Cheap Car Insurance in Reno (Jan 2025)

, and

full-coverage auto insurance

dominate the insurance market in Reno—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.

Take a look at how Reno drivers ranked major insurance companies below.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Allstate	4.7	3.7	N/A	4.3
Progressive	4.3	3.9	3.6	4.2
Geico	4	3.7	N/A	4
AAA	4	3.7	N/A	4.7
State Farm	3.2	2.7	N/A	3.7

Best cheap car insurance quotes in Reno

All drivers in Reno must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase

for better protection.

Cheap minimum liability insurance quotes in Reno

Nevada’s minimum car insurance requirements

follow a 25/50/20 pattern. Here’s a breakdown of what every Reno driver must have:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$20,000

property damage liability

per accident

Lucille (38 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89503)

Lexus IS 250

$117

per month

Safeco

Allen (64 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89523)

Nissan Frontier S

$88

per month

Jimmy (27 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89509)

BMW X3 2.5I

$94

per month

Nevada's car insurance laws

Louise (44 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89509)

Chevrolet Silverado K1500 LT

$123

per month

Clearcover

Harriett (33 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89508)

Ford Fusion SE Hybrid

$108

per month

Do you need more than minimum coverage in Reno?

In Reno, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.

If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.

Remember,

allow Reno drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.

Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Reno.

The bottom line: Drivers in Reno should consider purchasing liability coverage that exceeds the state minimums—such as 50/100/50 or even 100/300/100—or purchasing a full-coverage policy.

Cheap full coverage car insurance quotes in Reno

Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Reno!

If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus

comprehensive

and

collision coverage

Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects

Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object

And if you’re financing or

leasing a car

, your lender will require this.

Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.

While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Reno for the coverage you want.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$145	Eunice, 38 Zip: 89503	Lexus IS 250
• 50,000/100,000 Liability • Comp / Collision	Allstate	$215	Leon, 29 Zip: 89523	Lexus NX 200T
• State Minimum Liability • Comp / Collision	Safeco	$88	Allen, 64 Zip: 89523	Nissan Frontier S
• 50,000/100,000 Liability • Comp / Collision	Travelers	$229	Chris, 45 Zip: 89506	KIA Optima EX
• State Minimum Liability • Comp / Collision	Mercury	$124	Cecelia, 33 Zip: 89509	Subaru Impreza

Last Updated Jan 28, 2025

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Reno

After analyzing scores of insurance providers in Reno, we have discovered that the average price for minimum liability coverage amounts to be $105 per month or $1,262 per year. Additionally, residents of Reno can expect to pay an average of $218 per month or $2,615 per year for full coverage insurance.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$88	$1,061
Full coverage	$189	$2,263

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Reno by zip code

The cost of car insurance in Reno can greatly differ depending on your specific zip code. Each individual zip code within Reno has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
89501	$84	$165
89502	$77	$194
89503	$84	$183
89506	$92	$183
89509	$65	$140
89511	$112	$172
89512	$86	$245
89521	$71	$176
89523	$78	$159

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Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Car insurance quotes in Reno by rating factors

Insurance companies in Reno use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Reno?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Reno:

Cheap car insurance quotes in Reno after driving violations

Driver violation points have a significant impact on car insurance rates

—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure

high-risk drivers

in Reno. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big violations like a DUI or

reckless driving

Here’s how to find cheap car insurance in Reno with driving violations on your record.

Cheapest car insurance in Reno after speeding ticket

If you’re a Reno driver who has received a

speeding ticket

, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.

Here’s what we mean:

The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.

5 mph over the speed limit: $100 fine + 1 point added

10 mph over the speed limit: $200 fine + 2 points added

15 mph over the speed limit: $300 fine + 2 points added

20 mph over the speed limit: $400 fine + 3 points added

21+ mph over the speed limit: $420+ fine + 4 points added

That said, the amount of your fine will depend on several factors, including:

Any previous speeding tickets

Where you were speeding (work or school zone)

How fast you were going

Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.

The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.

Regardless of the violation, Jerry helps Reno drivers find affordable rates with great insurance companies.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Nationwide	$122	Adelaide, 38 Zip: 89509	Toyota RAV4 Sport	• 100,000/300,000 Liability • Comp / Collision
Speeding 16-20	Progressive	$113	Calvin, 59 Zip: 89502	Ford Explorer XLT	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Reno after DUI

In Reno, you’re subject to

Nevada DUI laws

, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.

If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.

Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.

On average, drivers with a DUI pay 56% more for car insurance than drivers without one.

Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Reno drivers with major convictions land affordable insurance.

Travelers

Floyd (31 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89523)

Tesla Model X

$64

per month

keep a clean driving record

Don (42 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89508)

Nissan NV200

$57

per month

Cheapest car insurance in Reno after an at-fault accident

A clean driving record is one of the best things a Reno driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim.

If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.

But it’s not all bad news—work to eliminate the accidents on your record (and

in the meantime) while Jerry helps you find an affordable policy.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$79	Gavin, 33 Zip: 89506	Ford Mustang	• State Minimum Liability
At Fault With No Injury	Safeco	$245	Ida, 28 Zip: 89503	Subaru Outback Limited XT	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Allstate	$215	Mitchell, 29 Zip: 89523	Lexus NX 200T	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Travelers	$229	Hulda, 45 Zip: 89506	KIA Optima EX	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Reno after other driving violations

As a Reno driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.

If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates in Reno.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Yield	Progressive	$133	Linnie, 51 Zip: 89523	Nissan Rogue SV	• State Minimum Liability • Comp / Collision
Cell Phone	Safeco	$157	Herbert, 44 Zip: 89506	Nissan Sentra S	• State Minimum Liability • Comp / Collision
Careless Driving	Mercury	$89	Millie, 60 Zip: 89509	Chevrolet Impala LT	• State Minimum Liability
Failure to Obey Signal	Bristol West	$120	Danny, 50 Zip: 89503	Buick Lesabre Limited	• State Minimum Liability • Comp / Collision
Improper Passing	Progressive	$186	Lida, 24 Zip: 89523	Dodge Dart SXT	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheap car insurance quotes in Reno by age

In Reno, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

For teens and seniors in Reno, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Reno for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Reno. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.

If you’re a new driver in Reno without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash.

best car insurance for seniors

Ivan (20 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89502)

Acura Integra LS

$174

per month

Bristol West

Sallie (24 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89503)

Toyota Corolla LE

$563

per month

Mercury

Jacob (21 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89512)

KIA Stinger GT2

$532

per month

National General

Andre (21 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Reno, NV
(Zip Code: 89502)

Toyota Camry L

$136

per month

Cheapest car insurance in Reno for senior drivers

On the other end of the spectrum, we have Reno drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.

GEICO

seems to lead the race for the

in Reno, but using a comparison app to check out other quotes is still a good idea.

Aiden (72 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89512)

Subaru Legacy Outback LL BE

$75

per month

Safeco

Phoebe (75 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89502)

Lexus RX 300

$97

per month

Bristol West

Tillie (67 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89523)

Toyota Yaris

$125

per month

Dairyland

Nancy (66 years old)

Coverage

State Minimum

Reno, NV
(Zip Code: 89512)

KIA Optima SX

$78

per month

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Cheap car insurance quotes in Reno based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Bryan (59 years old)

Currently Insured

Coverage

State Minimum

Reno, NV
(Zip Code: 89502)

KIA Soul

$99

per month

Travelers

Emma (45 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Reno, NV
(Zip Code: 89506)

KIA Optima EX

$229

per month

Safeco

Alejandro (64 years old)

Currently Insured

Coverage

State Minimum

Reno, NV
(Zip Code: 89523)

Nissan Frontier S

$88

per month

How to get car insurance before buying a car

Lucile (44 years old)

Currently Insured

Coverage

State Minimum

Reno, NV
(Zip Code: 89509)

Chevrolet Silverado K1500 LT

$123

per month

Bristol West

Sallie (24 years old)

Currently Insured

Coverage

State Minimum

Reno, NV
(Zip Code: 89503)

Toyota Corolla LE

$563

per month

Cheap car insurance quotes in Reno for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$179	Ronnie, 31 Zip: 89512	Honda Civic Sport	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$88	Kevin, 64 Zip: 89523	Nissan Frontier S	• State Minimum Liability • Comp / Collision
660 - 750	Mercury	$210	Cora, 34 Zip: 89523	Dodge Charger Scat Pack	• 50,000/100,000 Liability • Comp / Collision
550 - 659	Bristol West	$139	Marcus, 37 Zip: 89503	Lexus IS 250	• State Minimum Liability • Comp / Collision
< 550	Progressive	$68	Sarah, 44 Zip: 89523	Toyota Camry	• State Minimum Liability • Comp / Collision

Last Updated Jan 28, 2025

Cheap car insurance quotes in Reno for popular cars

The make and model of your car matter a lot to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe a Reno driver’s car is, the lower the insurance cost will be.

But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.

In Reno, these are some of the most popular and affordable models to insure:

Honda Accord

Ford F-150

Toyota RAV4

MORE:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
KIA Soul	Progressive	$99	Bryan, 59 Zip: 89502	• State Minimum Liability • Comp / Collision

Last Updated Jan 26, 2025

Cheapest car insurance in Reno for new vs. old car

The value of a car usually decreases with age, but insurance doesn’t always follow suit.

Insurance rates in Reno are determined by how much an insurer would have to pay if the car was damaged or stolen, so they’ll look at things like software and added features.

Safety is also a consideration. Newer cars have more safety features that reduce the risk of a car crash—but the fancy parts on a new car can be more expensive to replace in the event of a total loss.

Lucille (38 years old)

2008 Lexus IS 250

Coverage

State Minimum

Reno, NV
(Zip Code: 89503)

$117

per month

Jimmy (27 years old)

2004 BMW X3 2.5I

Coverage

State Minimum

Reno, NV
(Zip Code: 89509)

$94

per month

Compare car insurance quotes now

Louise (44 years old)

2015 Chevrolet Silverado K1500 LT

Coverage

State Minimum

Reno, NV
(Zip Code: 89509)

$123

per month

Travelers

Chris (45 years old)

2011 KIA Optima EX

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Reno, NV
(Zip Code: 89506)

$229

per month

Mercury

Ralph (33 years old)

1999 Mercury Sable GS

Coverage

State Minimum

Reno, NV
(Zip Code: 89502)

$94

per month

National General

Ian (33 years old)

2017 Ford Fusion SE Hybrid

Coverage

15,000 per person

30,000 per accident bodily injury

Reno, NV
(Zip Code: 89508)

$63

per month

How to lower car insurance costs in Reno

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Reno?

People living in Reno pay on average $105 per month – or $1,262 per year – on state-minimum liability coverage. Full coverage in Reno costs on average $218 per month of $2,615 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Reno?

Based on thousands of Reno drivers Jerry has worked with, car insurance in Reno costs an average of $105 per month for state-minimum coverage and $218 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Reno?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.