Cheapest and Best Car Insurance Companies in Reno, NV


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Updated: May 20, 2024

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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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2024

Cheapest and Best Car Insurance in Reno, NV

Why Trust MoneyGeek? Why Trust MoneyGeek? Our team conducted extensive research and analysis, evaluating thousands of car insurance quotes in Nevada and referring to data from the Nevada Division of Insurance and Quadrant Information Services. Utilizing our proprietary scoring method, we then identified the top car insurance companies in Reno.

90,496Quotes Analyzed
 
16Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$327Monthly Premium$27
Capital Insurance GroupAnnual Premium$355Monthly Premium$30
NationwideAnnual Premium$378Monthly Premium$32
MercuryAnnual Premium$406Monthly Premium$34
ProgressiveAnnual Premium$448Monthly Premium$37
GEICOAnnual Premium$489Monthly Premium$41
FarmersAnnual Premium$507Monthly Premium$42
TravelersAnnual Premium$540Monthly Premium$45

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$683Monthly Premium$57
MercuryAnnual Premium$790Monthly Premium$66
Capital Insurance GroupAnnual Premium$791Monthly Premium$66
NationwideAnnual Premium$834Monthly Premium$70
FarmersAnnual Premium$898Monthly Premium$75
GEICOAnnual Premium$943Monthly Premium$79
ProgressiveAnnual Premium$1,005Monthly Premium$84
American FamilyAnnual Premium$1,027Monthly Premium$86

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$755Monthly Premium$63
NationwideAnnual Premium$953Monthly Premium$79
Capital Insurance GroupAnnual Premium$1,039Monthly Premium$87
MercuryAnnual Premium$1,071Monthly Premium$89
FarmersAnnual Premium$1,159Monthly Premium$97
AllstateAnnual Premium$1,244Monthly Premium$104
ProgressiveAnnual Premium$1,321Monthly Premium$110
GEICOAnnual Premium$1,374Monthly Premium$115

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,692Individual Plan Monthly Premium$5,576
State FarmFamily Plan Annual Premium$2,064Individual Plan Monthly Premium$4,438
AllstateFamily Plan Annual Premium$2,431Individual Plan Monthly Premium$11,737
FarmersFamily Plan Annual Premium$2,848Individual Plan Monthly Premium$14,905
TravelersFamily Plan Annual Premium$3,002Individual Plan Monthly Premium$9,081
Capital Insurance GroupFamily Plan Annual Premium$3,316Individual Plan Monthly Premium$7,331
ProgressiveFamily Plan Annual Premium$4,059Individual Plan Monthly Premium$15,768
KemperFamily Plan Annual Premium$4,303Individual Plan Monthly Premium$9,878

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$681Monthly Premium$57
State FarmAnnual Premium$683Monthly Premium$57
MercuryAnnual Premium$790Monthly Premium$66
Capital Insurance GroupAnnual Premium$791Monthly Premium$66
NationwideAnnual Premium$834Monthly Premium$70
FarmersAnnual Premium$898Monthly Premium$75
GEICOAnnual Premium$943Monthly Premium$79
ProgressiveAnnual Premium$1,005Monthly Premium$84

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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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jul 12, 2024

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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

checkmark

Offers the third-cheapest rates at $791 per year

checkmark

Provides top-notch customer service

checkmark

Custom parts coverage is an option

cons

close

Limited add-on coverages

close

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

checkmark

Outstanding customer service

checkmark

Top-notch claims management

checkmark

Full glass coverage is an option

cons

close

Limited add-on coverages

close

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

checkmark

An affordable minimum coverage policy costs $355 per year

checkmark

Offers a good student discount

checkmark

Has excellent customer service and claims management

cons

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.