In North Las Vegas, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. If you're focused on cost, Capital Insurance Group has the most affordable home insurance premium at $89 monthly.
Cheap Home Insurance in North Las Vegas
Updated: October 30, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the best overall value for homeowners in North Las Vegas, while Capital Insurance Group offers the most affordable coverage at $1,065 annually.
Home insurance in North Las Vegas costs around $153 per month, totaling $1,837 yearly, for most residents.
To secure the best and cheapest home insurance, determine your coverage needs, research providers and compare multiple quotes carefully.
Best Cheap Home Insurance Companies in North Las Vegas
| State Farm | 82 | $124 | $1,483 |
| American Family | 76 | $142 | $1,701 |
| Capital Insurance Group | 70 | $89 | $1,065 |
| Nationwide | 66 | $165 | $1,984 |
| Farmers | 56 | $179 | $2,142 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does North Las Vegas Home Insurance Cost?
Home insurance costs in North Las Vegas depend on factors like your home's age, chosen coverage and personal profile. Monthly rates range from $54 to $535. Use the table below to explore rates tailored to your situation.
If you're planning to live elsewhere in the state, MoneyGeek also explored the cheapest home insurance providers in Nevada.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $54 | $644 |
How to Get the Best Cheap Home Insurance in North Las Vegas
In North Las Vegas, finding affordable home insurance can be challenging. We created a step-by-step guide to help you discover the best cheap homeowners insurance that suits your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand helps you compare quotes easily and avoid being upsold by agents.
- 2Research Cost and Discounts
Checking average home insurance costs in Nevada by city and profile gives you a solid reference point for evaluating potential savings. Reviewing the best homeowners insurance in Nevada also helps you see which providers offer the strongest mix of affordability and reliability statewide, which is useful if you’re comparing coverage outside North Las Vegas too.
- 3Compare Company Offerings and Reputations
Evaluate add-on coverages and company reputation beyond just pricing for an informed choice. Use resources like J.D. Power, the NAIC, Reddit and Trustpilot for reviews and assessments of service quality.
- 4Compare Many Quotes Through Multiple Means
Comparing quotes helps you identify the cheapest option for equivalent coverage. Prices vary with the source, so request quotes online and from independent agents and captive agents for the best price.
Best Home Insurance in North Las Vegas: Bottom Line
The best and most affordable home insurance companies in North Las Vegas are State Farm, American Family and Capital Insurance Group. Comparing multiple quotes on your own is the smartest way to ensure you're getting the best rate.
North Las Vegas Home Insurance: FAQ
Below, we answer common questions about home insurance in North Las Vegas.
Who offers the best home insurance in North Las Vegas?
Our top pick for home insurance in North Las Vegas is State Farm, with competitive rates, strong customer service and a good selection of coverage options. We also recommend getting quotes from American Family, Capital Insurance Group, Nationwide and Farmers.
Who has the cheapest home insurance in North Las Vegas?
Capital Insurance Group provides the most affordable home insurance in North Las Vegas at around $89 per month or $1,065 per year. Rates vary widely depending on your coverage level and home characteristics.
What does home insurance cost in North Las Vegas?
Home insurance costs in North Las Vegas range from $644 to $6,419 annually, based on coverage level and home age.
How We Decided the Best Cheap Home Insurance Companies in North Las Vegas
MoneyGeek’s study analyzed home insurance premiums from 10 companies in North Las Vegas. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.