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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.

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.

Minimum Required Car 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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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.

Annual Car 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

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.

Annual Car 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

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.

Annual Car 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

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.

Annual Car 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

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.

Annual Car 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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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.

Annual Reno, Nevada Car 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

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.

Annual Car Insurance Rates After a DUI in Reno, Nevada

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.

Annual Car 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

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.

Annual Car Insurance Rates by Commute Length in Reno, Nevada

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.

Best Annual Car 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

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.

Average Annual Car 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

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

Compare Reno, NV car insurance quotes from multiple companies by entering your ZIP code now.