Cheapest Auto Insurance in Reno, Nevada (2024)

COUNTRY Financial offers the cheapest car insurance in Reno, with minimum-coverage policies as low as $24 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Updated May 23, 2024

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Cheapest recent rates near Reno, Nevada

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $60/mo for full coverage in Reno and other Nevada cities.

*Quotes generated for Insurify users in and around Reno, Nevada within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Reno is $171 per month, well below Nevada’s average rate of $265 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 GEICO have the cheapest car insurance in Reno.

  • Reno drivers pay a monthly average of $117 for liability-only auto insurance and $224 for full-coverage auto insurance.

  • Full-coverage insurance in Reno costs an average of $2,687 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
COUNTRY Financial4.5$60$37Cheap rates
State Farm4.6$88$54Families
Allstate4.4$158$97Accident forgiveness
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$24/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.
$38/mo

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

Read our Country Financial review
Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

Margaret - March 26, 2024
Verified

Fair

Every year, they raise my car or home insurance. I'm looking for a better deal.

Megan - May 27, 2023
Verified

Excellent

Philip is personable and overall makes dealing with insurance and claims easier.

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$56/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for accident forgiveness: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$62/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.
$101/mo

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)

Read our Allstate review
Roberta - May 22, 2024
Verified

Good

Allstate is good, however, I was looking for cheaper insurance.

Mikayla - May 22, 2024
Verified

Allstate's Higher Renewal Prices

They are an insurance company like the rest of them. Just like other insurance providers, they offer lower rates to attract your business. However, as always, when it's time for renewal, the prices just get higher, regardless of your driving record.

Wilford - May 21, 2024
Verified

Disappointed

It's expensive, but the same as all others.
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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.

Find Car Insurance in Reno, Nevada

Liability rates start at $24 per month

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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.

Drivers in Reno pay an average of $117 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
COUNTRY Financial24
State Farm35
GEICO42
USAA49
Allstate62
Midvale Home & Auto85
Farmers97
Safeco98
Mercury100
Nationwide100
Sun Coast111
Liberty Mutual112
Travelers116
American Family118
Progressive120
Dairyland124
Bristol West195
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

This all-inclusive policy may be worth the extra buck for drivers who spend considerable time behind the wheel, people who drive in high-risk areas, or people with expensive cars.

Drivers in Reno pay an average of $224 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
COUNTRY Financial38
State Farm56
GEICO67
USAA79
Allstate101
Mercury116
Midvale Home & Auto129
Safeco133
Farmers158
Progressive159
Nationwide163
Liberty Mutual166
Sun Coast177
Travelers189
American Family193
Dairyland229
Bristol West314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers vehicle repairs and replacement if you’re involved in a car crash, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers losses and damages from non-collision-related incidents, like theft, vandalism, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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.

Find Cheap Car Insurance in Reno

Monthly rates start at $29 for drivers with an incident

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Based on 3,806+ reviews
4.8/5
Shopper Approved
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Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial

Getting a speeding ticket tells 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 $153 for liability-only auto insurance and $293 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Speeding Ticket
COUNTRY Financial2430
State Farm3543
GEICO4252
USAA4960
Allstate6276
Midvale Home & Auto85109
Farmers97119
Safeco98123
Mercury100133
Nationwide100125
Sun Coast111145
Liberty Mutual112153
Travelers116144
American Family118145
Progressive120148
Dairyland124154
Bristol West195239
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $160 for liability-only auto insurance and $307 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Accident
COUNTRY Financial2432
State Farm3545
GEICO4255
USAA4964
Allstate6281
Midvale Home & Auto85117
Farmers97126
Safeco98123
Mercury100139
Nationwide100131
Sun Coast111152
Liberty Mutual112160
Travelers116152
American Family118153
Progressive120159
Dairyland124161
Bristol West195250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $184 for liability-only car auto insurance and $352 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith DUI
COUNTRY Financial2439
State Farm3557
GEICO4268
USAA4980
Allstate62101
Midvale Home & Auto85138
Farmers97158
Safeco98159
Mercury100146
Nationwide100162
Sun Coast111174
Liberty Mutual112182
Travelers116188
American Family118192
Progressive120195
Dairyland124201
Bristol West195317
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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?

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 age-related conditions, making seniors more risky to insure.

Drivers older than 60 pay a monthly average of $85 for liability-only insurance and $163 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
COUNTRY Financial1828
State Farm2541
GEICO3150
USAA3659
Allstate4776
Midvale Home & Auto6092
Mercury7082
Nationwide70114
Farmers71115
Safeco74100
Progressive80106
Sun Coast81129
Liberty Mutual83123
Travelers85139
American Family86141
Dairyland93172
Bristol West146236
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $197 for liability-only insurance and $378 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
COUNTRY Financial3454
State Farm5792
GEICO64101
USAA78127
Allstate105171
Midvale Home & Auto143217
Farmers165269
Nationwide165269
Mercury176204
Sun Coast187298
Safeco199270
American Family200327
Dairyland201371
Liberty Mutual202299
Travelers202329
Progressive210278
Bristol West321517
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Reno, Nevada

Check quotes from 100+ top insurance companies

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Based on 3,806+ reviews
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Shopper Approved
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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 $171, which is similar to the national average of $160 but much cheaper than Nevada’s average of $265 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.

CityFull CoverageLiability Only
Henderson$310$187
Las Vegas$376$234
North Las Vegas$374$227
Pahrump$253$143
Sparks$242$117
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.

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 $171 per month, on average. Drivers in the state pay $224 per month for full-coverage insurance and $117 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 4.6 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 $24, COUNTRY Financial is the cheapest insurer in Reno.

    You can also find low rates with State Farm and GEICO, which have monthly liability-only rates of $35 and $42, 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 $171 per month — similar to the national average rate of $160.

  • 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Cubit Planning. "Nevada Cities by Population."
  2. Insurance Information Institute. "How to find the right auto insurance."
  3. Nevada Department of Motor Vehicles. "Nevada Insurance Requirements."
  4. Nevada Division of Insurance. "Credit Scoring FAQs."
  5. CoreLogic - Neighborhood Scout. "Las Vegas, NV crime analytics."
Alani Asis
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.

Danny Smith
Edited byDanny Smith
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Danny 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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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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