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Cheapest and Best Car Insurance Companies in Reno, NV


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Updated: Sep 26, 2023
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The cost of your car insurance may change depending on a variety of factors, such as your driving history, age and coverage requirements.

State Farm is Reno’s cheapest car insurance provider if you’re seeking minimum and full coverage policies or have a driving violation. Nationwide offers teenage drivers the lowest rates. Meanwhile, USAA is the most affordable insurance company for military-affiliated drivers, and Capital Insurance Group has the best customer service.

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2023

Cheapest and Best Car Insurance in Reno, NV

Cheapest Minimum Liability Car Insurance in Reno

According to MoneyGeek’s research, the cheapest options in Reno for minimum coverage policies are:

  • State Farm: $327 per year
  • Capital Insurance Group: $355 per year

Dairyland offers the highest minimum coverage car insurance rates at around $1,022 per year. With an average cost of $466 per year, State Farm also provides the cheapest car insurance in Nevada. Its premiums are higher statewide than its Reno prices, which shows how location can change car insurance rates.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$304

$25

State Farm

$307

$26

State Farm

$327

$27

Capital Insurance Group

$355

$30

Nationwide

$369

$31

Nationwide

$378

$32

State Farm

$397

$33

Mercury

$406

$34

Mercury

$438

$37

Progressive

$448

$37

Progressive

$464

$39

GEICO

$466

$39

GEICO

$489

$41

Farmers

$507

$42

Progressive

$508

$42

GEICO

$513

$43

Nationwide

$518

$43

Farmers

$532

$44

Mercury

$537

$45

Travelers

$540

$45

Travelers

$573

$48

Capital Insurance Group

$582

$49

Travelers

$611

$51

Farmers

$617

$51

State Farm

$634

$53

Capital Insurance Group

$649

$54

American Family

$670

$56

American Family

$679

$57

State Farm

$683

$57

Allstate

$702

$58

Allstate

$710

$59

Country Financial

$710

$59

American Family

$724

$60

Country Financial

$725

$60

Nationwide

$763

$64

Allstate

$771

$64

Mercury

$790

$66

Capital Insurance Group

$791

$66

Kemper

$799

$67

Nevada General Insurance

$832

$69

Nationwide

$834

$70

Mercury

$849

$71

CSAA

$858

$71

State Farm

$873

$73

Farmers

$875

$73

Kemper

$892

$74

Farmers

$898

$75

GEICO

$900

$75

GEICO

$943

$79

American Family

$946

$79

Nevada General Insurance

$950

$79

Nevada General Insurance

$962

$80

Dairyland

$969

$81

Progressive

$997

$83

Progressive

$1,005

$84

Country Financial

$1,011

$84

CSAA

$1,017

$85

Dairyland

$1,022

$85

American Family

$1,027

$86

Travelers

$1,053

$88

Travelers

$1,062

$88

GEICO

$1,065

$89

Nationwide

$1,065

$89

Farmers

$1,086

$91

Mercury

$1,094

$91

Allstate

$1,123

$94

American Family

$1,149

$96

Kemper

$1,160

$97

Dairyland

$1,162

$97

CSAA

$1,173

$98

Allstate

$1,192

$99

Progressive

$1,205

$100

Allstate

$1,213

$101

Travelers

$1,240

$103

Capital Insurance Group

$1,263

$105

Country Financial

$1,295

$108

Nevada General Insurance

$1,345

$112

Country Financial

$1,364

$114

Nevada General Insurance

$1,516

$126

Nevada General Insurance

$1,738

$145

CSAA

$1,861

$155

Country Financial

$1,894

$158

Kemper

$2,070

$172

Dairyland

$2,176

$181

CSAA

$2,202

$184

Kemper

$2,375

$198

Kemper

$2,438

$203

Dairyland

$2,440

$203

CSAA

$2,536

$211

Dairyland

$2,829

$236

Nevada has established minimum liability insurance requirements for the state’s drivers, which includes coverage for bodily injury liability and personal damage. The required limits are as follows:

  • $25,000 for bodily injury liability per individual
  • $50,000 for bodily injury liability per accident
  • $20,000 for property damage liability per accident

Bodily injury liability is car insurance coverage that protects you if you're found responsible for causing injury or death to another person during a car accident. If you have $25,000 in personal injury protection policy, your insurer will pay for damages up to that amount. However, if the damages surpass $25,000, you'll be responsible for the remaining costs out of your pocket.

Cheapest Full Coverage Car Insurance in Reno

The following insurance providers offer the cheapest rates in Reno if you’re looking for full coverage car insurance:

  • State Farm: $683 per year
  • Mercury: $790 per year

Conversely, Dairyland is the most expensive provider in the city at roughly $2,440 per year. State Farm also provides Nevada's cheapest full coverage car insurance, with an average rate of $862 per year. Its statewide prices are $179 cheaper than its citywide rates, which shows how location impacts car insurance costs.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$304

$25

State Farm

$307

$26

State Farm

$327

$27

Capital Insurance Group

$355

$30

Nationwide

$369

$31

Nationwide

$378

$32

State Farm

$397

$33

Mercury

$406

$34

Mercury

$438

$37

Progressive

$448

$37

Progressive

$464

$39

GEICO

$466

$39

GEICO

$489

$41

Farmers

$507

$42

Progressive

$508

$42

GEICO

$513

$43

Nationwide

$518

$43

Farmers

$532

$44

Mercury

$537

$45

Travelers

$540

$45

Travelers

$573

$48

Capital Insurance Group

$582

$49

Travelers

$611

$51

Farmers

$617

$51

State Farm

$634

$53

Capital Insurance Group

$649

$54

American Family

$670

$56

American Family

$679

$57

State Farm

$683

$57

Allstate

$702

$58

Allstate

$710

$59

Country Financial

$710

$59

American Family

$724

$60

Country Financial

$725

$60

Nationwide

$763

$64

Allstate

$771

$64

Mercury

$790

$66

Capital Insurance Group

$791

$66

Kemper

$799

$67

Nevada General Insurance

$832

$69

Nationwide

$834

$70

Mercury

$849

$71

CSAA

$858

$71

State Farm

$873

$73

Farmers

$875

$73

Kemper

$892

$74

Farmers

$898

$75

GEICO

$900

$75

GEICO

$943

$79

American Family

$946

$79

Nevada General Insurance

$950

$79

Nevada General Insurance

$962

$80

Dairyland

$969

$81

Progressive

$997

$83

Progressive

$1,005

$84

Country Financial

$1,011

$84

CSAA

$1,017

$85

Dairyland

$1,022

$85

American Family

$1,027

$86

Travelers

$1,053

$88

Travelers

$1,062

$88

GEICO

$1,065

$89

Nationwide

$1,065

$89

Farmers

$1,086

$91

Mercury

$1,094

$91

Allstate

$1,123

$94

American Family

$1,149

$96

Kemper

$1,160

$97

Dairyland

$1,162

$97

CSAA

$1,173

$98

Allstate

$1,192

$99

Progressive

$1,205

$100

Allstate

$1,213

$101

Travelers

$1,240

$103

Capital Insurance Group

$1,263

$105

Country Financial

$1,295

$108

Nevada General Insurance

$1,345

$112

Country Financial

$1,364

$114

Nevada General Insurance

$1,516

$126

Nevada General Insurance

$1,738

$145

CSAA

$1,861

$155

Country Financial

$1,894

$158

Kemper

$2,070

$172

Dairyland

$2,176

$181

CSAA

$2,202

$184

Kemper

$2,375

$198

Kemper

$2,438

$203

Dairyland

$2,440

$203

CSAA

$2,536

$211

Dairyland

$2,829

$236

A full coverage car insurance policy increases the protections of a minimum coverage policy and incorporates comprehensive and collision coverage.

  • Collision Coverage: Pays for damages to your vehicle resulting from a collision with another car or object.
  • Comprehensive Coverage: Covers damages to your vehicle caused by non-collision events, such as theft or weather-related damage.

We advise buying a full coverage policy to safeguard your investment if you own a newer vehicle. However, if you own an older car, the additional expense of full coverage insurance may be higher than the vehicle's worth.

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Cheapest Car Insurance in Reno After a Driving Offense

MoneyGeek’s research shows the following car insurance companies offer the cheapest policies in Reno if you have a driving violation:

  • Speeding Ticket: State Farm ($755 per year)
  • At-Fault Accident: State Farm ($826 per year)
  • DUI: State Farm ($755 per year)

Meanwhile, Dairyland has the highest rates after a speeding ticket ($3,266 per year), an at-fault accident ($4,036 per year), and a DUI ($3,541 per year). Even the most affordable insurer in Reno will charge drivers with violations higher rates.

Company
Annual Premium
Monthly Premium

State Farm

$341

$28

State Farm

$341

$28

State Farm

$362

$30

State Farm

$362

$30

State Farm

$375

$31

Capital Insurance Group

$389

$32

Capital Insurance Group

$396

$33

State Farm

$399

$33

Nationwide

$428

$36

Nationwide

$436

$36

State Farm

$441

$37

State Farm

$441

$37

Capital Insurance Group

$453

$38

Capital Insurance Group

$457

$38

State Farm

$486

$40

Mercury

$532

$44

Progressive

$557

$46

Capital Insurance Group

$567

$47

Nationwide

$577

$48

Nationwide

$582

$48

Nationwide

$592

$49

Progressive

$593

$49

Progressive

$607

$51

Progressive

$622

$52

Farmers

$634

$53

Progressive

$641

$53

Progressive

$657

$55

Mercury

$659

$55

GEICO

$660

$55

Capital Insurance Group

$666

$56

Farmers

$667

$56

Mercury

$669

$56

GEICO

$669

$56

State Farm

$702

$58

State Farm

$702

$58

Mercury

$718

$60

Progressive

$720

$60

Travelers

$732

$61

Farmers

$746

$62

Capital Insurance Group

$754

$63

State Farm

$755

$63

State Farm

$755

$63

GEICO

$756

$63

Allstate

$763

$64

Nationwide

$764

$64

Travelers

$766

$64

State Farm

$769

$64

Allstate

$771

$64

Travelers

$772

$64

Capital Insurance Group

$772

$64

Progressive

$790

$66

Progressive

$795

$66

Nationwide

$797

$66

Nationwide

$807

$67

Travelers

$808

$67

Farmers

$813

$68

Mercury

$817

$68

GEICO

$818

$68

GEICO

$820

$68

State Farm

$826

$69

Farmers

$828

$69

Travelers

$832

$69

Allstate

$843

$70

Capital Insurance Group

$848

$71

Mercury

$853

$71

Allstate

$860

$72

American Family

$862

$72

Allstate

$870

$72

Kemper

$871

$73

Farmers

$876

$73

Travelers

$877

$73

American Family

$879

$73

Nationwide

$881

$73

Travelers

$881

$73

American Family

$892

$74

Allstate

$895

$75

Farmers

$903

$75

Allstate

$906

$76

Kemper

$906

$76

Country Financial

$910

$76

Travelers

$919

$77

Capital Insurance Group

$919

$77

Mercury

$920

$77

Country Financial

$928

$77

GEICO

$930

$77

Farmers

$934

$78

American Family

$934

$78

Farmers

$941

$78

Nevada General Insurance

$951

$79

Nevada General Insurance

$951

$79

Nationwide

$953

$79

Allstate

$958

$80

American Family

$960

$80

State Farm

$965

$80

State Farm

$965

$80

Kemper

$973

$81

Nationwide

$980

$82

American Family

$980

$82

Mercury

$983

$82

American Family

$996

$83

Travelers

$997

$83

Allstate

$999

$83

Kemper

$1,014

$84

Mercury

$1,039

$87

Capital Insurance Group

$1,039

$87

State Farm

$1,057

$88

Nevada General Insurance

$1,068

$89

Mercury

$1,071

$89

Nevada General Insurance

$1,084

$90

Nevada General Insurance

$1,084

$90

Country Financial

$1,091

$91

Nevada General Insurance

$1,098

$92

Nevada General Insurance

$1,098

$92

CSAA

$1,100

$92

Capital Insurance Group

$1,117

$93

American Family

$1,118

$93

Capital Insurance Group

$1,126

$94

American Family

$1,136

$95

Farmers

$1,153

$96

GEICO

$1,154

$96

GEICO

$1,154

$96

Country Financial

$1,159

$97

Farmers

$1,159

$97

CSAA

$1,173

$98

Nationwide

$1,184

$99

Nationwide

$1,184

$99

Nevada General Insurance

$1,219

$102

GEICO

$1,222

$102

Capital Insurance Group

$1,226

$102

Nevada General Insurance

$1,235

$103

Allstate

$1,244

$104

Kemper

$1,253

$104

American Family

$1,259

$105

Kemper

$1,268

$106

Nationwide

$1,272

$106

Country Financial

$1,278

$107

Country Financial

$1,293

$108

Mercury

$1,295

$108

Country Financial

$1,313

$109

Progressive

$1,321

$110

CSAA

$1,322

$110

Allstate

$1,322

$110

Kemper

$1,322

$110

Farmers

$1,349

$112

Allstate

$1,350

$112

GEICO

$1,352

$113

CSAA

$1,370

$114

GEICO

$1,374

$115

American Family

$1,375

$115

Progressive

$1,382

$115

Mercury

$1,388

$116

Mercury

$1,396

$116

American Family

$1,399

$117

Kemper

$1,404

$117

Dairyland

$1,408

$117

American Family

$1,408

$117

Progressive

$1,409

$117

CSAA

$1,414

$118

Farmers

$1,420

$118

Allstate

$1,422

$118

Dairyland

$1,429

$119

Country Financial

$1,445

$120

Farmers

$1,445

$120

Farmers

$1,445

$120

Progressive

$1,480

$123

Nevada General Insurance

$1,490

$124

Nevada General Insurance

$1,490

$124

Farmers

$1,497

$125

Travelers

$1,500

$125

Allstate

$1,508

$126

Capital Insurance Group

$1,509

$126

Allstate

$1,511

$126

American Family

$1,532

$128

CSAA

$1,539

$128

Progressive

$1,540

$128

Dairyland

$1,543

$129

American Family

$1,551

$129

Dairyland

$1,552

$129

Allstate

$1,553

$129

Nationwide

$1,554

$130

Dairyland

$1,555

$130

American Family

$1,559

$130

Travelers

$1,567

$131

Mercury

$1,568

$131

GEICO

$1,577

$131

Allstate

$1,607

$134

Travelers

$1,614

$135

Nationwide

$1,620

$135

Progressive

$1,622

$135

Farmers

$1,626

$136

Travelers

$1,628

$136

Farmers

$1,634

$136

Country Financial

$1,644

$137

Allstate

$1,649

$137

CSAA

$1,649

$137

CSAA

$1,662

$139

Nevada General Insurance

$1,673

$139

GEICO

$1,673

$139

Nevada General Insurance

$1,681

$140

Nevada General Insurance

$1,681

$140

Capital Insurance Group

$1,690

$141

GEICO

$1,695

$141

Travelers

$1,696

$141

Travelers

$1,702

$142

Nationwide

$1,707

$142

Mercury

$1,712

$143

Country Financial

$1,726

$144

Dairyland

$1,728

$144

Progressive

$1,733

$144

Dairyland

$1,734

$145

Mercury

$1,741

$145

Dairyland

$1,744

$145

American Family

$1,744

$145

Travelers

$1,768

$147

Country Financial

$1,837

$153

Progressive

$1,838

$153

Kemper

$1,843

$154

Capital Insurance Group

$1,847

$154

Nevada General Insurance

$1,887

$157

Travelers

$1,912

$159

Travelers

$1,916

$160

Nevada General Insurance

$1,916

$160

Nevada General Insurance

$1,916

$160

American Family

$1,927

$161

Country Financial

$1,932

$161

GEICO

$1,941

$162

Mercury

$1,947

$162

CSAA

$1,947

$162

Mercury

$1,957

$163

Country Financial

$1,985

$165

Progressive

$1,986

$166

Nationwide

$1,989

$166

Dairyland

$1,997

$166

Nevada General Insurance

$2,152

$179

Country Financial

$2,241

$187

Kemper

$2,254

$188

Kemper

$2,298

$192

Country Financial

$2,355

$196

GEICO

$2,357

$196

Country Financial

$2,404

$200

CSAA

$2,443

$204

GEICO

$2,445

$204

GEICO

$2,463

$205

Capital Insurance Group

$2,490

$208

Country Financial

$2,570

$214

Kemper

$2,588

$216

CSAA

$2,620

$218

Kemper

$2,636

$220

Kemper

$2,660

$222

Kemper

$2,727

$227

CSAA

$2,909

$242

CSAA

$3,088

$257

CSAA

$3,123

$260

Kemper

$3,191

$266

Dairyland

$3,266

$272

Country Financial

$3,292

$274

Dairyland

$3,355

$280

CSAA

$3,367

$281

Dairyland

$3,428

$286

Dairyland

$3,541

$295

CSAA

$3,620

$302

Kemper

$3,651

$304

Dairyland

$3,680

$307

CSAA

$3,692

$308

Dairyland

$3,720

$310

Kemper

$3,827

$319

Dairyland

$4,036

$336

Dairyland

$4,119

$343

CSAA

$4,289

$357

Dairyland

$4,349

$362

Driving violations can increase car insurance premiums, and serious violations typically carry higher surcharges. For instance, you'll pay $324 more in Reno after a speeding ticket and $697 more after a DUI. Nevertheless, finding cheap auto insurance after a bad driving record is possible by shopping around and comparing offers.

Cheapest Car Insurance in Reno for Teens and Their Families

The cheapest car insurance companies in Reno for insuring teen drivers on a family policy are:

  • Nationwide: $1,692 per year for female teens; $1,822 per year for male teens
  • State Farm: $2,064 per year for female teens; $2,578 per year for male teens

GEICO offers the most expensive car insurance for teen drivers in Reno, costing around $4,617 and $4,890 per year for female and male teen drivers, respectively.

Male teenagers are generally considered riskier drivers than their female counterparts, resulting in higher insurance premiums. However, the discrepancy in rates decreases by early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$1,107

$1,928

State Farm

$1,125

$1,661

Nationwide

$1,135

$2,068

Travelers

$1,226

$2,149

State Farm

$1,233

$1,820

Nationwide

$1,252

$2,767

State Farm

$1,260

$1,819

Nationwide

$1,270

$2,212

State Farm

$1,293

$2,183

Nationwide

$1,300

$2,579

Nationwide

$1,305

$3,021

Nationwide

$1,314

$2,393

Capital Insurance Group

$1,319

$1,763

State Farm

$1,336

$1,972

Nationwide

$1,342

$2,338

Nationwide

$1,344

$2,802

Travelers

$1,354

$2,257

Travelers

$1,382

$2,423

Travelers

$1,386

$2,653

Nationwide

$1,388

$2,529

State Farm

$1,393

$2,358

State Farm

$1,404

$2,026

Farmers

$1,422

$2,160

Travelers

$1,423

$2,495

Farmers

$1,456

$2,271

Allstate

$1,462

$2,061

State Farm

$1,489

$2,514

Nationwide

$1,510

$3,795

Allstate

$1,518

$2,065

Nationwide

$1,527

$4,572

Travelers

$1,540

$2,565

State Farm

$1,549

$2,236

Nationwide

$1,563

$3,454

Travelers

$1,582

$2,900

State Farm

$1,585

$2,684

State Farm

$1,585

$3,011

Allstate

$1,589

$2,753

Allstate

$1,592

$2,244

Travelers

$1,602

$3,089

Nationwide

$1,610

$4,342

Nationwide

$1,642

$5,154

Nationwide

$1,649

$3,818

Allstate

$1,654

$5,947

Travelers

$1,659

$2,765

State Farm

$1,673

$2,777

Allstate

$1,680

$2,687

Nationwide

$1,686

$5,047

Nationwide

$1,692

$5,576

Allstate

$1,746

$3,232

Capital Insurance Group

$1,756

$2,729

Allstate

$1,759

$2,480

Allstate

$1,771

$2,410

Allstate

$1,795

$3,111

State Farm

$1,803

$3,425

Nationwide

$1,815

$5,695

Nationwide

$1,822

$6,306

Allstate

$1,869

$2,957

Travelers

$1,878

$3,443

Progressive

$1,894

$2,137

Travelers

$1,895

$4,076

Allstate

$1,897

$4,000

Travelers

$1,908

$3,468

State Farm

$1,947

$3,232

State Farm

$1,947

$3,689

Capital Insurance Group

$1,991

$3,095

Capital Insurance Group

$2,002

$3,250

Allstate

$2,006

$7,581

Allstate

$2,014

$2,741

State Farm

$2,053

$3,900

State Farm

$2,064

$4,438

Capital Insurance Group

$2,080

$3,368

Farmers

$2,114

$4,103

Allstate

$2,118

$4,551

Capital Insurance Group

$2,147

$3,785

Capital Insurance Group

$2,148

$3,510

Allstate

$2,148

$3,977

Capital Insurance Group

$2,166

$2,896

Capital Insurance Group

$2,167

$3,368

Progressive

$2,172

$2,367

Farmers

$2,216

$3,927

Progressive

$2,217

$2,502

Farmers

$2,236

$4,498

State Farm

$2,242

$4,218

Capital Insurance Group

$2,246

$3,308

Travelers

$2,248

$5,230

Farmers

$2,282

$4,753

Farmers

$2,283

$4,431

Capital Insurance Group

$2,306

$4,066

Capital Insurance Group

$2,316

$3,095

Travelers

$2,332

$4,238

Farmers

$2,332

$4,323

Progressive

$2,339

$3,706

Travelers

$2,357

$5,143

Progressive

$2,363

$3,649

Progressive

$2,365

$3,213

Farmers

$2,366

$4,759

Allstate

$2,375

$8,537

Farmers

$2,378

$5,095

Farmers

$2,410

$3,660

Farmers

$2,415

$10,374

Allstate

$2,431

$11,737

GEICO

$2,443

$2,269

Farmers

$2,446

$3,714

GEICO

$2,473

$2,951

Progressive

$2,476

$2,699

GEICO

$2,479

$2,303

Progressive

$2,501

$2,822

Capital Insurance Group

$2,510

$4,664

Farmers

$2,512

$3,919

Capital Insurance Group

$2,526

$4,066

GEICO

$2,528

$3,017

GEICO

$2,532

$4,432

Farmers

$2,560

$11,274

State Farm

$2,567

$4,831

Capital Insurance Group

$2,571

$3,785

Kemper

$2,573

$4,584

State Farm

$2,578

$5,502

Farmers

$2,589

$4,038

GEICO

$2,596

$3,763

Progressive

$2,598

$3,359

GEICO

$2,606

$2,420

Allstate

$2,632

$11,983

GEICO

$2,632

$3,141

Kemper

$2,635

$3,108

Capital Insurance Group

$2,646

$4,348

Farmers

$2,659

$11,420

Progressive

$2,661

$2,900

Kemper

$2,696

$3,581

Allstate

$2,717

$10,266

GEICO

$2,744

$3,989

GEICO

$2,796

$3,394

Kemper

$2,809

$5,599

Capital Insurance Group

$2,839

$4,664

Farmers

$2,848

$12,539

Farmers

$2,848

$14,905

Progressive

$2,850

$5,110

Capital Insurance Group

$2,855

$5,306

Travelers

$2,856

$6,644

Kemper

$2,871

$3,108

Kemper

$2,871

$3,108

Progressive

$2,876

$4,442

Travelers

$2,882

$6,701

Kemper

$2,911

$3,108

Kemper

$2,935

$3,409

Progressive

$2,974

$5,567

Capital Insurance Group

$2,977

$6,632

Travelers

$3,002

$9,081

Kemper

$3,029

$3,279

Kemper

$3,046

$3,581

Farmers

$3,052

$16,504

Progressive

$3,070

$4,866

Kemper

$3,083

$3,581

Kemper

$3,083

$3,581

Kemper

$3,191

$4,091

Capital Insurance Group

$3,316

$7,331

GEICO

$3,321

$6,799

Kemper

$3,404

$4,990

GEICO

$3,432

$5,845

Kemper

$3,468

$4,091

Progressive

$3,481

$12,547

GEICO

$3,548

$6,212

GEICO

$3,667

$5,316

Progressive

$3,676

$13,611

Travelers

$3,719

$8,647

GEICO

$3,738

$9,164

Kemper

$3,758

$4,990

GEICO

$3,835

$10,445

Travelers

$3,926

$12,039

Progressive

$4,059

$15,768

Kemper

$4,303

$9,878

Progressive

$4,307

$17,220

Progressive

$4,322

$15,578

GEICO

$4,388

$10,759

GEICO

$4,437

$12,087

Kemper

$4,514

$11,488

Progressive

$4,594

$17,009

GEICO

$4,617

$15,198

Kemper

$4,793

$8,539

GEICO

$4,890

$16,042

Kemper

$4,970

$9,909

Buying a separate car insurance policy for a teen driver can be very expensive. Instead, adding a 16-year-old male driver to a current family policy in Reno can save you around $5,150 per year. Shopping around for cheap auto insurance for teens and comparing offers from various companies can also result in substantial savings.

Cheapest Car Insurance in Reno for Military Drivers

Based on MoneyGeek’s analysis, the cheapest full coverage auto insurance for drivers with military affiliations in Reno are:

  • USAA: $681 per year
  • State Farm: $683 per year

USAA and State Farm also provide the most affordable minimum coverage options, at $323 and $327 per year, respectively.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$304

$25

State Farm

$307

$26

USAA

$323

$27

State Farm

$327

$27

USAA

$329

$27

Capital Insurance Group

$355

$30

Nationwide

$369

$31

Nationwide

$378

$32

State Farm

$397

$33

USAA

$403

$34

Mercury

$406

$34

Mercury

$438

$37

Progressive

$448

$37

Progressive

$464

$39

GEICO

$466

$39

GEICO

$489

$41

Farmers

$507

$42

Progressive

$508

$42

GEICO

$513

$43

Nationwide

$518

$43

Farmers

$532

$44

Mercury

$537

$45

Travelers

$540

$45

Travelers

$573

$48

Capital Insurance Group

$582

$49

Travelers

$611

$51

Farmers

$617

$51

State Farm

$634

$53

Capital Insurance Group

$649

$54

USAA

$664

$55

American Family

$670

$56

American Family

$679

$57

USAA

$681

$57

State Farm

$683

$57

Allstate

$702

$58

Allstate

$710

$59

Country Financial

$710

$59

American Family

$724

$60

Country Financial

$725

$60

Nationwide

$763

$64

Allstate

$771

$64

Mercury

$790

$66

Capital Insurance Group

$791

$66

Kemper

$799

$67

Nevada General Insurance

$832

$69

Nationwide

$834

$70

Mercury

$849

$71

CSAA

$858

$71

USAA

$868

$72

State Farm

$873

$73

Farmers

$875

$73

Kemper

$892

$74

Farmers

$898

$75

GEICO

$900

$75

GEICO

$943

$79

American Family

$946

$79

Nevada General Insurance

$950

$79

Nevada General Insurance

$962

$80

Dairyland

$969

$81

Progressive

$997

$83

Progressive

$1,005

$84

Country Financial

$1,011

$84

CSAA

$1,017

$85

Dairyland

$1,022

$85

American Family

$1,027

$86

Travelers

$1,053

$88

Travelers

$1,062

$88

GEICO

$1,065

$89

Nationwide

$1,065

$89

Farmers

$1,086

$91

Mercury

$1,094

$91

Allstate

$1,123

$94

American Family

$1,149

$96

Kemper

$1,160

$97

Dairyland

$1,162

$97

CSAA

$1,173

$98

Allstate

$1,192

$99

Progressive

$1,205

$100

Allstate

$1,213

$101

Travelers

$1,240

$103

Capital Insurance Group

$1,263

$105

Country Financial

$1,295

$108

Nevada General Insurance

$1,345

$112

Country Financial

$1,364

$114

Nevada General Insurance

$1,516

$126

Nevada General Insurance

$1,738

$145

CSAA

$1,861

$155

Country Financial

$1,894

$158

Kemper

$2,070

$172

Dairyland

$2,176

$181

CSAA

$2,202

$184

Kemper

$2,375

$198

Kemper

$2,438

$203

Dairyland

$2,440

$203

CSAA

$2,536

$211

Dairyland

$2,829

$236

How to Compare Cheap Reno Car Insurance Quotes Online

Obtaining car insurance quotes online can take 15 minutes or longer and requires divulging a large amount of personal information. With MoneyGeek's car insurance calculator, you save time and effort. Our calculator generates estimates instantly based on just your age, driving history, type of vehicle and desired coverage level.

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USAA

Best Car Insurance in Reno: Summary

The most suitable car insurance for you may vary based on your preferences for affordability, coverage options, service quality and other factors. MoneyGeek identified the top car insurance providers in Reno for various categories:

  • Best overall: Capital Insurance Group (MoneyGeek score 80 out of 100)
  • Best for service: Capital Insurance Group (MoneyGeek score 68 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 81 out of 100)

Note that a company's MoneyGeek score may change according to how we weigh criteria for a specific category. For those with a military background, we pick USAA as the top auto insurance provider, earning a MoneyGeek score of 85 out of 100.

While Capital Insurance Group is the highest-scoring insurer in Reno, GEICO is MoneyGeek’s pick as the best overall car insurance provider in Nevada. This highlights how car insurance prices can vary significantly depending on location.

Best Overall Car Insurance in Reno

According to MoneyGeek's evaluation of cost, service quality and other factors, the best overall car insurance companies in Reno are:

  • Capital Insurance Group: MoneyGeek score 80 out of 100 ($791 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($683 per year)

Capital Insurance Group stands out from its 14 competitors due to its excellent customer service and affordable premiums. For those with a military background, USAA is our top choice, with a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Offers the third-cheapest rates at $791 per year

Provides top-notch customer service

Custom parts coverage is an option

cons

Limited add-on coverages

Lacks OEM coverage, gap insurance and rental/travel reimbursement

COMPANY HIGHLIGHTS

Capital Insurance Group stands out as Reno's top car insurance provider, offering a winning combination of affordable rates and excellent customer service. Although its coverage options are limited, you can still find valuable add-ons from this company to enhance your level of protection.

Notably, Capital Insurance Group provides roadside assistance coverage as an optional add-on. This endorsement pays for your expenses during roadside emergencies, such as flat tire repairs, towing, jump-starting a dead battery and lockout services.

The company also offers full glass coverage as an add-on. With this unique rider, you can arrange for a “come-to-you” glass repair service if your vehicle’s windshield or windows are damaged. Additionally, Capital Insurance Group has custom parts coverage. It’s a rare endorsement that helps protect any non-factory installed parts and equipment you’ve added to your vehicle.

Best Car Insurance in Reno for Customer Service

According to MoneyGeek’s analysis, the top car insurance providers in Reno for customer service, regardless of price, are:

  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($791 per year)
  • Country Financial: MoneyGeek score 65 out of 100 ($1,364 per year)

Capital Insurance Group is the ideal option for those who prioritize customer service due to its exceptional reputation for satisfaction and efficient claims handling. Not only does the company have an above-average service rating, but it’s also the third cheapest option out of the 15 insurers we surveyed in Reno. This means you get exceptional service without breaking the bank.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Outstanding customer service

Top-notch claims management

Full glass coverage is an option

cons

Limited add-on coverages

Lacks OEM coverage, gap insurance or rental/travel reimbursement

COMPANY HIGHLIGHTS

Capital Insurance Group is the top car insurance provider in Reno for drivers who value customer service. It has a solid customer service reputation and outstanding claims management, ensuring smooth and speedy transactions.

While its coverage options are limited, this company still offers valuable add-ons that give you an added level of protection. One of these add-ons is the optional roadside assistance coverage, which covers expenses incurred during roadside emergencies. It pays for flat tire repair, towing, jump-starting dead batteries and lockout services.

Capital Insurance Group’s full glass coverage is another useful add-on. It pays for "come-to-you" glass repair services for damaged windshields or windows. The company also offers custom parts coverage, a rare endorsement that helps protect any non-factory installed parts and equipment you’ve added to your vehicle.

Best Cheap Car Insurance in Reno

After analyzing the price and service quality of car insurance policies that meet Nevada's minimum coverage requirements, we've identified the following providers as the top choices in Reno:

  • Capital Insurance Group: MoneyGeek score 81 out of 100 ($355 per year)
  • State Farm: MoneyGeek score 78 out of 100 ($327 per year)

Choosing a minimum coverage policy can help you save on your premiums. However, these policies only offer limited coverage for liability expenses and do not cover damages to your vehicle if you’re involved in an accident.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

An affordable minimum coverage policy costs $355 per year

Offers a good student discount

Has excellent customer service and claims management

cons

Limited discount opportunities

COMPANY HIGHLIGHTS

If you're looking for cheap minimum coverage car insurance, MoneyGeek’s top choice in Reno is Capital Insurance Group. The company strikes a good balance between competitive pricing and superior customer service, so you won’t have to sacrifice quality service for affordability with this company.

However, Capital Insurance Group lacks the usual discounts other providers offer and only has a good student discount. Student drivers may qualify for an up to 20% discount from this provider if they maintain a cumulative grade of “B” or better.

Nonetheless, Capital Insurance Group has the second cheapest rates for minimum coverage policies in Reno. Even without discounts, most drivers will find this provider to be affordable. And because of its top-notch service, it offers excellent value for the money.

Average Cost of Car Insurance in Reno

MoneyGeek’s research shows that the average cost of full coverage auto insurance in Reno is $1,745 per year. This quote is for a policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

On average, car insurance in Reno is $507 cheaper than the cost of car insurance in the state of Nevada. It’s also $27 more affordable compared to the national average. This shows how location can impact your car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.