Housing
California vs Nevada: Home Insurance Cost
Nevada has cheaper average home insurance than California by $136.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
California
#8 · $1,348/yr
Nevada
#6 · $1,212/yr
Best
Worst
10 Best States — Home Insurance Cost
Lower is better
#1
Hawaii
$601/yr
Hawaii
#2
Delaware
$976/yr
Delaware
#3
Vermont
$1,054/yr
Vermont
#4
Oregon
$1,083/yr
Oregon
#5
New Hampshire
$1,152/yr
New Hampshire
#6
Nevada
$1,212/yr
Nevada
#7
Alaska
$1,323/yr
Alaska
#8
California
$1,348/yr
California
#9
Wisconsin
$1,388/yr
Wisconsin
#10
Maine
$1,424/yr
Maine
California ranks 8th and Nevada ranks 6th nationally for home insurance cost.
What this means
California vs Nevada: Home Insurance Cost in context
Nevada's home insurance cost is $1,212/yr, compared with $1,348/yr in California. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
California
$1,348/yr
Nevada
$1,212/yr
Difference
$136
People also ask
California vs Nevada Home Insurance Cost — common questions
QWhat is California's home insurance cost?
California's home insurance cost is $1,348/yr.
QWhat is Nevada's home insurance cost?
Nevada's home insurance cost is $1,212/yr.
QWhich state has a lower home insurance cost — California or Nevada?
Nevada has cheaper average home insurance than California by $136.
More comparisons: California vs Nevada
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Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.