Cheapest and Best Car Insurance Companies in Reno, NV

After analyzing the latest 2023 quotes, State Farm is the cheapest car insurance provider in Reno, NV. Capital Insurance Group is the city’s best overall insurance company, providing affordability and high-quality service.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Margarita Barresi

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.

Cheapest + BestCar InsuranceReno

2023

Cheapest and Best Car Insurance in Reno, NV

Cheapest Overall - State Farm

Cheapest Full Coverage - State Farm

Cheapest After Driving Offense - State Farm

Cheapest for Teens - Nationwide

Cheapest for Military - USAA

Best Overall - Capital Insurance Group

Best for Customer Service - Capital Insurance Group

Best Cheap - Capital Insurance Group

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Nevada

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$504

2.GEICO

$773

3.Travelers

$839

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?

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?

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?

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 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.

Cheapest and Best Car Insurance Companies in Reno, NV

On This Page:

Cheapest Minimum Liability Car Insurance in Reno

Cheapest Full Coverage Car Insurance in Reno

Cheapest Car Insurance in Reno After a Driving Offense

Cheapest Car Insurance in Reno for Teens and Their Families

Cheapest Car Insurance in Reno for Military Drivers

How to Compare Cheap Reno Car Insurance Quotes Online

Best Car Insurance in Reno: Summary

Best Overall Car Insurance in Reno

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Reno for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Reno

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Reno