Cheap Auto Insurance Quotes in Reno, NV (2021)

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The Biggest Little City in the World

Reno lies on the western corner of the Silver State and is home to nearly 250,000 residents. Just twenty miles from Lake Tahoe (and zero miles from the nearest casino!), Reno has something for everyone. 

Car travel is the main mode of transportation for over 90 percent of Reno residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Reno. Search and save on the best car insurance policies in Reno today. 

Car Insurance in Reno, NV

The average cost of Nevada car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Reno, NV to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
State FarmProgressiveNationwideThe General
Monthly $

Cheapest Car Insurance in Reno, NV

Here are the cheapest carriers in Reno for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Reno, NV

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Reno. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
NevadaLas VegasHendersonNorth Las VegasSparksReno
Monthly $

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Reno, NV Driving Facts


Minimum Car Insurance Requirements in NV

All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.

  • $20,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Reno Car Insurance Rates by Driver Age

Drivers of every age fill the streets of Reno. But as the table below suggests, clearly younger Reno drivers cost more to insure. This is because, statistically speaking, they signal a higher accident risk. While drivers in their 30s, 40s, and 50s enjoy the cheapest average rates in Reno ($162, $164, and $149, respectively), teen drivers and those in their 20s can pay up to 88 percent more. Insurance rates for Reno drivers in their 60s also reflect higher risk indicators than the age groups around them, with rates topping out at $414.

Driving History
No Violation$187
Speeding Ticket$213
At-Fault Accident$246
Failure to Stop for Red Light / Stop Sign$144

Reno Car Insurance Rates by Driving and Accident History

There’s no reason to run a red light in Reno, especially if you care about the damage it can do to your driving record. What’s the benefit of keeping your driving record pristine? Responsible drivers with no offenses on their record pay on average just $186 per month for insurance. Compare this with drivers whose records are marred by mistakes. Rates for drivers with a speeding violation jump to $212 on average, while having an at-fault accident will cost you even more, at $245 a month in car insurance.

Reno Car Insurance Rates by Credit Tier

Not everyone knows that credit score is one piece of data that insurance algorithms use for determining your rates. This is because credit score is a good indication of a person’s risk. If you aren’t actively managing your score, you should start. First, you want to correct any mistakes that may be affecting your rates. Secondly, you want to do everything in your power to raise your score. One good practice is paying your bills on time—including your car insurance premiums. Drivers with an excellent credit score in Reno can expect to pay an average of $219 for car insurance monthly, while those with just an average credit score will pay an average of 40 percent more.

Reno DMV Information 

There is one major DMV outpost in the city of Reno, located on Galletti Way. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 8:30 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal or by visiting a Reno DMV Kiosk. 

Public Transit in Reno

RTC Reno is the public bus system that operates throughout the Greater Reno and Sparks area. With reliable schedules and affordable rates, RTC helps residents and visitors navigate around Reno. Ridesharing services like Uber and Lyft, plus traditional taxis, also operate across Reno. 

Conclusion: How to get the best and cheapest car insurance in Reno

As American drivers know too well, enough precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 10.6 percent of vehicles driving uninsured throughout Nevada, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

Find local Reno agents

Alpine Insurance Associates 
6160 Plumas, Suite 100, Reno, NV 89519
Comstock Insurance Agencies, Inc. 
9424 Double R Blvd, Reno, NV 89521
Amity Insurance Services Inc 
3100 Mill Street #102, Reno, NV 89502
Suburbia Corp. dba:Patrick W Condon & Associates 
619 S Arlington Ave., Reno, NV 89509
Lacerda Group 
770 Trademark Dr # 202, Reno, NV 89521-5926
Snoaspen Insurance Group, Inc. 
10775 Double R. Blvd, Reno, NV 89521
Breen Insurance Inc. 
7155 Park Valley Ct, Reno, NV 89523
Ardent Insurance Inc 
6119 Ridgeview Ct. #500, Reno, NV 89519
USI Insurance Services 
5355 Kietzke Lane Ste 1, Reno, NV 89511
Wilkins & Associates Insurance Services, Inc. 
140 W. Huffaker Lane, Ste 508, Reno, NV 89511-4012

Insurify Insights: How Reno Drivers Measure Up

Toyota Camry
Most Popular Car in
Reno, NV
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Reno drivers measure up to their fellow Nevada motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Reno

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Reno drivers rank 4 in the number of car accidents per driver across all cities in Nevada.

  • Rank within state: #4
  • Percent of drivers in Reno with an accident: 8.22%
  • Drivers in Reno, NV with an accident in their driving history paid on average 37.97% more than drivers with a clean record

Speeding Reno

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nevada, Reno drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Reno with a speeding ticket: 8.74%
  • Drivers in Reno, NV with a speeding ticket in their driving history paid on average 37.97% more than drivers with a clean record


While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Reno drivers rank 1 in the number of DUI’s per driver across all cities in Nevada.

  • Rank within state: #1
  • Percent of drivers in Reno with a DUI: 2.93%
  • Drivers in Reno, NV with a DUI in their driving history paid on average 29.75% more than drivers with a clean record

Most Popular Vehicle Reno

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Reno is the Toyota Camry.

Rude Reno

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Nevada, Reno drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Reno with a reckless driving violation: 1.78%
  • Drivers in Reno, NV with a reckless driving violation in their driving history paid on average 13.92% more than drivers with a clean record.

Safest Drivers Reno

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Reno drivers rank 4 in clean driving records across all cities in Nevada.

  • Rank within state: #4
  • Percent of drivers in Reno with clean record: 82.04%

Failure to Yield the Right of Way Reno

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Reno drivers rank 2 in failure to yield violations per driver across all cities in Nevada.

  • Rank within state: #2
  • Percent of drivers in Reno with a failure to yield violation: 0.52%
  • Drivers in Reno, NV with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Reno

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Nevada, Reno drivers rank 1 in the number of reckless driving offenses per driver.

  • Rank within state: #1
  • Percent of drivers in Reno with a reckless driving offense: 0.26%

Hybrid/Electric Vehicle Ownership Reno

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Reno drivers rank 5 in hybrid and electric vehicle ownership across all cities in Nevada.

  • Rank within state: #5
  • Percent of drivers in Reno with a hybrid/electric vehicle: 0.97%

FAQs - Reno, NV Car Insurance

What is the penalty for driving uninsured in Nevada?

Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in Nevada, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance.

What is the punishment for DUI in Nevada?

If you're convicted of a DUI in Nevada, the fallout can be drastic. The DUI lookback period in Nevada is seven years. For first-time offenders, a DUI can lead to two days to six months in jail, community service, hundreds in fines, license suspension, driving school refresher, mandatory substance abuse programming, and installation of an ignition interlocking device.

Which company offers the cheapest auto insurance quotes in Reno?

The best way to get the cheapest car insurance in Reno and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.