Written by
Natalie Todoroff
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by
Jessa Claeys
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.
Edited by
Jessa Claeys
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.
Updated Sep 01, 2024USAA, American Family and State Farm may offer some of the best cheap home insurance in Las Vegas, according to Bankrate’s research.
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The best home insurance companies in Las Vegas The cheapest home insurance companies in Las Vegas How much is home insurance in Las Vegas, Nevada? Frequently asked questions Methodology
Las Vegas home insurance costs 46 percent less than the national average cost of home insurance. That said, cost isn’t everything when it comes to home insurance. Policyholders should prioritize sufficient coverage and may want to consider customer satisfaction and third-party ratings.
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On This Page Jump toTo simplify the process of shopping for insurance, Bankrate’s insurance editorial team analyzed the top homeowners insurance providers in Nevada. Our research suggests that USAA, American Family and State Farm are some of the best home insurance companies in Las Vegas. These companies not only offer competitive average rates, but they all have Bankrate Scores above 4.0, indicating satisfactory assessments per J.D. Power, AM Best and more.
Best overall Rating: 4.7 stars out of 5Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Bankrate ScoreBankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Rating: 4.7 stars out of 5Avg. annual premium
$300K dwelling coverage
Compare rates Compare rates Compare ratesWhy USAA made our list: USAA is only available to the military community and their qualifying family members, which means it won’t be an option for everyone. However, its competitive rates and robust policies made it worth including. USAA’s average home insurance rates are 19 percent less than the citywide average, and its policies come with replacement cost coverage automatically included. Plus, homes in Nevada are already included in USAA’s Wildfire Response Program, which partners with Capstone Fire and Safety Management and Chloeta to help homeowners guard their homes in the event of a wildfire. For example, Capstone and Chloeta firefighters may visit the home to clear gutters, seal attic vents, set up sprinkler systems, etc.
Why USAA may be the best overall: USAA tied in the 2024 Bankrate Awards for Best Home Insurance Company Overall for the third year running. USAA’s strict eligibility requirements preclude it from official J.D. Power rankings, but it is a consistent high-scorer in the U.S. Home Insurance Study and Property Claims Satisfaction Study. Coupled with its A++ (Superior) financial strength rating from AM Best, USAA could be one of the best home insurance companies in Las Vegas for those who qualify for a policy.
Scores and Ratings| Bankrate Score | 4.7 |
| J.D. Power | 881 /1,000 |
| AM Best score | A++ |
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Bankrate ScoreBankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Rating: 3.1 stars out of 5Avg. annual premium
$300K dwelling coverage
Compare rates Compare rates Compare ratesWhy American Family made our list: American Family (or AmFam for short) is a Wisconsin-based home insurer that writes policies in 19 states. It is rated A (Excellent) by AM Best, which suggests that the company is financially stable enough to make good on home insurance claims. Although it scored six points below average in the J.D. Power 2023 U.S. Home Insurance Study, American Family ranked above average in the Property Claims Satisfaction Study and has a below-average NAIC Complaint Index for its home insurance product. The latter two are green flags in terms of AmFam’s customer service.
Why American Family may be the best for custom policies: AmFam advertises multiple policy endorsements on its website, which could be a good fit for a Las Vegas homeowner looking to build a more customized insurance policy. Some of the more standard endorsements are available, like equipment breakdown, service line coverage, water backup and scheduled personal property. But, AmFam also offers some more uncommon choices like flash flood protection, senior living protection, matching siding coverage and short-term rental insurance.
Scores and Ratings| Bankrate Score | 3.1 |
| J.D. Power | 813 /1,000 |
| AM Best score | A |
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Bankrate ScoreBankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Rating: 4.2 stars out of 5Avg. annual premium
$300K dwelling coverage
Compare rates Compare rates Compare ratesWhy State Farm made our list: State Farm is the largest home insurance company in Nevada, with over 9 percent of the market share. It is worth mentioning that, in March 2024, the AM Best rating for State Farm General Insurance Company was downgraded from an A (Excellent) to a B (Fair). However, State Farm General Insurance Company is just one of the underwriting companies in State Farm’s portfolio, and this rating does not reflect the entire State Farm company. State Farm scored above average in the J.D. Power U.S. Home Insurance Study and Property Claims Satisfaction Study (one of only a handful of companies to perform well in both). Plus, State Farm writes many other insurance lines like auto, life, business and umbrella and offers banking products through a partnership with U.S. Bank.
Why State Farm may be the best for policy management options: As the largest insurance company not only in Nevada, but in the country, State Farm’s agent footprint is vast. It boasts a nationwide network of over 19,000 agents, many of whom have offices in Las Vegas. Or, for homeowners who prefer online policy management, State Farm also offers a suite of digital tools that scored above average in the service category of the J.D. Power 2024 U.S. Insurance Digital Experience Study.
Scores and Ratings| Bankrate Score | 4.2 |
| J.D. Power | 829 /1,000 |
| AM Best score | A++ |
Bankrate's trusted insurance industry expertise
When shopping for home insurance, Bankrate knows that price is often a major consideration. That is why we update our average rates from Quadrant Information Services monthly to ensure our content remains accurate.
years of industry experience
ZIP codes examined
Based on our research, USAA, American Family and State Farm have the cheapest home insurance in Las Vegas on average for a policy with a $300K dwelling limit. However, the cheapest company for you could change depending on the dwelling coverage limit you need. The tables below list the cheapest homeowners insurance in Las Vegas for a variety of dwelling coverage limits.
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*Average rates for policies with $300K in dwelling coverageHome insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
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Rates refreshed as of Sep 2024Answer a few questions to see personalized rates from top carriers.
Do you own or rent this home? ZIP Code Location-Icon Your information is kept securePowered by Coverage.com (NPN: 19966249)
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The average cost of home insurance in Las Vegas, NV is $1,224 per year for a policy with a $300K dwelling limit. Compared with the state average, home insurance costs in Las Vegas are 8 percent more. However, these are just average figures. Your exact home insurance rate will depend on several different rating factors like your credit-based insurance score, the age of your home and your policy’s deductible.
In Nevada, your credit affects your home insurance. In most cases, homeowners with good or excellent credit are given the cheapest rates, while those in the average or poor credit tiers pay more. This is because homeowners with bad credit are statistically more likely to file claims and therefore riskier to insure. The table below illustrates how home insurance rates from the top five cheap home insurance companies in Las Vegas change depending on credit.
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Rates refreshed as of Sep 2024The year your home was built can also affect your home insurance premium. In most cases, older homes are more expensive to insure. Think about it this way: if an older home is destroyed in a covered claim, it could cost the insurance company more money to rebuild it up to local building codes. Plus, older homes run the chance of being built with harder-to-source materials, which could also be pricier if the home needs a rebuild or just some repairs. Below, we’ve compared average rates by home age for the cheapest home insurance companies in Las Vegas.
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Rates refreshed as of Sep 2024If you’ve scoured your insurer’s list of discounts and can’t find any new ones to apply to your policy, consider raising your home insurance deductible for a cheaper rate. Your home insurance deductible is the amount of money you are financially responsible for if you file a claim. By taking on a larger part of the financial responsibility, you may be rewarded with a more affordable rate from your insurer. But, just be sure that your deductible always remains an amount of money you can reasonably afford to pay at a moment’s notice.
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Rates refreshed as of Sep 2024Data from Risk Factor shows that Las Vegas has a minor flood risk. However, a standard home insurance policy won’t cover flood damage, and flood damage can get expensive quickly. Whether or not you need flood insurance in Las Vegas will depend on how comfortable you are with taking on more risk.
Home insurance provides financial protection for your home’s physical structure, detached structures on your property and your personal belongings. Home insurance is also called a “multiline” insurance policy because it provides a layer of liability protection. The additional living expenses portion of your policy can also help with unforeseen expenses if your home becomes uninhabitable because of a covered claim, like if a fire damages part of your home and it is not safe to live in.
When determining how much home insurance you need, there are a few main factors to consider. To set personal property coverage, experts recommend taking inventory of the value of your furniture, clothes, electronics and other belongings. For dwelling coverage, it helps to research building costs in your area and consult with your carrier or agent to set the best limit. Liability insurance pays for injuries and legal expenses for individuals hurt on your property. If you have a swimming pool or entertain regularly, you may want to consider increasing your liability limits.
There are a few different ways to compare home insurance quotes in Las Vegas. You can make a list of the companies you are interested in and then collect quotes directly. Or, you can use an online comparison shopping tool to look at multiple quotes simultaneously.
Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:
The homeowners also have a $1,000, $1,500, $2,000 or $5,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Credit: Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Year built: Rates were calculated based on the following years built for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2015 (base) and 2020.
Our 2024 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
