Affordable Car Insurance Rates in Reno, NV (2021)
Car insurance rates in Reno, NV are $351/month on average. By law, Nevada drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Reno car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- The cheapest car insurance company in Reno for teen drivers is USAA
- The annual number of car thefts in Reno is 1,050.
- Average car insurance rates in Reno, NV for senior drivers are $2,310/year
Average car insurance rates in Reno, Nevada are $351 a month. But with a little research you can get a great deal from the top car insurance companies in Reno, NV. Before you buy Reno, Nevada car insurance, make sure your coverage meets or exceeds the Nevada minimum of 25/50/20.
It may even be helpful to compare Reno car insurance rates with Sparks car insurance rates, Henderson car insurance rates, or Las Vegas car insurance rates to make sure you’re getting the best Reno, NV car insurance quotes available.
Need affordable Reno, NV car insurance? Enter your ZIP code to compare Reno car insurance quotes from multiple car insurance companies near you.
Table of Contents
Reno, NV Minimum Car Insurance Coverage
Reno, Nevada law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| 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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Reno, NV Car Insurance Rates by Coverage Level
Some Reno drivers can get by with the Nevada minimum coverage of 25/50/20. Other drivers may need more. See how much your Reno, Nevada car insurance rates may be based on the coverage you need.
| 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 |
Reno, NV Car Insurance Rates by Age, Gender, and Marital Status
Reno, Nevada car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Reno, NV car insurance, get quotes from multiple car insurance companies in the Reno area and see how these criteria affect your rates.
| 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 |
Reno, NV Car Insurance Rates for Teens
How much is Reno, Nevada car insurance for teens? Compare rates from top Reno car insurance companies below to help find the cheapest teen car insurance in Reno, NV.
| 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 |
Reno, NV Car Insurance Rates for Seniors
Before seniors buy Reno, Nevada car insurance, they should make sure to shop around. Some Reno, NV car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Reno, NV Car Insurance Rates by Credit History
How does your credit history affect Reno, NV car insurance rates? Review the numbers here to find out.
| 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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Reno, NV Car Insurance Rates by Driver History
How does a single speeding ticket affect your Reno, Nevada car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Reno.
| 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 |
Reno, NV Car Insurance Rates With a DUI
Even a single DUI can increase your Reno, NV car insurance rates. Compare rates below to see which Reno car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car 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 |
Reno, NV Car Insurance Rates by ZIP Code
Just like Reno car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Reno, NV car insurance rates fluctuate by ZIP code.
| 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 |
Reno, NV Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Reno, NV car insurance rates may be. Let’s take a look at average car insurance rates from top Reno companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
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Reno, NV Cheapest Car Insurance Rates
How do the top Reno, Nevada car insurance companies’ average rates stack up against the Reno average monthly car insurance rates of $351? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
Reno, NV Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Reno, Nevada car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Reno, NV Car Insurance Rates
Before you buy Reno, Nevada car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Reno, NV Car Theft Rates
The car theft rate in Reno, NV will affect your car insurance rates. FBI data shows that the annual car theft rate for Reno, Nevada is 1,050 stolen cars.
Reno, NV Commute Time
How does your Reno, NV commute time compare with the average driver? In Reno, the average commute is 20.3 minutes.
Reno, NV Traffic
Spending time in Reno traffic can lead to higher car insurance rates. According to INRIX data, Reno, NV ranks as the 782nd-most congested with traffic in the world.
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Reno, NV Car Insurance Quotes
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