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Cheap Auto Insurance Quotes in Reno, NV (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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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. 

Quick Facts

  • The average cost of car insurance in Reno is $177 per month, or $2124 annually.
  • Car insurance in Reno is $35 less than the average cost of car insurance in Nevada.
  • The cheapest car insurance provider in Reno on average is Sun Coast, but you should always compare quotes to find your best personal rate.

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 Companies

State Farm
The General

Cheapest Car Insurance in Reno, NV

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in RenoQuotes
State Farm$80 /mo
Progressive$119 /mo
Nationwide$128 /mo
The General$146 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Reno. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$173 /mo
Safeco86$183 /mo
Liberty Mutual82$186 /mo
Mercury81$234 /mo
Travelers80$152 /mo

Average Car Insurance Cost

Nevada Cities
Las Vegas$194/mo
North Las Vegas$221/mo
Average for NV
Las Vegas
North Las Vegas
Click here to learn about car insurance quotes and save on your current policy.

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.

Driver's AgeAvg. Monthly Cost

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.

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

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.

Credit TierAvg. Monthly Cost

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
View 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. 

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.

FAQs - Reno, NV Car Insurance

  • 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.
  • 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.
  • 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.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Reno Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Reno, Nevada below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Reno drivers measure up to their fellow motorists across Nevada in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Toyota Camry

Most Popular Car in Reno


City with the Most Speeding Tickets Rank in Nevada


City with the Most Moving Violations Rank in Nevada


City with the Most DUIs Rank in Nevada


City with the Most Suspended Licenses in Nevada

  • 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 pay on average 37.97% more than drivers with a clean record
  • 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 pay 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: 2.7%
    • Drivers in Reno, NV with a DUI in their driving history pay on average 29.75% more than drivers with a clean record
  • 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.

  • 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 pay on average 13.92% more than drivers with a clean record.
  • 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%
  • 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 pay on average 0% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn

Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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