Nevada

Auto and home insurance in Nevada

State auto minimums, homeowners premium averages, and city guides for Nevada households. A quote is not a binder.

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60% of Nevada households own their home, the median owner-occupied home is valued at $435,400, and 71% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Nevada families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.

Nevada auto insurance requirements

Nevada requires liability limits of at least 25/50/20 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.

Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.

Average homeowners premiums in Nevada

The NAIC's 2023 average HO-3 premium in Nevada was $1,013, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.

Dwelling coverage amountNevada average HO-3 premium (2023)Countrywide average
Under $150,000$416$954
$150,000–$199,999$676$1,192
$200,000–$224,999$727$1,282
$225,000–$249,999$759$1,297
$250,000–$274,999$774$1,350
$275,000–$299,999$791$1,414
$300,000–$324,999$809$1,475
$325,000–$349,999$839$1,492
$350,000–$399,999$877$1,598
$400,000–$449,999$942$1,679
$450,000–$499,999$1,006$1,825
$500,000–$599,999$1,108$1,973
$600,000–$699,999$1,265$2,249
$700,000–$999,999$1,810$2,916
$1,000,000 and over$2,627$4,314
All amounts (state average)$1,013$1,737

Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).

How Nevada drives

Statewide, 71% of workers drive alone, 11% carpool, and 12% work from home. 11% commute 45 minutes or more, and 22% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.

What moves a Nevada auto and home quote

  1. Driving records and the number of drivers and vehicles.
  2. Mileage and garaging, including commute length.
  3. Rebuild cost and the age of the roof and home systems.
  4. Local losses, especially extreme heat on roofs and car batteries and monsoon flash flooding.
  5. Deductibles and limits on both policies.
  6. Claims history and other rating factors allowed in Nevada.
  7. Discounts such as multi-policy, multi-car, and protective devices.

City guides for Nevada

Guides

More Nevada communities

We accept quote requests from anywhere in Nevada. Other cities and towns, listed by county:

  • Elko County — Carlin; Wells
  • Lincoln County — Caliente
  • Pershing County — Lovelock

Auto and home insurance in Nevada: FAQ

What is the minimum car insurance in Nevada?

Liability of 25/50/20. Other required coverage: none beyond liability.

What is the average homeowners premium in Nevada?

The NAIC reported a 2023 Nevada HO-3 average of $1,013, 9th highest of the ten states we cover; the countrywide average was $1,737.

Can I bundle auto and home in Nevada?

Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.

Who regulates insurance in Nevada?

The Nevada Division of Insurance licenses insurers, handles complaints, and publishes consumer guides.

Sources

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Last updated October 15, 2026 · How we research