Best Cheap Auto Insurance in Reno, Nevada (2023)

The average cost of car insurance in Reno is $216 per month, well below Nevada’s average rate of $375 per month, according to Insurify data. Reno is home to tourist attractions comparable to larger urban centers.

However, 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 see 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.

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Best 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 different factors like age, gender, location, driving record, and more.

Best insurer for cheap rates: COUNTRY Financial

Best insurer for families: State Farm

Best insurer for accident forgiveness: Allstate

Cheapest liability-only car insurance in Reno

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. These companies provide cheap monthly car insurance rates for liability-only policies in Reno.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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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Insurance Company	Average Monthly Quote
COUNTRY Financial	22
State Farm	32
GEICO	38
USAA	45
Allstate	57
Midvale Home & Auto	74
Farmers	89
Safeco	90
Nationwide	92
Mercury	95
Sun Coast	100
Travelers	106
American Family	109
Progressive	110
Dairyland	119
Liberty Mutual	119
Bristol West	174

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

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. If you prioritize complete protection but want to avoid overpaying, these companies offer the best monthly rates for full-coverage car insurance in Reno.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
COUNTRY Financial	35
State Farm	51
GEICO	61
USAA	71
Allstate	91
Midvale Home & Auto	107
Mercury	116
Safeco	123
Farmers	143
Nationwide	145
Travelers	146
Sun Coast	151
Progressive	154
Liberty Mutual	161
American Family	175
Dairyland	214
Bristol West	269

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:^[2]

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

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

• 

  Comprehensive coverage

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

• 

  Uninsured/underinsured motorist coverage

  This 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

  This 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.

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Cheapest car insurance for drivers with a speeding ticket

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. Fortunately, drivers with a speeding ticket on their record can still score affordable car insurance with these companies in Reno.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
COUNTRY Financial	45	29
State Farm	66	41
GEICO	79	49
USAA	92	58
Allstate	118	74
Midvale Home & Auto	139	96
Mercury	150	123
Safeco	159	117
Farmers	185	115
Nationwide	188	119
Travelers	189	137
Sun Coast	196	130
Progressive	200	143
Liberty Mutual	209	154
American Family	227	141
Dairyland	277	154
Bristol West	349	225

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

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. If you’re in the market for car insurance, these companies in Reno offer the lowest monthly rates for drivers with an at-fault accident.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
COUNTRY Financial	46	29
State Farm	67	42
GEICO	81	50
USAA	94	59
Allstate	120	75
Midvale Home & Auto	141	98
Mercury	153	125
Safeco	162	119
Farmers	189	117
Nationwide	191	121
Travelers	193	140
Sun Coast	199	132
Progressive	203	145
Liberty Mutual	213	157
American Family	231	144
Dairyland	283	157
Bristol West	355	230

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

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 who offer SR-22 insurance often do so at a costly rate. While coverage may be more pricey for drivers with a DUI, you can still find an auto insurance company with the lowest prices, like the ones below.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
COUNTRY Financial	53	33
State Farm	78	49
GEICO	93	58
USAA	108	68
Allstate	138	87
Midvale Home & Auto	163	112
Mercury	176	144
Safeco	187	137
Farmers	217	135
Nationwide	220	140
Travelers	222	161
Sun Coast	230	152
Progressive	234	167
Liberty Mutual	245	181
American Family	266	166
Dairyland	325	181
Bristol West	409	264

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 seniors in Reno

In most cases, insurance rates decrease as you gain more experience on the road; however, senior drivers may begin seeing their insurance bill increase in their mid-70s. The likelihood of an accident increases at age 75 due to age-related conditions, making seniors more risky to insure.

Older drivers can still get the best price on their car insurance policy with these companies in Reno.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
COUNTRY Financial	21	13
State Farm	30	19
GEICO	36	22
USAA	42	27
Allstate	54	34
Midvale Home & Auto	63	44
Mercury	69	56
Safeco	73	53
Farmers	85	53
Nationwide	86	54
Travelers	86	63
Sun Coast	89	59
Progressive	91	65
Liberty Mutual	95	70
American Family	103	64
Dairyland	127	70
Bristol West	159	103

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 in Reno

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.

Young drivers can also shop for cheap insurance companies like the ones below to get the best policy rates in Reno.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
COUNTRY Financial	59	37
State Farm	86	54
GEICO	103	64
USAA	120	76
Allstate	154	97
Midvale Home & Auto	181	125
Mercury	197	161
Safeco	208	153
Farmers	242	151
Nationwide	246	156
Travelers	247	180
Sun Coast	256	170
Progressive	261	186
Liberty Mutual	273	202
American Family	297	185
Dairyland	363	202
Bristol West	456	295

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 to get the cheapest car insurance in Reno

The cheapest car insurance doesn’t always offer the best coverage for your needs. It’s a good idea to consider various factors, such as customer service, financial stability, and coverage options, before deciding. 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:^[3]

• 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

Enter your ZIP codeSee My Quotes

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Based on 3,806+ reviews

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Reno car insurance quotes by credit tier

Nevada permits insurance companies to consider your credit score 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.

Is car insurance more expensive in Reno?

The cost of car insurance in Reno is $216, which is more expensive than the national average of $139 but much cheaper than Nevada’s average of $362 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.

Reno car insurance FAQs