Compare Reno, NV Car Insurance Rates (2021)

Car insurance in Reno, NV averages $351 a month. Reno, Nevada car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Reno car insurance rates, compare quotes from the top car insurance companies in Reno, NV.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Reno is USAA
  • The cheapest ZIP code in Reno is 89510
  • The cheapest car insurance company in Reno for teen drivers is USAA

If you need to buy Reno, Nevada car insurance, the options can be confusing. Everything you need to know about car insurance in Reno, NV is right here.

You’ll find Reno car insurance rates, the cheapest Reno, NV car insurance companies, and information on Nevada car insurance laws. You can also compare Reno, Nevada car insurance rates to Reno car insurance rates, Mesquite car insurance rates, and Sparks car insurance rates.

Ready to find affordable Reno, NV car insurance today? Enter your ZIP code for fast, free Reno car insurance quotes.

Cheapest Reno, NV Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Reno, NV car insurance rates? Every Reno, Nevada car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Reno, Nevada

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,587 $2,581 $2,379 $2,514 $8,445 $10,167 $2,792 $2,987
American Family $2,624 $2,624 $2,332 $2,332 $8,952 $11,734 $2,624 $3,055
Farmers $3,028 $3,107 $2,751 $3,100 $10,145 $10,802 $4,049 $4,108
GEICO $2,679 $2,587 $2,696 $2,723 $6,738 $6,172 $2,672 $2,289
Liberty Mutual $2,578 $2,781 $2,511 $2,821 $11,673 $12,994 $2,922 $3,071
Nationwide $2,090 $2,137 $1,904 $2,017 $5,160 $6,226 $2,489 $2,654
Progressive $1,946 $1,685 $1,706 $1,698 $8,451 $9,179 $2,274 $2,114
State Farm $3,054 $3,054 $2,765 $2,765 $9,558 $12,205 $3,425 $3,847
Travelers $1,917 $1,943 $1,837 $1,832 $10,151 $16,388 $2,129 $2,356
USAA $1,844 $1,812 $1,763 $1,755 $4,715 $5,313 $2,312 $2,461

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Minimum Car Insurance in Reno, NV

Every driver must carry the minimum car insurance in Reno, NV. Take a look at the Nevada car insurance requirements.

Minimum Required Car Insurance Coverage in Reno, Nevada

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Reno, NV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Reno, NV. Compare credit history car insurance rates in Reno from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Reno, Nevada

Insurance Company Poor Fair Good
Allstate $5,498 $4,002 $3,419
American Family $5,623 $4,286 $3,694
Farmers $6,008 $4,842 $4,558
GEICO $4,304 $3,570 $2,835
Liberty Mutual $7,417 $4,537 $3,552
Nationwide $3,638 $3,007 $2,609
Progressive $3,982 $3,571 $3,342
State Farm $9,303 $3,643 $2,307
Travelers $5,271 $4,725 $4,461
USAA $3,949 $2,363 $1,929

Cheapest Reno, NV Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Reno, NV to rates for a clean record with top companies.

Annual Reno, Nevada Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,653 $4,273 $5,171 $4,129
American Family $3,643 $5,053 $5,440 $4,002
Farmers $4,284 $5,463 $5,647 $5,150
GEICO $2,465 $3,954 $4,827 $3,032
Liberty Mutual $3,776 $6,038 $6,072 $4,789
Nationwide $2,475 $3,183 $3,975 $2,706
Progressive $3,033 $4,156 $3,814 $3,523
State Farm $4,614 $5,554 $5,084 $5,084
Travelers $3,447 $5,144 $6,536 $4,150
USAA $2,109 $2,653 $3,842 $2,383

Cheapest Reno, NV Car Insurance for Teen Drivers

Teen car insurance in Reno, NV can be expensive. Take a look at rates from the top car insurance companies in Reno for teenagers.

Annual Car Insurance Rates for Teen Drivers in Reno, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,445 $10,167
American Family $8,952 $11,734
Farmers $10,145 $10,802
GEICO $6,738 $6,172
Liberty Mutual $11,673 $12,994
Nationwide $5,160 $6,226
Progressive $8,451 $9,179
State Farm $9,558 $12,205
Travelers $10,151 $16,388
USAA $4,715 $5,313

Cheapest Reno, NV Car Insurance for Seniors

Take a look at Reno, NV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Reno, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,379 $2,514
American Family $2,332 $2,332
Farmers $2,751 $3,100
GEICO $2,696 $2,723
Liberty Mutual $2,511 $2,821
Nationwide $1,904 $2,017
Progressive $1,706 $1,698
State Farm $2,765 $2,765
Travelers $1,837 $1,832
USAA $1,763 $1,755

Cheapest Reno, NV Car Insurance Rates After a DUI

A DUI in Reno, NV increases car insurance rates. Compare Reno, Nevada DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Reno, Nevada

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,171
American Family $5,440
Farmers $5,647
GEICO $4,827
Liberty Mutual $6,072
Nationwide $3,975
Progressive $3,814
State Farm $5,084
Travelers $6,536
USAA $3,842

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Cheapest Reno, NV Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Reno, NV by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Reno, Nevada

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,306 $4,306
American Family $4,474 $4,595
Farmers $5,136 $5,136
GEICO $3,511 $3,628
Liberty Mutual $5,169 $5,169
Nationwide $3,085 $3,085
Progressive $3,632 $3,632
State Farm $4,934 $5,234
Travelers $4,819 $4,819
USAA $2,710 $2,784

Cheapest Reno, NV Car Insurance Rates by ZIP Code

Reno car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Reno, NV.

Annual Car Insurance Rates by ZIP Code in Reno, Nevada

ZIP Code Average Annual Rates
89501 $4,309
89502 $4,360
89503 $4,271
89506 $4,199
89508 $4,094
89509 $4,318
89510 $3,932
89511 $4,084
89512 $4,226
89519 $4,293
89521 $4,206
89523 $4,159
89557 $4,084

The Best Cheap Car Insurance Companies in Reno, NV

Take a look at a side-by-side comparison of the top car insurance companies in Reno, NV to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Reno, Nevada

Insurance Company Average Annual Rates
Allstate $4,306
American Family $4,535
Farmers $5,136
GEICO $3,570
Liberty Mutual $5,169
Nationwide $3,085
Progressive $3,632
State Farm $5,084
Travelers $4,819
USAA $2,747

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Category Winners: Cheapest Car Insurance in Reno, Nevada

Find the cheapest car insurance companies in Reno, NV for each category right here.

Best Annual Car Insurance Rates by Company in Reno, Nevada

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Reno, NV Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Reno car insurance rates. Find the cheapest Reno, NV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Reno, Nevada

Insurance Company Low Medium High
Allstate $3,958 $4,349 $4,613
American Family $4,355 $4,801 $4,448
Farmers $4,656 $5,079 $5,673
GEICO $3,237 $3,499 $3,973
Liberty Mutual $4,778 $5,116 $5,612
Nationwide $3,050 $3,081 $3,122
Progressive $3,208 $3,513 $4,174
State Farm $4,666 $5,069 $5,518
Travelers $4,378 $4,839 $5,240
USAA $2,462 $2,722 $3,056

What affects car insurance rates in Reno, Nevada?

What factors can have an impact on Reno, NV car insurance? There are several reasons why Reno car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Reno, Nevada.

Car Theft in Reno

High levels of vehicle theft can make car insurance more expensive. Reno, NV car theft statistics from the FBI indicate 1,050 vehicle thefts a year.

Commute Time in Reno

The more time you spend in your car the higher the risk of an accident. The average commute length in Reno, NV is 20.3 minutes according to City-Data.

Traffic in Reno

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Reno, NV traffic data from INRIX ranks Reno as the 782nd-most congested in the world.

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Compare Car Insurance Quotes in Reno, NV

Ready to find affordable Reno, Nevada car insurance today? Enter your ZIP code for fast, free Reno, NV car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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