Reno, NV Auto Insurance (2024)
The average Reno, NV auto insurance rates are $351 per month. The minimum auto insurance in Reno is at least 25/50/20 in coverage to comply with Nevada auto insurance laws. To find the best cheap auto insurance in Reno, Nevada, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Reno is USAA
- The minimum auto insurance required in Reno, Nevada is 25/50/20
- Average auto insurance rates in Reno, NV for senior drivers are $2,310 per year
Reno, Nevada auto insurance requirements are 25/50/20 according to Nevada auto insurance laws. Finding cheap auto insurance in Reno can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Reno, Nevada, including driving record, credit, commute time, and more.
Compare auto insurance in Reno to other Nevada cities, including Mesquite auto insurance rates, Fernley auto insurance rates, and North Las Vegas auto insurance rates to see how Reno, Nevada auto insurance rates stack up.
Before you buy Reno, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Reno, Nevada auto insurance quotes.
Minimum Auto Insurance in Reno, Nevada
Reno, Nevada auto insurance laws require that you have at least the Nevada minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Reno, Nevada.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Reno, Nevada Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Reno, Nevada are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,587 | $2,581 | $2,379 | $2,514 | $8,445 | $10,167 | $2,792 | $2,987 |
| American Family | $2,624 | $2,624 | $2,332 | $2,332 | $8,952 | $11,734 | $2,624 | $3,055 |
| Farmers | $3,028 | $3,107 | $2,751 | $3,100 | $10,145 | $10,802 | $4,049 | $4,108 |
| Geico | $2,679 | $2,587 | $2,696 | $2,723 | $6,738 | $6,172 | $2,672 | $2,289 |
| Liberty Mutual | $2,578 | $2,781 | $2,511 | $2,821 | $11,673 | $12,994 | $2,922 | $3,071 |
| Nationwide | $2,090 | $2,137 | $1,904 | $2,017 | $5,160 | $6,226 | $2,489 | $2,654 |
| Progressive | $1,946 | $1,685 | $1,706 | $1,698 | $8,451 | $9,179 | $2,274 | $2,114 |
| State Farm | $3,054 | $3,054 | $2,765 | $2,765 | $9,558 | $12,205 | $3,425 | $3,847 |
| Travelers | $1,917 | $1,943 | $1,837 | $1,832 | $10,151 | $16,388 | $2,129 | $2,356 |
| USAA | $1,844 | $1,812 | $1,763 | $1,755 | $4,715 | $5,313 | $2,312 | $2,461 |
Cheap Reno, Nevada Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Reno, Nevada is a challenge. Take a look at the annual teen auto insurance rates in Reno, Nevada.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,445 | $10,167 |
| American Family | $8,952 | $11,734 |
| Farmers | $10,145 | $10,802 |
| Geico | $6,738 | $6,172 |
| Liberty Mutual | $11,673 | $12,994 |
| Nationwide | $5,160 | $6,226 |
| Progressive | $8,451 | $9,179 |
| State Farm | $9,558 | $12,205 |
| Travelers | $10,151 | $16,388 |
| USAA | $4,715 | $5,313 |
Cheap Reno, Nevada Auto Insurance for Seniors
What are senior auto insurance rates in Reno, Nevada? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,379 | $2,514 |
| American Family | $2,332 | $2,332 |
| Farmers | $2,751 | $3,100 |
| Geico | $2,696 | $2,723 |
| Liberty Mutual | $2,511 | $2,821 |
| Nationwide | $1,904 | $2,017 |
| Progressive | $1,706 | $1,698 |
| State Farm | $2,765 | $2,765 |
| Travelers | $1,837 | $1,832 |
| USAA | $1,763 | $1,755 |
Cheap Reno, Nevada Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Reno, Nevada compared to the annual auto insurance rates with a clean record in Reno, Nevada.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,653 | $4,273 | $5,171 | $4,129 |
| American Family | $3,643 | $5,053 | $5,440 | $4,002 |
| Farmers | $4,284 | $5,463 | $5,647 | $5,150 |
| Geico | $2,465 | $3,954 | $4,827 | $3,032 |
| Liberty Mutual | $3,776 | $6,038 | $6,072 | $4,789 |
| Nationwide | $2,475 | $3,183 | $3,975 | $2,706 |
| Progressive | $3,033 | $4,156 | $3,814 | $3,523 |
| State Farm | $4,614 | $5,554 | $5,084 | $5,084 |
| Travelers | $3,447 | $5,144 | $6,536 | $4,150 |
| USAA | $2,109 | $2,653 | $3,842 | $2,383 |
Cheap Reno, Nevada Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Reno, Nevada is not easy. Compare the annual rates for DUI auto insurance in Reno, Nevada to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,171 |
| American Family | $5,440 |
| Farmers | $5,647 |
| Geico | $4,827 |
| Liberty Mutual | $6,072 |
| Nationwide | $3,975 |
| Progressive | $3,814 |
| State Farm | $5,084 |
| Travelers | $6,536 |
| USAA | $3,842 |
Cheap Reno, Nevada Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Reno, Nevada annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,498 | $4,002 | $3,419 |
| American Family | $5,623 | $4,286 | $3,694 |
| Farmers | $6,008 | $4,842 | $4,558 |
| Geico | $4,304 | $3,570 | $2,835 |
| Liberty Mutual | $7,417 | $4,537 | $3,552 |
| Nationwide | $3,638 | $3,007 | $2,609 |
| Progressive | $3,982 | $3,571 | $3,342 |
| State Farm | $9,303 | $3,643 | $2,307 |
| Travelers | $5,271 | $4,725 | $4,461 |
| USAA | $3,949 | $2,363 | $1,929 |
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Cheap Reno, Nevada Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Reno, Nevada can vary. Compare the annual cost of auto insurance by ZIP code in Reno, Nevada to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 89501 | $4,309 |
| 89502 | $4,360 |
| 89503 | $4,271 |
| 89506 | $4,199 |
| 89508 | $4,094 |
| 89509 | $4,318 |
| 89510 | $3,932 |
| 89511 | $4,084 |
| 89512 | $4,226 |
| 89519 | $4,293 |
| 89521 | $4,206 |
| 89523 | $4,159 |
| 89557 | $4,084 |
Cheap Reno, Nevada Auto Insurance Rates By Commute
Commute length and annual mileage affect Reno, Nevada auto insurance. Find the cheapest annual Reno, Nevada auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,306 | $4,306 |
| American Family | $4,474 | $4,595 |
| Farmers | $5,136 | $5,136 |
| Geico | $3,511 | $3,628 |
| Liberty Mutual | $5,169 | $5,169 |
| Nationwide | $3,085 | $3,085 |
| Progressive | $3,632 | $3,632 |
| State Farm | $4,934 | $5,234 |
| Travelers | $4,819 | $4,819 |
| USAA | $2,710 | $2,784 |
Cheap Reno, Nevada Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Reno, Nevada? Check out the comparison of annual Reno, Nevada auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,958 | $4,349 | $4,613 |
| American Family | $4,355 | $4,801 | $4,448 |
| Farmers | $4,656 | $5,079 | $5,673 |
| Geico | $3,237 | $3,499 | $3,973 |
| Liberty Mutual | $4,778 | $5,116 | $5,612 |
| Nationwide | $3,050 | $3,081 | $3,122 |
| Progressive | $3,208 | $3,513 | $4,174 |
| State Farm | $4,666 | $5,069 | $5,518 |
| Travelers | $4,378 | $4,839 | $5,240 |
| USAA | $2,462 | $2,722 | $3,056 |
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Best By Category: Cheapest Auto Insurance in Reno, Nevada
Compare the cheapest auto insurance companies in Reno, Nevada in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
The Cheapest Reno, Nevada Auto Insurance Companies
What auto insurance companies in Reno, Nevada are the cheapest? Compare the top Reno, Nevada auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,306 |
| American Family | $4,535 |
| Farmers | $5,136 |
| Geico | $3,570 |
| Liberty Mutual | $5,169 |
| Nationwide | $3,085 |
| Progressive | $3,632 |
| State Farm | $5,084 |
| Travelers | $4,819 |
| USAA | $2,747 |
What affects auto insurance rates in Reno, Nevada?
There are a lot of reasons why auto insurance rates in Reno, Nevada are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Reno, Nevada. Many local factors may affect your Reno auto insurance rates.
Reno Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Reno, Nevada auto theft statistics, there have been 1,050 auto thefts in the city.
Reno Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Reno, Nevada commute length is 20.3 minutes according to City-Data.
Reno Traffic
How does Reno, Nevada rank for traffic? According to Inrix Reno, Nevada is the 782nd most congested worldwide.
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Compare Reno, Nevada Auto Insurance Quotes
Before you buy Reno, Nevada auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Reno, Nevada auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that protects you financially in case of an accident or damage to your vehicle. It typically provides coverage for liability, property damage, and medical expenses.
Is auto insurance mandatory in Reno, NV?
Yes, auto insurance is mandatory in Reno, NV, as it is in most states. The minimum required coverage in Nevada includes liability insurance to cover bodily injury and property damage caused to others in an accident.
What types of auto insurance coverage are available in Reno, NV?
In addition to liability coverage, there are various types of auto insurance coverage available in Reno, NV, including collision coverage (for damage to your vehicle in an accident), comprehensive coverage (for non-accident-related damage), uninsured/underinsured motorist coverage (protection if you’re hit by someone without insurance or insufficient coverage), and medical payments coverage (to cover medical expenses).
How much auto insurance coverage do I need in Reno, NV?
The minimum liability coverage required in Reno, NV is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage. However, it’s often recommended to consider higher coverage limits to adequately protect yourself in case of a serious accident.
What factors can affect my auto insurance premium in Reno, NV?
Several factors can influence your auto insurance premium in Reno, NV, including your driving record, age, gender, location, type of vehicle, coverage options, deductibles, and credit history.
Are there any discounts available for auto insurance in Reno, NV?
Yes, insurance companies often offer various discounts for auto insurance in Reno, NV. These discounts can vary between insurance providers but may include safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features in your vehicle.
How can I find affordable auto insurance in Reno, NV?
To find affordable auto insurance in Reno, NV, it’s recommended to shop around and compare quotes from multiple insurance providers. You can also consider raising your deductibles, maintaining a good driving record, and bundling your auto insurance with other policies for potential discounts.
What should I do in case of an auto accident in Reno, NV?
In case of an auto accident in Reno, NV, first ensure your safety and the safety of others involved. Then, report the accident to the police and exchange information with the other parties. Contact your insurance provider as soon as possible to report the incident and initiate the claims process.
Can I use my auto insurance coverage outside of Reno, NV?
Most auto insurance policies provide coverage outside of Reno, NV, as long as you’re within the United States or its territories. However, it’s recommended to review your policy or consult with your insurance provider to understand the specific details of your coverage when traveling.
How often should I review my auto insurance policy in Reno, NV?
It’s a good practice to review your auto insurance policy in Reno, NV at least once a year or whenever significant changes occur in your life, such as buying a new vehicle, moving, or experiencing changes in your driving habits. Regularly reviewing your policy ensures that your coverage aligns with your current needs.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.