In Reno, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. If you're prioritizing cheap home insurance, Capital Insurance Group provides the lowest premium at $64 per month.
Cheap Home Insurance in Reno
Updated: October 30, 2025
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Key Takeaways
State Farm provides the best overall value for homeowners in Reno, while Capital Insurance Group delivers the most affordable coverage at $773 annually.
Home insurance in Reno costs around $138 per month, adding up to $1,662 per year.
To get the best and cheapest home insurance in Reno, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Reno
| State Farm | 77 | $114 | $1,369 |
| Capital Insurance Group | 70 | $64 | $773 |
| American Family | 69 | $142 | $1,701 |
| Nationwide | 61 | $157 | $1,889 |
| Farmers | 55 | $159 | $1,906 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Reno Home Insurance Cost?
Reno home insurance costs vary widely by your personal profile, coverage chosen and home details. Home insurance costs also vary across other Nevada cities like Las Vegas, where local risk factors and home values can impact premiums.
Prices range from $49 to $487 per month on average. Below, you can compare personalized rates based on your home age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $49 | $583 |
How to Get the Best Cheap Home Insurance in Reno
Finding affordable home insurance in Reno can be challenging. We created a step-by-step guide to help you discover the best cheap homeowners insurance that fits your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Home insurance prices in Nevada can change a lot depending on the city and the type of home you own. Reviewing the best homeowners insurance in Nevada gives you a statewide look at which companies consistently deliver strong coverage and dependable customer service, which can be valuable before narrowing your search to Reno-based providers.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes helps you to identify the best option for you. Pricing also varies depending on where you get your quote. We recommend requesting quotes using online tools and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Reno: Bottom Line
The top three best and cheapest home insurance providers in Reno are State Farm, Capital Insurance Group and American Family. While these are strong choices for Reno homeowners, pricing can differ significantly across the state. If you’re comparing options beyond the city, our guide to cheap homeowners insurance in Nevada outlines which providers consistently offer the lowest rates and most reliable coverage statewide.
Reno Home Insurance: FAQ
Below, we've answered common questions about home insurance for Reno residents.
Who offers the best home insurance in Reno?
We recommend State Farm as the best home insurance provider in Reno for its affordability, quality service and diverse coverage options. Additionally, consider quotes from Capital Insurance Group, American Family, Nationwide and Farmers.
Who has the cheapest home insurance in Reno?
Capital Insurance Group offers the most affordable home insurance for the average homeowner at about $64 per month or $773 annually. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Reno?
Home insurance costs in Reno range from $583 to $5,847 annually, reflecting differences in coverage levels and property ages.
How We Decided the Best Cheap Home Insurance Companies in Reno
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Reno. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.