Cheapest Auto Insurance in Reno, Nevada (2025)
COUNTRY Financial offers the cheapest car insurance in Reno, with minimum-coverage policies as low as $35 per month.
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Written byAlani Asis
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Edited byDanny Smith
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDaniel Roccato
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
The overall average cost of car insurance in Reno is $135 per month, well below Nevada’s average rate of $196 per month, according to Insurify data.
Reno is home to tourist attractions comparable to larger urban centers. But its population is relatively small compared to other cities in Nevada, hence its moniker as the “biggest little city in the world.”[1] This may be why drivers in Reno pay lower rates than drivers in other parts of the state.
While Reno’s rates are more affordable than Nevada’s average, you can still score additional savings on your auto insurance policy by comparing quotes from multiple insurers.
Quick Facts
COUNTRY Financial, State Farm, and USAA have the cheapest car insurance in Reno.
Reno drivers pay a monthly average of $103 for liability-only auto insurance and $167 for full-coverage auto insurance.
Full-coverage insurance in Reno costs an average of $2,004 per year.
3 of the cheapest car insurance companies in Reno
The right car insurance for you will depend on your unique situation and needs. Your rates will also vary based on factors such as your age, gender, location, driving record, and more.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| COUNTRY Financial | 9.1 | $69 | $53 | Cheap rates |
| State Farm | 9.3 | $100 | $77 | Families |
| Allstate | 8.9 | $179 | $138 | Accident forgiveness |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: COUNTRY Financial
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $46/mo |
4.0
Best choiceBased on 56 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (34)
Tracy
Verified Review
Insurance Experience
Reviewed in Nevada on October 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Teresa
Verified Review
Getting too pricey
Reviewed in Illinois on October 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
COUNTRY Financial offers the most affordable rates for drivers in Reno. You can also get extra savings on your policy with its unique deals, like engaged couples or occupation discounts.
Pros
Local agents available for personalized support
Wide range of coverage options
Cons
Available in only 19 states
No rideshare insurance
Best insurer for families: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
4.1
Best choiceBased on 12,211 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,401)
Carolyn
Verified Review
Customer Care - Lacking. Need to Find a Caring P&C Agency!
Reviewed in Florida on November 2025
I was a State Farm policyholder for over 30 years, and when I needed them, I got no support or help. Prior agents were significantly better than this one, who doesn't seem to care about her clients.
Christie
Verified Review
Not bad but a bit disappointing
Reviewed in Ohio on November 2025
Good, other than I have to wait until I renew my policy in 6 months. Can I get them to rerun my thing because I had some things fall off last month?
Mark
Verified Review
I love State Farm...
Reviewed in California on November 2025
I've been with State Farm since 1990. No issues ever.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Families may appreciate State Farm’s affordable rates for all ages and driving histories. The company also offers student, multi-car, and multi-line discounts to decrease costs if you have a teen on your policy.
Pros
AM Best financial strength rating of A++ (Superior)
More than 100 years of service in the car insurance industry
Cons
Mixed customer review ratings
Limited discounts
Best insurer for accident forgiveness: Allstate
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $90/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
3.9
A solid optionBased on 7,445 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,850)
David
Verified Review
Won't use All-State for home insurance anymore.
Reviewed in Alabama on November 2025
I found out from a previous employee about their directive that they are not supposed to cover roof damage. Unfortunately, it was after my roof was damaged. They said it was not wind damage even though two trees were blown down and my son's trampoline was blown over 30 feet.
Ronald
Verified Review
Difficult to Reach Customer Service
Reviewed in Texas on November 2025
You can rarely reach a human unless you’re signing up for insurance. After that, it’s all voicemail with no follow-up on your phone calls.
Howard
Verified Review
Allstate Taking Seniors Broke
Reviewed in Florida on November 2025
They have increased their pricing every year without notice, taking seniors broke.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate offers accident forgiveness coverage, preventing your rates from climbing after your first accident. To sweeten the deal, Allstate offers unlimited accident forgiveness with its Platinum package, so you don’t have to worry about increased premiums after a collision.
Pros
Financial rating of A+ (Superior) from AM Best
Multitude of discounts
Cons
May have more expensive premiums compared to competitors
Higher-than-average number of customer complaints from the National Association of Insurance Commissioners (NAIC)
)
The 10 Best Car Insurance Comparison Sites in 2025
How to get the cheapest car insurance in Reno
The cheapest car insurance doesn’t always offer the best coverage for your needs. Before deciding, you should first consider various factors, such as customer service, financial stability, and coverage options.
Still, you’ll want to score a good deal on your car insurance to afford your monthly premiums. Here are some ways you can save money on your policy:[2]
Compare quotes. Gather quotes from at least three reputable insurance companies. Ensure that your coverage limits are the same across the board for the most accurate comparison.
Apply for discounts. Check your insurer’s website for the discounts you may qualify for. Many insurance companies offer discounts for bundling insurance products, being a safe driver, or being part of an affiliated group.
Keep your risk level low. Having a clean driving record, a good credit score, and driving a safe vehicle can lower your risk profile, which may result in cheaper rates.
Carefully evaluate coverages. You may not need all the extra coverage options an insurer offers. You can lower insurance premiums by only purchasing the coverage you require, or increasing your collision and comprehensive deductibles.
Find Car Insurance in Reno, Nevada
Liability rates start at $35 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest liability-only car insurance in Reno: COUNTRY Financial
A liability-only car insurance policy covers damages and injuries that you cause to others. While this basic insurance is usually the most affordable policy a company offers, coverage excludes your medical expenses and vehicle repairs. A liability-only policy may be a good option if you own a paid-off, older, less-expensive vehicle.
Drivers in Reno pay an average of $103 per month for liability-only car insurance. Below are the average monthly liability-only car insurance rates from insurers serving the Reno area.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $35 |
| State Farm | $50 |
| USAA | $70 |
| Allstate | $90 |
| Sun Coast | $103 |
| Mercury | $107 |
| Root | $115 |
| Safeco | $125 |
| Direct Auto | $126 |
| GEICO | $138 |
| Farmers | $141 |
| Nationwide | $145 |
| Bristol West | $160 |
| Travelers | $168 |
| American Family | $173 |
| Liberty Mutual | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Reno: COUNTRY Financial
Full-coverage car insurance covers your losses or damages regardless of who caused the accident by including collision and comprehensive coverage alongside liability coverage.
Though more expensive than a liability-only policy, this all-inclusive coverage may be worth the extra cost for drivers who spend considerable time behind the wheel, people who drive in high-risk areas, or people with expensive cars. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage car insurance.
Drivers in Reno pay an average of $167 per month for full-coverage car insurance. If you prioritize complete protection, the companies below offer the cheapest full-coverage rates in Reno.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $46 |
| State Farm | $66 |
| USAA | $93 |
| Progressive | $118 |
| Allstate | $119 |
| Safeco | $137 |
| Mercury | $155 |
| GEICO | $160 |
| Root | $175 |
| Sun Coast | $175 |
| Farmers | $185 |
| Nationwide | $192 |
| Liberty Mutual | $194 |
| Direct Auto | $205 |
| Travelers | $222 |
| American Family | $227 |
| Bristol West | $258 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Nevada
Nevada is a tort state, meaning you must cover the other party’s injuries and damages if you’re at fault in an accident. These are the minimum liability insurance requirements in the state of Nevada:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
Car accidents can amount to thousands of dollars in car repairs, medical expenses, legal fees, and more. Your auto insurance policy steps in so you don’t have to pay out of pocket in unanticipated costs. Consider these additional coverages for more peace of mind on the road:
Collision coverage
Collision insurance covers vehicle repairs and replacement if you’re involved in a car crash, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers losses and damages from non-collision-related incidents, like theft, vandalism, or natural disasters.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage takes care of coverage gaps if you sustain damages or injuries in an accident where the other person is responsible but lacks sufficient insurance.
Personal injury protection (PIP) coverage
Personal injury protection pays for you and your passenger’s medical expenses if you’re injured in a vehicle accident so that you can receive medical care immediately.
Cheapest car insurance in Reno for drivers with an incident
Driving incidents like at-fault accidents, speeding tickets, driving under the influence (DUI), or other moving violations may cause an increase in your auto insurance rates. Incidents indicate to insurers that you’re a risky driver, which often leads them to raise your premiums.
Cheapest recent rates near Reno, Nevada
Recent Reno, Nevada car insurance prices for Nissan, Jeep, Toyota , and more.
*Quotes generated for Insurify users in and around Reno, Nevada within the last 10 days. Last updated on November 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Reno, Nevada within the last 10 days. Last updated on November 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial
Getting a speeding ticket signals to insurers that you’ve engaged in risky driving. As a result, you may see a slight rise in your premiums for up to five years.
Drivers in Reno with a speeding ticket on record pay a monthly average of $124 for liability-only auto insurance and $201 for full-coverage insurance.
Drivers with a speeding ticket on their record can find car insurance with these companies in Reno.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| COUNTRY Financial | $35 | $46 |
| State Farm | $50 | $61 |
| USAA | $70 | $87 |
| Allstate | $90 | $113 |
| Sun Coast | $103 | $124 |
| Mercury | $107 | $146 |
| Root | $115 | $149 |
| Safeco | $125 | $161 |
| Direct Auto | $126 | $155 |
| GEICO | $138 | $176 |
| Farmers | $141 | $175 |
| Nationwide | $145 | $182 |
| Bristol West | $160 | $196 |
| Travelers | $168 | $211 |
| American Family | $173 | $217 |
| Liberty Mutual | $177 | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: COUNTRY Financial
At-fault accidents can increase your premiums dramatically. Insurers see you as higher risk, so they bump up your premiums to account for the extra liability.
Reno drivers with an at-fault accident on record pay a monthly average of $129 for liability-only auto insurance and $209 for full-coverage insurance.
If you’re in the market for car insurance, the following companies offer coverage for drivers in Reno with an at-fault accident.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| COUNTRY Financial | $35 | $46 |
| State Farm | $50 | $63 |
| USAA | $70 | $90 |
| Allstate | $90 | $115 |
| Sun Coast | $103 | $129 |
| Mercury | $107 | $154 |
| Root | $115 | $146 |
| Safeco | $125 | $170 |
| Direct Auto | $126 | $166 |
| GEICO | $138 | $170 |
| Farmers | $141 | $180 |
| Nationwide | $145 | $187 |
| Bristol West | $160 | $203 |
| Travelers | $168 | $216 |
| American Family | $173 | $222 |
| Liberty Mutual | $177 | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: COUNTRY Financial
A DUI can spell severe legal and financial consequences, including expensive insurance premiums. Nevada drivers may be required to obtain an SR-22 certificate to prove they carry the minimum liability coverage.
Insurers that offer SR-22 insurance often do so at a costly rate. Reno drivers with a DUI pay monthly averages of $166 for liability-only car auto insurance and $269 for full coverage.
While coverage may be more pricey for drivers with a DUI, you can still find a policy from the insurers listed below.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| COUNTRY Financial | $35 | $54 |
| State Farm | $50 | $77 |
| USAA | $70 | $108 |
| Allstate | $90 | $139 |
| Sun Coast | $103 | $166 |
| Mercury | $107 | $171 |
| Root | $115 | $176 |
| Safeco | $125 | $204 |
| Direct Auto | $126 | $194 |
| GEICO | $138 | $208 |
| Farmers | $141 | $217 |
| Nationwide | $145 | $223 |
| Bristol West | $160 | $247 |
| Travelers | $168 | $259 |
| American Family | $173 | $267 |
| Liberty Mutual | $177 | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: COUNTRY Financial
In most cases, insurance rates decrease as you gain more experience on the road; but senior drivers may begin seeing their insurance bill increase in their mid-70s. The likelihood of an accident increases at age 70 due to an increased risk of getting into accidents and being seriously injured in an accident.
Drivers older than 60 pay a monthly average of $83 for liability-only insurance and $135 for full-coverage insurance. Older drivers can find car insurance policies with the following companies in Reno.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $28 | $36 |
| State Farm | $38 | $50 |
| USAA | $55 | $73 |
| Allstate | $71 | $94 |
| Sun Coast | $83 | $141 |
| Mercury | $84 | $122 |
| Root | $94 | $142 |
| Direct Auto | $98 | $160 |
| Safeco | $106 | $116 |
| GEICO | $106 | $123 |
| Nationwide | $107 | $142 |
| Farmers | $108 | $142 |
| Bristol West | $128 | $207 |
| Travelers | $130 | $172 |
| American Family | $134 | $176 |
| Liberty Mutual | $143 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
With less experience on the road, young drivers are more susceptible to accidents and risky driving behavior. As a result, insurers charge teen drivers steep rates. Teenagers can stay on their parents’ insurance, drive a safe car, or take advantage of good student discounts to lower their insurance premiums.
Teen drivers in Reno pay a monthly average of $179 for liability-only insurance and $291 for full-coverage insurance. To get the best policy rates in Reno, young drivers can shop for insurance from the companies listed below.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $54 | $71 |
| State Farm | $94 | $125 |
| USAA | $126 | $168 |
| Allstate | $174 | $230 |
| Sun Coast | $179 | $305 |
| Mercury | $195 | $282 |
| Root | $196 | $298 |
| Direct Auto | $242 | $394 |
| GEICO | $244 | $283 |
| Safeco | $245 | $269 |
| Farmers | $271 | $355 |
| Nationwide | $277 | $367 |
| Bristol West | $280 | $451 |
| Liberty Mutual | $306 | $335 |
| American Family | $319 | $419 |
| Travelers | $337 | $445 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Reno car insurance quotes by credit tier
Nevada permits insurance companies to consider your credit history when assessing and underwriting your policy.[4] Generally, the better your credit score is, the less likely you are to file a claim. An excellent or good credit score can mean lower rates, while a poor credit score may result in higher rates, as illustrated in the chart below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Reno?
The overall monthly cost of car insurance in Reno is $135, which is similar to the national average of $138 but much cheaper than Nevada’s average of $196 per month. Keep in mind that your insurance premiums will vary based on the city you live in.
The population of your city can influence your insurance rates. A higher population density means more traffic and an increased likelihood of an accident. Crime rates, weather severity, frequency, and traffic laws in your city also affect the cost of your insurance policy.
More cities in Nevada
Car insurance in Reno is relatively affordable compared to other cities in Nevada. Las Vegas is considerably more expensive than Reno, likely due to its large population and high crime rate.[5] Conversely, Sparks is cheaper than Reno partly because it’s less populated.
City | Full Coverage | Liability Only |
|---|---|---|
| Henderson | $243 | $165 |
| Las Vegas | $282 | $197 |
| North Las Vegas | $272 | $199 |
| Pahrump | $209 | $134 |
| Sparks | $179 | $102 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Reno car insurance FAQs
Finding the right car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Reno.
How much is car insurance in Reno?
Car insurance in Reno costs $135 per month, on average. Drivers in the state pay $167 per month for full-coverage insurance and $103 per month for liability coverage.
Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Reno?
With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Reno. Other top insurers in Reno include Allstate and COUNTRY Financial.
Which company has the cheapest car insurance in Reno?
With liability-only auto insurance policies available from just $35, COUNTRY Financial is the cheapest insurer in Reno.
You can also find low rates with State Farm and USAA, which have monthly liability-only rates of $50 and $70, respectively.
Does Nevada have expensive car insurance?
Yes. Car insurance in Nevada is some of the most expensive in the country, with an overall average rate of $135 per month — similar to the national average rate of $138.
What are the best tips on finding car insurance in Reno as a college student?
College students can find affordable car insurance through various ways, including comparing quotes, applying for good student discounts, and completing driver education programs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Cubit Planning. "Nevada Cities by Population."
- Insurance Information Institute. "How to find the right auto insurance."
- Nevada Department of Motor Vehicles. "Nevada Insurance Requirements."
- Nevada Division of Insurance. "Credit Scoring FAQs."
- CoreLogic - Neighborhood Scout. "Las Vegas, NV crime analytics."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.