Best Cheap Auto Insurance in Reno, NV (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Reno, Nevada

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Reno, Nevada

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.

Annual Reno, Nevada Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Reno, Nevada

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.

Annual Auto Insurance Rates by Credit Score in Reno, Nevada

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.

Annual Auto Insurance Rates by ZIP Code in Reno, Nevada

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.

Annual Auto Insurance Rates by Commute Length in Reno, Nevada

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.

Annual Auto Insurance Rates by Coverage Level in Reno, Nevada

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.

Best Annual Auto Insurance Rates by Company in Reno, Nevada

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.

Average Annual Auto Insurance Rates by Company in Reno, Nevada

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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