Affordable Home Insurance in Nevada
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What drives home insurance rates in Nevada
Average homeowners premium, 2023
$1,013
The average homeowners policy in Nevada cost $1,013 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
62.1¢
Home insurers in Nevada paid 62.1 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
4
NOAA logged 0 tornado, 0 large-hail and 4 flash-flood event reports in Nevada in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#33
FEMA ranks Nevada #33 of 51 for expected annual loss from natural hazards; flood accounts for 38% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Nevada
The ten insurer groups that wrote the most home premium in Nevada in 2025, with their share of the state total of $1.2 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 18.46% | $213 million |
| 2 | Farmers Insurance Group | 11.23% | $129 million |
| 3 | Allstate Insurance Group | 10.76% | $124 million |
| 4 | American Family Insurance Group | 9.57% | $110 million |
| 5 | United Services Automobile Association Group | 8.75% | $101 million |
| 6 | Travelers Group | 7.31% | $84 million |
| 7 | Csaa Insurance Group | 5.8% | $67 million |
| 8 | Liberty Mutual Group | 5.19% | $60 million |
| 9 | Country Insurance & Financial Services Group | 2.45% | $28 million |
| 10 | Progressive Group | 2.25% | $26 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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