Average insurance rates across 28 cities in Nevada
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Las Vegas | 641,903 | $1,414 | $2,121 | $521/mo | $16/mo |
| Henderson | 320,189 | $1,442 | $2,163 | $522/mo | $16/mo |
| Reno | 264,165 | $1,484 | $2,226 | $525/mo | $17/mo |
| North Las Vegas | 264,022 | $1,442 | $2,163 | $522/mo | $16/mo |
| Enterprise | 225,461 | $1,442 | $2,163 | $522/mo | $16/mo |
| Spring Valley | 220,114 | $1,442 | $2,163 | $522/mo | $16/mo |
| Sunrise Manor | 198,325 | $1,442 | $2,163 | $522/mo | $16/mo |
| Paradise | 189,733 | $1,442 | $2,163 | $522/mo | $16/mo |
| Sparks | 108,025 | $1,442 | $2,163 | $522/mo | $16/mo |
| Carson City | 58,249 | $1,442 | $2,163 | $522/mo | $16/mo |
| Whitney | 44,720 | $1,442 | $2,163 | $522/mo | $16/mo |
| Pahrump | 44,711 | $1,442 | $2,163 | $522/mo | $16/mo |
| Winchester | 37,531 | $1,442 | $2,163 | $522/mo | $16/mo |
| Summerlin South | 29,724 | $1,442 | $2,163 | $522/mo | $16/mo |
| Fernley | 23,035 | $1,442 | $2,163 | $522/mo | $16/mo |
Nevada residents pay an average of $1,400 per year for home insurance and $2,100 for auto insurance. Nevada follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/20.
Health insurance in Nevada averages $520 per month for an individual Silver marketplace plan. The weather risk level is low, with earthquake risk to consider. Top insurance providers in Nevada include Geico, State Farm, Progressive.
The average home insurance cost in Nevada is $1,400 per year. Rates range from $900 to $2,000 depending on home value, location, and coverage level.
Auto insurance in Nevada averages $2,100 per year for full coverage. The state minimum coverage is 25/50/20.
Yes, Nevada has above-average insurance costs, with home insurance at $1,400/yr and auto at $2,100/yr compared to national averages of $2,300 and $1,800 respectively.
Nevada requires minimum liability coverage of 25/50/20 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.