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 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 | |
|---|---|---|---|
$119 | 4.8 out of 5 | ||
$79 | 4.5 out of 5 | ||
$104 | 4.5 out of 5 | ||
$125 | 4.4 out of 5 | ||
$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.
2025 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
All 50 states
Why we chose it
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 cons
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 details
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.
2025 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
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 cons
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 details
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
2025 Policygenius award winner
American Family
4.5
Offers extended replacement cost
Offers flood insurance
Bundle home & auto
Why we chose it
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 cons
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 details
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
2025 Policygenius award winner
Allstate
4.4
Bundle home & auto
Smart home discounts
All 50 states
Why we chose it
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 cons
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 details
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.
2025 Policygenius award winner
AAA
4.3
New homebuyer discount
Mobile app
Bundle home & auto
All 50 states
Offers earthquake insurance
Offers flood insurance
Offers extended replacement cost
Why we chose it
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 cons
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 details
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
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% |
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% |
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% |
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
A 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 |
$912 | |
$945 | |
$1,023 | |
$1,250 | |
$1,293 | |
$1,431 | |
$1,497 | |
$1,887 | |
$2,029 |
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 |
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 |
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 |
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.
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.
