In Reno, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. If you're prioritizing price, Capital Insurance Group provides the lowest premium at $64 per month.
Cheap Home Insurance in Reno
Updated: June 10, 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. 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:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$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.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Nevada for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare 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.
- 4
Compare 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 our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.