Compare average insurance rates in Las Vegas for 2026
🏠
Home
$1414
/year
🚗
Auto
$2121
/year
🏥
Health
$521
/month
💰
Life
$23
/month
🏢
Renters
$16
/month
Home Insurance in Las Vegas, NV
The average cost of homeowners insurance in Las Vegas, Nevada is $1,414 per year in 2026. This compares to the state average of $1,400 per year.
$1,414per year (avg in Las Vegas)
$909NV avg: $1,400$2020
Factors Affecting Home Insurance in Las Vegas
🏠
Home Value Average: $410,000
🌪
Weather Risk low
🌊
Flood Zone 3% of properties
📈
Cost Index 1.01 (100 = national avg)
📌
Earthquake Zone: Las Vegas is in an earthquake-risk area. Standard homeowners policies typically do not cover earthquake damage. Consider adding a separate earthquake insurance policy.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$328,000
$164,000
$100,000
$1,060
Standard (HO-3)
$410,000
$205,000
$300,000
$1,414
Premium (HO-5)
$512,500
$307,500
$500,000
$1,908
Auto Insurance in Las Vegas, NV
The average annual cost of auto insurance in Las Vegas is $2,121, compared to the Nevada state average of $2,100.
$2,121per year (avg in Las Vegas)
$1313NV avg: $2,100$3030
📋
Minimum Coverage in Nevada: 25/50/20
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,166
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,121
Premium
250/500/250
$250 deductible
$250 deductible
$2,757
Health Insurance in Las Vegas, NV
The average monthly health insurance premium in Las Vegas is $521 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$521per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$375
$7,000
$9,100
Healthy, low usage
Silver
$521
$4,500
$9,100
Moderate usage
Gold
$651
$1,650
$8,700
Regular medical needs
Platinum
$781
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Las Vegas
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Nevada are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$16
per month (avg in Las Vegas)
Renters insurance in Las Vegas covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Las Vegas
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Las Vegas, NV is $1,414 per year for a standard HO-3 policy. Rates range from $909 to $2,020 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Las Vegas is $2,121 per year for full coverage. Liability-only coverage averages around $954 per year. Nevada requires minimum coverage of 25/50/20.
Insurance costs in Las Vegas are close to the national average (cost index: 1.01). Home insurance averages $1,414/yr and auto insurance $2,121/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.01), earthquake vulnerability, average home values ($410,000), your personal claims history, credit score, and at-fault insurance laws in Nevada.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Las Vegas residents can potentially save $707+ per year.
Nevada requires minimum auto liability coverage of 25/50/20 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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