Las Vegas Insurance Rates:

Las Vegas, NV home insurance is approximately $541 to $732, about $45-$61/month. Our all inclusive analysis shows customers can save as much as $254 by getting many quotes

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Las Vegas Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $300/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

5 Beds, 5 Bath 2170 sqft Primary Residence Constructed In 1994 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1220 sqft Rental Property Constructed In 2010 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2010 sqft Rental Property Constructed In 1983 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $890/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 3780 sqft Rental Property Constructed In 2013 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/3 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $80,000

1 Bed, 1 Bath 627 sqft Primary Residence Constructed In 1996 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

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Las Vegas Rates & Quotes Analysis:

Las Vegas Area Estimated House Insurance
Butterchurn Ave, Braided River Ave, Barbuda Rd, Mapleleaf St, Tadpole Ln, Coronado Canyon Ave, Masked Duck Ave, N Dara St, Spring Bud Dr, Morgan Springs Ave$611
Lupine Bush Ct, Rainer Ct, Lacey Tree St, Nevada Falls, Monmouth Ct, E Duskyseed Ct, Bethany St, Dogwood Ranch Ave, Cardinal Dr, Nike Way$628
Vanderhoof Ct, Pacific Crestwood Pl, Davis Pl, Bent Arrow Dr, N High Range Dr, Whipplewood Way, Glacial Lake St, Pinehurst Dr, Finestra Dr, Stout Way$649
S Crowntop Cir, Burensburg Ave, Fieldcrest Rd, Lake Terrace Dr, Painted Desert Dr, Isle Pointe Ct, Broad Peak Dr, Lake Isle Ct, S Abbeyfield Rose Dr, Addison Walk Ct$621
Cross Ln, Daisy Drop, Denia Cir, N Point Powell Ct, San Jose Ave, Palm Canyon Ct, Moth Orchid Ct, Farndale Ave, Auborn Ave, Silver Meadow Ct$634
W Journal Ct, Quail Roost Way, Alpine Bypass Ave, N 22nd St, S Pueblo Blvd, Bishop Dr, Catalina Marie Ave, Rio del Sol Dr, Ruperts Ct, Patricia Ave$607
McCarran St, Progressive Ct, Rappeling, W New London Ct, Ann Dr, Steinke Ln, Shandin Hills Way, Night Swim, Bird Spring, Golden Scots Ct$620
Zafra Ct, Soso St, Outpost Dr, Kelly Barry Way, Pelham Park Ave, Candy Mint Ave, Hurkling Stone Ave, S Ada, Mabel Rd, Melton St$608
Gatewood Dr, Hurricane Cove Ct, Morado Hill Ln, Cereus Ct, Green Palms St, Windy Leaf, Redstone St, Scenic Crest Dr, S Banner Cloud Ct, Wrangler Ct$642
W Amaryllis Hills Ave, Mowbray Ct, McAfee Ct, Upper Meadows Pl, Heffner Hills Cir, Greenlake Way, S Giles St, Sherbrooke Pl, Sun Rose Cir, Jebel Ave$634

Insurance rates are influenced by a number of factors including:

  • Year Built: 226,461 Homes (29% of total homes ) built between 1990 to 1999 in Las Vegas are paying home insurance between $917-$927. Places close to Las Vegas, NV such as Nellis AFB, Henderson, Enterprise are more expensive by $20, $29, $25 respectively while Winchester and Sunrise Manor are cheaper by $26 and $29 respectively for similar homes.
  • Bedrooms: 208,711 2 bedrooms homes (28% of total homes ) in Las Vegas are paying about $388 and varies from Spring Valley (+$4), Nellis AFB (+$9), Henderson (+$13), Winchester (-$11) and Sunrise Manor (-$6).
  • Auto Insurance Bundling: 155,525 Households (44% of all households) in Las Vegas have 2 vehicles available and when it is bundled with home insurance you can save $127 in contrast with Winchester ($123), Paradise ($126), Whitney ($123).
  • Senior Discounts: 156,655 seniors (more than 55 years) occupied housing units (45% of total) in Las Vegas get discounts between $95 to $97 in contrast with Winchester ($92), Paradise ($95), Spring Valley ($96).
  • New Homes discounts: New homes such as the 476,746 homes built between 2000 to 2009 in Las Vegas can save $127 and varies from Winchester ($123), Paradise ($126), Whitney ($123).

Las Vegas Homeowners insurance Facts

  • Las Vegas, NV has 345,949 owner occupied houses which is 54.0% of all units whereas Winchester, Paradise and Whitney have 37.15%, 43.02% and 58.66% respectively.
  • Las Vegas, NV homeowners yearly insurance price at $636 is 0.36% of the typical house value of $176,800 which is in contrast with 0.5% in Winchester, 0.38% at Paradise & 0.5% in Whitney.
  • Homeowners in Las Vegas, NV pay 1.7% of their income ($35,000 to $39,999) in insurance whereas homeowners in Winchester, Paradise and Whitney pay 1.65%, 1.69% and 1.65% respectively.
  • Las Vegas, NV’s insurance is 3.2% of monthly housing costs of $1,685/month, for owners with a mortgage compared to 3.78% in Winchester, 3.34% at Paradise & 3.66% in Whitney. But, for households without a mortgage, insurance is 12.1% of costs ($437 in Las Vegas, NV) in contrast with 11.0% in Winchester, 11.79% at Paradise & 13.99% in Whitney.

Las Vegas, NV Home Values & Insurance rates

For example, insurance for 10,908 Homes (3.0% of total homes ) valued between $90,000 to $99,999 in Las Vegas, NV is about $337. Rates in nearby areas in such as Spring Valley, Henderson, Enterprise are cheaper by $23, $75, $63 respectively while Winchester and Paradise are costlier by $132 and $18 respectively for similar homes.

Las Vegas, NV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 22,524 7.0% $89
$50,000 to $59,999 6,671 2.0% $184
$60,000 to $69,999 7,984 2.0% $228
$70,000 to $79,999 9,257 2.0% $267
$80,000 to $89,999 12,143 3.0% $305
$90,000 to $99,999 10,908 3.0% $337
$100,000 to $124,999 34,836 11.0% $394
$125,000 to $149,999 28,910 9.0% $489
$150,000 to $174,999 38,038 12.0% $578
$175,000 to $199,999 24,122 7.0% $674
$200,000 to $249,999 48,105 15.0% $807
$250,000 to $299,999 33,827 10.0% $985
$300,000 to $399,999 35,980 11.0% $1252

Renters Insurance in Las Vegas

  • Average Renters Insurance in Las Vegas :  $194($16/month)

  • Median Gross Rent in Las Vegas :  $1,027

  • Las Vegas Renters Insurance to Median Rent Ratio:  1.56%

  • Renter occupied housing units in Las Vegas :  294,176

Las Vegas Renters Insurance as a Percentage of Rent

Las Vegas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 6,559 2.0% $1248
$500 to $749 44,119 15.0% $1923
$750 to $999 81,475 28.0% $2673
$1,000 to $1,499 106,845 37.0% $3798
$1,500 or more 43,526 15.0% $5448

Rent Affordability in Las Vegas:

Approximately 45.0% (134,412) of households are spending more than 35% of their income on gross rent in Las Vegas

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 26,083 8.0%
15.0 to 19.9 percent 35,792 12.0%
20.0 to 24.9 percent 38,551 13.0%
25.0 to 29.9 percent 33,447 11.0%
30.0 to 34.9 percent 25,891 8.0%
35.0 percent or more 134,412 45.0%

Las Vegas Renters Insurance Discounts:

Las Vegas Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Las Vegas, NV Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 141,258 48.0% $19.4
2 vehicles available 84,651 28.0% $29.1
3 or more vehicles available 22,611 7.0% $38.8

Las Vegas Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 19,922 6.0% $102
60 to 64 years 15,043 5.0% $82
65 to 74 years 20,086 6.0% $66
75 years and over 13,250 4.0% $51

Protective device discount in Las Vegas Up to :  $29

Claims-free discount in Las Vegas Up to :  $38

Las Vegas, NV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
89101 $90,900 $610
89115 $90,200 $610
89135 $366,000 $710
89124 $332,100 $700
89144 $274,800 $680
89131 $251,200 $660
89117 $250,500 $670
89134 $245,900 $660
89113 $244,800 $670
89149 $236,200 $660
89141 $232,000 $670
89148 $230,400 $660
89146 $229,400 $670
89143 $219,400 $660
89129 $211,900 $650
89109 $207,500 $660
89123 $205,400 $650
89139 $203,100 $650
89130 $198,900 $650
89128 $198,700 $650
89147 $184,800 $650
89118 $180,200 $640
89120 $173,900 $650
89145 $162,600 $640
89102 $159,500 $640
89119 $140,000 $630
89108 $128,600 $620
89142 $125,000 $620
89110 $123,600 $620
89156 $123,200 $630
89121 $123,100 $620
89103 $120,300 $620
89122 $117,200 $620
89107 $115,400 $620
89106 $110,800 $620
89104 $100,300 $610