Compare average insurance rates in North Las Vegas for 2026
🏠
Home
$1442
/year
🚗
Auto
$2163
/year
🏥
Health
$522
/month
💰
Life
$23
/month
🏢
Renters
$16
/month
Home Insurance in North Las Vegas, NV
The average cost of homeowners insurance in North Las Vegas, Nevada is $1,442 per year in 2026. This compares to the state average of $1,400 per year.
$1,442per year (avg in North Las Vegas)
$927NV avg: $1,400$2060
Factors Affecting Home Insurance in North Las Vegas
🏠
Home Value Average: $410,000
🌪
Weather Risk low
🌊
Flood Zone 3% of properties
📈
Cost Index 1.03 (100 = national avg)
📌
Earthquake Zone: North 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
$1,081
Standard (HO-3)
$410,000
$205,000
$300,000
$1,442
Premium (HO-5)
$512,500
$307,500
$500,000
$1,946
Auto Insurance in North Las Vegas, NV
The average annual cost of auto insurance in North Las Vegas is $2,163, compared to the Nevada state average of $2,100.
$2,163per year (avg in North Las Vegas)
$1339NV avg: $2,100$3090
📋
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
$1,189
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,163
Premium
250/500/250
$250 deductible
$250 deductible
$2,811
Health Insurance in North Las Vegas, NV
The average monthly health insurance premium in North Las Vegas is $522 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$522per 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
$522
$4,500
$9,100
Moderate usage
Gold
$652
$1,650
$8,700
Regular medical needs
Platinum
$783
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in North 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 North Las Vegas)
Renters insurance in North 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 North Las Vegas
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in North Las Vegas, NV is $1,442 per year for a standard HO-3 policy. Rates range from $927 to $2,060 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in North Las Vegas is $2,163 per year for full coverage. Liability-only coverage averages around $973 per year. Nevada requires minimum coverage of 25/50/20.
Insurance costs in North Las Vegas are close to the national average (cost index: 1.03). Home insurance averages $1,442/yr and auto insurance $2,163/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.03), 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. North Las Vegas residents can potentially save $721+ 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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