount

Dwelling coverage is the part of homeowners insurance that pays to rebuild your home if it's damaged or destroyed by a covered peril, like a fire or tornado. Your policy's dwelling coverage limit should be equal to the replacement cost of your home, which is the amount it would cost to rebuild it from the ground up.

Home insurance premiums are largely based on how much dwelling coverage you need for your home, with larger houses requiring more of this coverage, and vice versa. Here is the average cost of home insurance in Las Vegas for five different levels of coverage.

Dwelling coverage limit

Average annual cost

$100,000

$633

$200,000

$919

$300,000

$1,249

$400,000

$1,522

$500,000

$1,922

Las Vegas home insurance costs by deductible amount

home insurance deductible is the amount you’re responsible for paying on each claim before insurance helps cover the rest of the damage or loss. If you choose a higher policy deductible, you'll have to cover more of each claim you that you file, but you also may pay significantly less for home insurance.

Here is the average annual cost of home insurance in Las Vegas for a policy with $300,000 in dwelling coverage and two different deductible amounts.

Deductible

Average annual cost

$500

$1,465

$1,000

$976

Cheapest homeowners insurance companies in Las Vegas

Based on our analysis, Universal Property, Auto-Owners Insurance, American Family, USAA, and Farmers are the five cheapest home insurance companies in Las Vegas, with average premiums ranging from $869 to $1,250 per year.

Company

Average annual cost

Universal Group

$869

Auto-Owners Insurance

$912

American Family

$945

USAA

$1,023

Farmers

$1,250

Nationwide

$1,293

State Farm

$1,431

Allstate

$1,497

AAA

$1,887

Country Financial

$2,029

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Cheapest home insurance in Las Vegas if you have poor credit

Having poor credit not only makes it more difficult to finance a new home or car, but it can also make insurance for that home or car significantly more expensive. In some cases, you may be turned down by insurance companies if your credit is too low.

With an average annual premium of $1,175, Universal Property has the cheapest home insurance rates in Las Vegas for a homeowner with poor credit, while AAA's average of $15,281 per year is the most expensive. 

Company

Average annual cost

Universal Group

$1,175

American Family

$1,377

Auto-Owners Insurance

$1,510

USAA

$1,818

Farmers

$1,861

Nationwide

$1,913

Allstate

$2,413

State Farm

$2,456

Country Financial

$3,237

AAA

$6,461

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Cheapest home insurance in Las Vegas if you have an older home

Some home insurance providers may charge higher rates than others to insure older homes, as they consider these properties to be at higher risk for weather damage and internal plumbing or electrical issues.

Looking at average premiums for a 50-year-old home, Auto-Owners Insurance is the cheapest home insurance option for an older Las Vegas home, while AAA is the priciest.

Company

Average annual cost

Auto-Owners Insurance

$865

Universal Group

$869

American Family

$985

USAA

$987

Farmers

$1,200

Nationwide

$1,337

State Farm

$1,380

Allstate

$1,497

Country Financial

$1,799

AAA

$2,275

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Cheapest homeowners insurance in Las Vegas if you have a history of claims

A policyholder's claims history is one of the main factors insurers consider when determining home insurance premiums on a specific property.

Typically, if you file one or multiple claims within a five-year span, insurers may consider you to be prone to future claims and could charge you higher rates as a result.

According to our analysis of company premiums for a Las Vegas homeowner with three claims within a five-year period, Universal Property has the cheapest home insurance, while AAA is the most expensive.

Company

Average annual cost

Universal Group

$1,227

State Farm

$1,453

Auto-Owners Insurance

$1,539

USAA

$1,595

American Family

$1,782

Farmers

$2,231

Allstate

$2,556

Nationwide

$2,621

Country Financial

$2,697

AAA

$6,520

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How to get homeowners insurance quotes in Las Vegas

Now that you're familiar with the best and most affordable insurance options available in Las Vegas, it's time to start shopping for homeowners insurance. Here are some things you should keep in mind as you compare home insurance quotes in Las Vegas.

5 steps to buying homeowners insurance in Las Vegas, NV

  1. Shop with an independent insurance marketplace like Policygenius. Our team of licensed insurance experts are at the ready to help you figure out how much coverage you need and what company offers it at the best price — all for free with no impact to your credit score.

  2. Ask about flood or earthquake insurance. Flash floods can occur out of nowhere, even in the desert. And Nevada is no stranger to earthquakes, either. Ask a Policygenius expert if you should consider flood or earthquake insurance to protect your home. 

  3. Compare quotes. Once you’ve identified your coverage needs, a Policygenius agent will send over quotes from top companies so you can review your options.

  4. Figure out how high of a deductible you can afford. A higher deductible means you’ll pay a lower home insurance premium, but it also means you'll have pay more out of pocket on each claim.

  5. Choose your policy, sign it, and pay your first premium. Once you choose a policy, all you need to do is sign on the dotted line and pay your first premium. We’ll cancel your old policy on your behalf if it hasn't expired yet.

Compare home insurance rates in Las Vegas

We don't sell your information to third parties.

Frequently asked questions

How much is homeowners insurance in Vegas?

The average cost of homeowners insurance in Las Vegas is $1,249 per year or $104 a month.

What is the average cost of homeowners insurance in Nevada?

The average cost of homeowners insurance in Nevada is $1,191 per year.

Is homeowners insurance required in Nevada?

Homeowners insurance is not legally required in Nevada, but your mortgage lender may require it before extending you a loan.

Author

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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