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Average Cost of Car Insurance in Reno

Reno$1,239
Nevada$1,900
U.S.$1,424

Reno has an average auto insurance rate of $1,239 annually, which is cheaper than both the state and national average annual premiums. Reno drivers pay around 34.8% less than the $1,900 state average. The average car insurance rate in Reno is also 13% cheaper than the national annual average of $1,424.

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The Best Cheap Car Insurance Companies in Reno

In terms of affordable auto insurance companies in Reno, USAA comes in first place. Reno drivers can get a policy with an average annual premium of $744, which is $495 less than the city average, with USAA. However, USAA has strict membership qualifications. Only former or active members of the military can apply for USAA policies.

If you are not qualified, consider the second most affordable company in Reno: GEICO. For an average of $870 per year, you can get an auto insurance policy from GEICO. That rate is $369 less than the city's average cost of auto insurance. The most expensive annual premium is from CSAA. A policy from CSAA costs an average of $1,997 per year, which is more than twice the annual premium with GEICO.

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Personalized Quotes to Get You the Cheapest Car Insurance in Reno

Car insurance companies in Reno consider various factors when they calculate annual premiums. Such factors include age, gender, driving history, car make and model, and ZIP code. As your life circumstances change, so does the cost of your auto insurance. The best way to find accurate rates is to frequently get personalized quotes. Doing so will also let you see if you qualify for rebates or discounts.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Reno by Coverage Amount

How much car insurance coverage you purchase in Reno also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Nevada Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.

Comparing the differences in car insurance quotes in Reno will help you decide on what option is best for your circumstances. Will a minimum liability coverage be enough? If that is the case, you can purchase a policy for as low as $372 from USAA. If you do not qualify for their policy, an alternative option is GEICO. GEICO's annual premium for state minimum liability is $447.

You can also buy a 50/100/50 liability-only or full-coverage policy. Choosing this option will allow you to get up to $50,000 for bodily injuries of a person, $100,000 per accident and $50,000 for property damage. If there is only a small difference in costs, it may be better to get full coverage. GEICO’s liability-only plan costs $526. By adding $207, you can upgrade to full coverage.

If you want more comprehensive protection, you can opt for 100/300/100 full coverage. Among the car insurance companies in Reno, USAA offers the cheapest annual premium for this coverage level: $744. For people outside of the military, GEICO offers an $870 annual premium.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Reno if You Have Tickets

Responsible drivers in Reno get better deals compared to those with moving violations, such as speeding tickets, DUI or at-fault accidents. For example, a driver with a speeding ticket or a DUI will have to pay a $1,077 annual premium for a State Farm policy. That rate is $81 more than the $996 annual premium that a driver with a clean record pays. Meanwhile, if you have been in an accident where you were at fault, your annual premium for a similar policy will increase to $1,158.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $855
    $1,007
    $1,430
  • $1,077
    $1,158
    $1,077
  • $1,213
    $1,358
    $1,437
  • $1,186
    $1,441
    $1,995
  • $1,250
    $1,569
    $1,980
  • $1,928
    $2,095
    $2,204
  • 7. CSAA
    $2,562
    $3,170
    $2,724

Average Cost of Car Insurance by Postal Code

Where you live in Nevada also affects the cost of your auto insurance. Every ZIP code has an average car insurance rate. In Reno, the rates range from $1,182 to $1,284. The cheapest ZIP code is 89506, $1,182. Meanwhile, drivers living in ZIP code 89502 pay the most expensive rate, $1,284.

  • Zip Code
    State Minimumper year
  • 89506
    $1,182
  • 89523
    $1,251
  • 89502
    $1,284
iconribbontop ratedCar Insurance agentsReno2021

Top Agents Offering Affordable Car Insurance in Reno

1. Farmers Insurance - William Jaskar15 Foothill Rd, Ste 5, Reno, NV, 89511
10 ratings
2. Ron Weaver - State Farm Insurance Agent1296 E Plumb Ln, Ste F, Reno, NV, 89502
7 ratings
3. Naomi Chacon - COUNTRY Financial representative10615 Professional Cir, Ste 100, Reno, NV, 89521
6 ratings
4. Eric Delgadillo - State Farm Insurance Agent2450 Vassar St, Ste 1, Reno, NV, 89502
5 ratings
5. Northern Insurance402 Crampton, Reno, NV, 89502
4 ratings

Factors That Impact Insurance Costs in Reno

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Reno. How Reno ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities138th/300
handcuffs2 icon
Most Car Thefts176th/300
uninsured icon
Most Uninsured Motorists by State29th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall299th/300
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Most Rainy Days238th/300

Shopping around for car insurance in Reno could save you $369, which is enough to buy:


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123Cups of Coffee
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28Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Reno are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Reno

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.