Compare the Cheapest Car Insurance Quotes in Reno, NV

Car insurance in Reno costs an average of $1,239 yearly, which is lower than the Nevada average. The cheapest widely available provider for average drivers is GEICO, but MoneyGeek also evaluated the cheapest options across different driver profiles and coverage levels. For those requiring a balance between cost and service, MoneyGeek also rated the best companies in the city.

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

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Last Updated: 7/31/2022
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GEICO is Reno's cheapest auto insurance provider for full coverage plans and liability insurance, according to MoneyGeek's analysis, while State Farm is the cheapest for drivers with violations on their records. However, for military personnel and their families, USAA may be the most affordable option overall. State Farm is also considered the city's best insurance provider due to its quality customer service and affordability.

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The Cheapest and Best Car Insurance in Reno

The Cheapest Car Insurance Companies in Reno

On average, the following providers in Reno provide the cheapest full coverage car insurance policies:

  • GEICO: $870 per year
  • Travelers: $980 per year

Although USAA offers the cheapest full-coverage insurance premiums in the city, at about $744 per year, its plans are only available to members of the military and their families.

GEICO is the city's cheapest insurance provider, costing nearly 130% less than CSAA, which has the most costly annual premiums for a comparable policy. A full coverage insurance policy includes a variety of coverages, including comprehensive and collision coverages. The amount of coverage you select determines the cost of the policy.

Cheapest Car Insurance in Reno
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
  • 2.
  • 3.
  • 4.
    State Farm
  • 5.
  • 6.
  • 7.

MoneyGeek analyzed the average insurance rates using a sample 40-year-old male driver covered by a full coverage insurance policy to conduct this research.

In addition to liability insurance, full coverage plans include two additional coverages and are therefore more costly. These other coverages are:

  • Collision coverage: Covers damages caused to your car by a collision with another vehicle or object.
  • Comprehensive Coverage: Protects you against damages to your vehicle that are not the result of an accident.

If you have an older car in Reno, liability-only or state minimum insurance may be a more affordable insurance option, particularly if the cost of a full coverage car insurance policy exceeds the car's replacement value.

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

Cheapest Car Insurance in Reno for Minimum Coverage

The cheapest insurance policy is usually one in which you get the minimum coverage allowed by law. In Reno, the following insurers offer the cheapest minimum liability insurance on average:

  • GEICO: $447 per year
  • State Farm: $506 per year

Military personnel can opt for a USAA policy, the cheapest in the city at approximately $372 per year. GEICO's average quote is $484 less than CSAA's average of $931 yearly premium for a similar policy.

Due to their low coverage limits, minimum insurance policies are less expensive. Without comprehensive and collision coverage, however, you may find yourself without adequate coverage in the event of an accident. Consider the table below to determine the effect of increasing liability limits on your insurance premiums.

Cheapest Minimum Liability Car Insurance in Reno
State Minimum

Nevada law requires drivers to maintain a minimum of 25/50/20 liability insurance. While this is the least expensive insurance choice in Reno, it also delivers the lowest coverage. If you are at fault in an accident, you may have to pay a substantial amount to make up for the balance owing.

For example, if the other driver’s medical bills are $35,000 due to an accident in which you’re at fault, your insurance will cover $25,000 of that amount, and you will be responsible for the remainder.

Nevada Minimum Liability Requirements

  • Item
  • 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.

Cheapest Car Insurance in Reno if You Have Driving Violations

If you get a ticket in Reno for a traffic offense like speeding, or you’re charged with a DUI or found at fault in an accident, your car insurance premiums will increase, sometimes substantially. The city's cheapest average insurance rates for the most common traffic offenses are as follows:

  • Cheapest after a ticket: State Farm, $1,077 per year
  • Cheapest after an at-fault accident: State Farm, $1,158 per year
  • Cheapest after a DUI: State Farm, $1,077 per year

In Reno, USAA offers the cheapest quotes for those with a speeding ticket or at-fault accident history. However, their policies are only sold to military members.

Regardless of your traffic offense, you can improve your driving skills and lower your insurance costs over time. In the meantime, you can try to pay less by shopping around for the best deal for drivers with bad records.

Cheapest Car Insurance in Reno With a Violation
Speeding Ticket

Average Cost of Car Insurance in Reno


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.

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.

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

The Best Car Insurance Companies in Reno

Using affordability, financial stability, claims and customer satisfaction as a guide, MoneyGeek determined the best car insurance companies in Reno, Nevada. The top two among them are as follows:

  • State Farm: 89.2 out of 100
  • GEICO: 83.6 out of 100

USAA, with a MoneyGeek score of 100 out of 100, ranked first. However, we did not include it in our analysis due to the fact that its customers are only people with military backgrounds.

State Farm




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

State Farm scored well in affordability, claims and user satisfaction. It costs around $996 in Reno and it offers rideshare insurance.

More About State Farm

Rideshare insurance in Reno can be handy if you use your personal vehicle as a rideshare driver for a TNC (Transportation Network Company). It extends the coverage you already have on your State Farm auto insurance policy and offers protection in addition to the coverage that the TNC maintains on your behalf. Roadside assistance coverage is useful in the event of a car breakdown in Reno or similar events. The rental vehicle and/or trip reimbursement, on the other hand, covers up to your set limit for car rental and travel expenses.

Read MoneyGeek's State Farm auto Insurance Review




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

Although GEICO scored a little lower in other categories compared to State Farm, it still earned good scores in affordability, claims and stability. Its average annual premium in Reno is $870, and it offers a unique mechanical breakdown coverage.

More About GEICO

GEICO offers mechanical breakdown or car repair insurance in Reno, which is a great way to add additional protection to your auto insurance policy. It covers the cost of repairs if your vehicle breaks down, requires replacement parts or experiences other mechanical issues. Also, the optional roadside assistance coverage includes paying for transportation to the nearest repair facility where repairs may be completed, battery jump starts, tire replacements if you have a working spare and lockout services of up to a hundred dollars if you forget your keys inside your car and more.

Read MoneyGeek's GEICO auto Insurance Review

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
  • 89523
  • 89502

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
rain icon
Most Annual Rainfall299th/300
umbrella icon
Most Rainy Days238th/300

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.