Cheapest Auto Insurance in Reno, Nevada (2024)

COUNTRY Financial offers the cheapest car insurance in Reno, with minimum-coverage policies as low as $23 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
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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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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 October 30, 2024

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Cheapest recent rates near Reno, Nevada

Drivers in and around Reno, Nevada have found policies from Nationwide, Mercury, State Farm, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Reno, Nevada within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Reno is $177 per month, well below Nevada’s average rate of $260 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 $127 for liability-only auto insurance and $227 for full-coverage auto insurance.

  • Full-coverage insurance in Reno costs an average of $2,729 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 Financial8.8$55$34Cheap rates
State Farm9.3$81$50Families
Allstate8.9$144$90Accident 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 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.1
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.
8.8/10
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.
$23/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 more driver reviews of Country Financial
Chloe - October 19, 2024
Verified

Unaffordable Rates That Increase Monthly

Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.

James - October 8, 2024
Verified

Insurance Cost

The rates are increasing very quickly.

Dayna - September 17, 2024
Verified

Goodbye, Country Financial

I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$34/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 more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

Best insurer for accident forgiveness: Allstate

Compare personalized, real-time quotes
User Reviews
3.1
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.
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.
$61/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.
$100/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 more driver reviews of Allstate
Howard - October 29, 2024
Verified

They Have You By The Short Hairs

I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.

Hugh - October 29, 2024
Verified

Actual Crash Damages vs. Damages Quoted Over the Phone

There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.

Miriam - October 29, 2024
Verified

Best Overall

Check around before choosing. Allstate has been my choice for years.
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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, or increasing your collision and comprehensive deductibles.

Find Car Insurance in Reno, Nevada

Liability rates start at $23 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. 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 $127 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$23
State Farm$34
GEICO$41
USAA$47
Allstate$61
Midvale Home & Auto$89
Farmers$95
Nationwide$98
Safeco$99
Mercury$101
Liberty Mutual$112
Sun Coast$113
Travelers$113
American Family$116
Progressive$121
Dairyland$125
Bristol West$188
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.

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 $227 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$38
State Farm$56
GEICO$67
USAA$78
Allstate$100
Mercury$107
Safeco$134
Midvale Home & Auto$140
Farmers$156
Progressive$159
Nationwide$161
Liberty Mutual$168
Sun Coast$180
Travelers$187
American Family$191
Dairyland$232
Bristol West$306
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]

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:

  • 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.

Cheapest recent rates near Reno, Nevada

Drivers in and around Reno, Nevada have found policies from Mercury, Sun Coast, Farmers, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Reno, Nevada within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 2024. 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 $172 for liability-only auto insurance and $308 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$23$30
State Farm$34$43
GEICO$41$52
USAA$47$60
Allstate$61$77
Farmers$95$120
Nationwide$98$126
Safeco$99$127
Mercury$101$138
Liberty Mutual$112$154
Sun Coast$113$153
Travelers$113$145
American Family$116$147
Progressive$121$153
Dairyland$125$159
Bristol West$188$239
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 $181 for liability-only auto insurance and $323 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$23$32
State Farm$34$45
GEICO$41$55
USAA$47$63
Allstate$61$82
Farmers$95$127
Nationwide$98$133
Safeco$99$130
Mercury$101$145
Liberty Mutual$112$161
Sun Coast$113$161
Travelers$113$153
American Family$116$155
Progressive$121$164
Dairyland$125$167
Bristol West$188$250
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 $206 for liability-only car auto insurance and $369 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$23$38
State Farm$34$56
GEICO$41$67
USAA$47$77
Allstate$61$100
Farmers$95$156
Nationwide$98$160
Safeco$99$162
Mercury$101$151
Liberty Mutual$112$183
Sun Coast$113$184
Travelers$113$185
American Family$116$190
Progressive$121$198
Dairyland$125$205
Bristol West$188$308
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 an increased risk of getting into accidents and being seriously injured in an accident.

Drivers older than 60 pay a monthly average of $92 for liability-only insurance and $165 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$17$29
State Farm$25$41
GEICO$31$50
USAA$35$59
Allstate$46$75
Nationwide$69$113
Farmers$70$114
Mercury$73$78
Safeco$78$106
Progressive$81$106
Sun Coast$82$131
Travelers$83$138
American Family$85$140
Liberty Mutual$88$132
Dairyland$94$174
Bristol West$141$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 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 $221 for liability-only insurance and $394 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$33$55
State Farm$58$95
GEICO$65$106
USAA$78$130
Allstate$108$176
Farmers$166$273
Nationwide$169$278
Mercury$181$192
Sun Coast$196$313
Safeco$197$267
Liberty Mutual$198$297
American Family$201$331
Travelers$203$337
Dairyland$205$380
Progressive$215$283
Bristol West$317$516
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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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 $177, which is similar to the national average of $158 but much cheaper than Nevada’s average of $260 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$318$198
Las Vegas$379$241
North Las Vegas$374$231
Pahrump$263$150
Sparks$249$128
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 $177 per month, on average. Drivers in the state pay $227 per month for full-coverage insurance and $127 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 $23, 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 $34 and $41, 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 $177 per month — similar to the national average rate of $158.

  • 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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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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Konstantin HalachevVP of Engineering & Data Science
  • 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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