Cheapest and Best Car Insurance Companies in Reno, NV

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.