Below are our picks for the best home and auto insurance bundling companies in Nevada:
Best Home and Auto Insurance in Nevada
Updated: April 7, 2025
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Key Takeaways
Auto-Owners, USAA and State Farm are Nevada's top home and auto insurance companies.
State Farm offers the best home and auto insurance discount, with savings of 13% on auto and 35% on home insurance.
The average annual cost of home and auto insurance in Nevada is $2,373, about 23% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Nevada?
| Auto-Owners | 97 | $2,095 | $283 |
| USAA | 92 | $2,293 | $191 |
| State Farm | 84 | $2,068 | $594 |
| Nationwide | 78 | $2,474 | $219 |
| Farmers | 67 | $2,474 | $770 |
| Allstate | 63 | $2,832 | $402 |
State Farm: Best Cheap Home and Auto Insurance in Nevada
State Farm offers the cheapest home and auto insurance in Nevada, with discounts of 13% on auto and 35% on home insurance. The company provides various discounts, including the Steer Clear program for young drivers. State Farm also ranks well for customer experience, placing fifth for auto and seventh for home insurance in J.D. Power studies.
| Auto | $1,339 | $202 | 13% |
| Home | $729 | $392 | 35% |
USAA: Best Home and Auto Insurance in Nevada for Military
USAA is a top choice for military members and their families seeking home and auto insurance, offering the third-cheapest rates in Nevada. The company provides various discounts and unique coverage options, including its SafePilot program, which can save drivers up to 30% for safe driving. According to J.D. Power, USAA ranks first for home and auto insurance customer satisfaction.
| Auto | $1,204 | $84 | 6% |
| Home | $1,089 | $107 | 9% |
Nationwide: Best Home and Auto Insurance Coverage Options in Nevada
Nationwide isn't the cheapest option for home and auto insurance in Nevada, but it offers various discounts to help customers save money, including its usage-based car insurance program that can provide up to 40% off. Nationwide's unique coverage options include disappearing deductible, accident forgiveness and home equipment breakdown coverage.
| Auto | $1,554 | $72 | 4% |
| Home | $920 | $147 | 14% |
Nevada Home and Auto Insurance Cost
The average monthly cost of home and auto insurance in Nevada is $198, below the national average of $258. Depending on the provider, monthly rates range from $172 to $236.
| Nevada home and auto insurance bundle | $2,373 | $721 | -23% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Nevada Home and Auto Insurance Quotes Without Bundling
Not bundling home and auto insurance in Nevada can be more affordable, but your quotes may differ. Below are the average costs of all coverage combinations from our top providers without bundling, from cheapest to most expensive.
| USAA | Farmers | $1,996 |
| Auto-Owners | Farmers | $2,187 |
| USAA | Auto-Owners | $2,187 |
| State Farm | Farmers | $2,249 |
| USAA | Allstate | $2,264 |
| Nationwide | Farmers | $2,335 |
| USAA | Nationwide | $2,354 |
| USAA | State Farm | $2,409 |
| State Farm | Auto-Owners | $2,441 |
| Auto-Owners | Allstate | $2,455 |
| State Farm | Allstate | $2,517 |
| Nationwide | Auto-Owners | $2,526 |
| Auto-Owners | Nationwide | $2,546 |
| Auto-Owners | State Farm | $2,600 |
| Nationwide | Allstate | $2,603 |
| State Farm | Nationwide | $2,608 |
| Auto-Owners | USAA | $2,675 |
| State Farm | USAA | $2,737 |
| Nationwide | State Farm | $2,748 |
| Nationwide | USAA | $2,823 |
| Allstate | Farmers | $2,966 |
| Allstate | Auto-Owners | $3,157 |
| Allstate | Nationwide | $3,324 |
| Allstate | State Farm | $3,379 |
| Farmers | Auto-Owners | $3,435 |
| Allstate | USAA | $3,454 |
| Farmers | Allstate | $3,511 |
| Farmers | Nationwide | $3,602 |
| Farmers | State Farm | $3,656 |
| Farmers | USAA | $3,732 |
Should I Bundle Home and Auto Insurance in Nevada?
For Nevada drivers, bundling home and auto insurance is usually more expensive than buying each separately. Evaluate your coverage needs and financial situation to determine the best option.
Individual policies cost less in Nevada
Nevada's cheapest annual home and auto insurance cost without bundling is $1,996. With bundling, the cost rises to $2,068.
Bundling makes policy management convenient
Bundling policies makes managing your insurance easier since it’s through a single account.
It might be better not to bundle in Nevada
Purchasing nonbundle insurance can help you save more money and provide more flexibility in coverage options.
Best Auto and Home Insurance in Nevada: Bottom Line
State Farm, Nationwide and USAA are the top companies in Nevada for bundling home and auto insurance. However, buying policies separately typically costs less. Compare multiple companies and get quotes for yourself to find the best deal for your situation.
Home and Auto Insurance in Nevada: FAQ
Find expert answers to common questions about Nevada home and auto insurance here:
Who has the best home and auto insurance in Nevada?
State Farm is the best home and auto insurance company for most Nevada drivers. USAA is the top option for military members, while Nationwide offers the best coverage options.
Who has the cheapest home and auto insurance in Nevada?
State Farm offers the cheapest home and auto insurance bundle in Nevada, with an annual premium of $2,068. Customers save an average of $594 annually compared to the state average.
How much does home and auto insurance in Nevada cost on average?
Nevada's average bundled home and auto insurance costs $2,373 yearly, about 23% below the national average. State Farm offers the cheapest bundle at $2,068 annually, while Allstate is the most expensive at $2,832.
Is bundling home and auto insurance cheaper in Nevada?
Buying separate home and auto insurance policies in Nevada is typically cheaper than bundling. Make sure you're well-protected financially.
Best Auto and Home Insurance Bundle in Nevada: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Nevada Division of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Nevada
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Nevada
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.