How to find the cheapest car insurance quotes in Reno
With plenty of car insurance companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to shop around and compare car insurance quotes before committing to a policy so you can guarantee you’re not overpaying.
With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Reno drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $159 | 33 | 89503 | Ford Expedition | State Minimum | No |
| Progressive | $48 | 49 | 89506 | Jeep Patriot Sport | State Minimum | No |
| Progressive | $127 | 36 | 89502 | Subaru Forester 2.5X Premium | State Minimum | No |
| Progressive | $167 | 26 | 89521 | Subaru Crosstrek Limited | State Minimum | Yes |
| Mendota | $131 | 33 | 89508 | Ford Fusion Se Hybrid | State Minimum | No |
Best car insurance companies in Reno
If you’re a Reno driver looking for the best auto insurance companies, you’re in the right place. Jerry conducted one of the largest national insurance shopping surveys to find the best providers for Reno drivers—and we’re ready to share the results!
The study found no single “best” or “cheapest” provider for every Reno driver, since rates vary so widely from one driver to the next. State Farm, Allstate, and Progressive insurance in Reno, NV dominate the insurance market in Reno—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.
Take a look at how Reno drivers ranked major insurance companies below, and how their insurance rates stack up against one another.
| Insurance Company | Overall Jerry rating | Average annual cost for full coverage | Average annual cost for minimum coverage |
|---|---|---|---|
| Progressive | 4.2 | $1,995 | $888 |
| Sun Coast General | 4.0 | $1,095 | $408 |
| Dairyland | 4.3 | $1,490 | $685 |
| Mercury | 4.3 | $1,390 | $681 |
| AAA | 4.2 | $1,423 | $942 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Reno
All drivers in Reno must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase full-coverage auto insurance for better protection.
Cheap minimum liability insurance quotes in Reno
Nevada’s minimum car insurance requirements follow a 25/50/20 pattern. Here’s a breakdown of what every Reno driver must have:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Do you need more than minimum coverage in Reno?
In Reno, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.
If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.
Remember, Nevada’s car insurance laws allow Reno drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.
Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Reno.
The bottom line: Drivers in Reno should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.
Cheap full coverage car insurance quotes in Reno
Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Reno!
If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus comprehensive and collision coverage.
Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects
Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object
And if you’re financing or leasing a car, your lender will require this.
Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.
While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Reno for the coverage you want.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | Progressive | $159 | 33 | 89503 | Ford Expedition |
| State Minimum | No | Progressive | $48 | 49 | 89506 | Jeep Patriot Sport |
| State Minimum | No | Progressive | $127 | 36 | 89502 | Subaru Forester 2.5X Premium |
| State Minimum | Yes | Progressive | $167 | 26 | 89521 | Subaru Crosstrek Limited |
| State Minimum | No | Mendota | $131 | 33 | 89508 | Ford Fusion Se Hybrid |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Reno
After analyzing scores of insurance providers in Reno, we have discovered that the average price for minimum liability coverage amounts to be $121 per month or $1,457 per year. Additionally, residents of Reno can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.
While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Reno by zip code
The cost of car insurance in Reno can greatly differ depending on your specific zip code. Each individual zip code within Reno has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 89501 | $84 | $165 |
| 89502 | $77 | $194 |
| 89503 | $84 | $183 |
| 89506 | $92 | $183 |
| 89509 | $65 | $140 |
| 89511 | $112 | $172 |
| 89512 | $86 | $245 |
| 89521 | $71 | $176 |
| 89523 | $78 | $159 |
Car insurance quotes in Reno by rating factors
Insurance companies in Reno use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
Cheap car insurance quotes in Reno after driving violations
Driver violation points have a significant impact on car insurance rates—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure high-risk drivers in Reno. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big violations like a DUI or reckless driving.
Here’s how to find cheap car insurance in Reno with driving violations on your record.
Cheapest car insurance in Reno after speeding ticket
If you’re a Reno driver who has received a speeding ticket, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.
Here’s what we mean:
The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.
- 5 mph over the speed limit: $100 fine + 1 point added
- 10 mph over the speed limit: $200 fine + 2 points added
- 15 mph over the speed limit: $300 fine + 2 points added
- 20 mph over the speed limit: $400 fine + 3 points added
- 21+ mph over the speed limit: $420+ fine + 4 points added
That said, the amount of your fine will depend on several factors, including:
- Any previous speeding tickets
- Where you were speeding (work or school zone)
- How fast you were going
Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.
The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.
Regardless of the violation, Jerry helps Reno drivers find affordable rates with great insurance companies.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Mendota | $176 | 53 | 89502 | Subaru Outback 2.5I Limited | State Minimum | Yes |
| Speeding Violation-Major | Bristol West | $139 | 37 | 89503 | Lexus Is 250 | State Minimum | Yes |
| Speeding Violation-Minor | Mendota | $303 | 46 | 89509 | Ford F-150 | 50/100 | Yes |
| Speeding Violation-Major | Progressive | $147 | 20 | 89501 | Toyota Camry | State Minimum | Yes |
| Speeding 1-5 | Progressive | $196 | 63 | 89503 | Infiniti Q60 Red Sport 400 | State Minimum | Yes |
Cheapest car insurance in Reno after DUI
In Reno, you’re subject to Nevada DUI laws, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.
If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.
Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.
On average, drivers with a DUI pay 56% more for car insurance than drivers without one.
Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Reno drivers with major convictions land affordable insurance.
Cheapest car insurance in Reno after an at-fault accident
A clean driving record is one of the best things a Reno driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim.
If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.
But it’s not all bad news—work to eliminate the accidents on your record (and keep a clean driving record in the meantime) while Jerry helps you find an affordable policy.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Mendota | $131 | 33 | 89508 | Ford Fusion Se Hybrid | State Minimum | No |
| At Fault With No Injury | Progressive | $158 | 51 | 89502 | Honda Accord Ex | State Minimum | No |
| At Fault With No Injury | Bristol West | $726 | 50 | 89506 | Audi A7 Premium Plus | State Minimum | Yes |
| At Fault With No Injury | Progressive | $174 | 20 | 89502 | Acura Integra Ls | State Minimum | Yes |
| Not At Fault | Progressive | $59 | 83 | 89511 | Chevrolet Silverado C1500 Lt | State Minimum | No |
Cheapest car insurance in Reno after other driving violations
As a Reno driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.
If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates in Reno.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| DUI | Mendota | $88 | 34 | 89502 | Toyota 4Runner Limited | State Minimum | No |
| Failure to Obey Signal | Mendota | $215 | 33 | 89501 | Nissan Juke S | State Minimum | Yes |
| Cell Phone | Mendota | $58 | 45 | 89509 | Subaru Legacy 2.5I Premium | State Minimum | No |
| DUI | Progressive | $286 | 33 | 89502 | Subaru Wrx | State Minimum | Yes |
| DUI | Bristol West | $719 | 25 | 89509 | Nissan Pathfinder S | 50/100 | Yes |
Cheap car insurance quotes in Reno by age
In Reno, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.
For teens and seniors in Reno, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.
Cheapest car insurance in Reno for young drivers
Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Reno. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.
If you’re a new driver in Reno without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash.
Cheapest car insurance in Reno for senior drivers
On the other end of the spectrum, we have Reno drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.
GEICO seems to lead the race for the best car insurance for seniors in Reno, but using a comparison app to check out other quotes is still a good idea.
Cheap car insurance quotes in Reno based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Cheap car insurance quotes in Reno for drivers with poor credit
While having a low credit score doesn’t necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Progressive | $159 | 33 | 89503 | Ford Expedition | State Minimum | No |
| 750+ | Progressive | $48 | 49 | 89506 | Jeep Patriot Sport | State Minimum | No |
| 550-659 | Progressive | $127 | 36 | 89502 | Subaru Forester 2.5X Premium | State Minimum | No |
| 550-659 | Progressive | $167 | 26 | 89521 | Subaru Crosstrek Limited | State Minimum | Yes |
| 550-659 | Progressive | $158 | 51 | 89502 | Honda Accord Ex | State Minimum | No |
Cheap car insurance quotes in Reno for popular cars
The make and model of your car matter a lot to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safer a Reno driver’s car is, the lower the insurance cost will be.
But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.
In Reno, these are some of the most popular and affordable models to insure:
- Honda Accord
- Ford F-150
- Toyota RAV4
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Honda Accord Ex | Progressive | $158 | 51 | 89502 | State Minimum | No |
| Ford F-150 | Mendota | $303 | 46 | 89509 | 50/100 | Yes |
| Honda Accord Lx | Mendota | $113 | 40 | 89523 | State Minimum | Yes |
| Ford F-150 | Progressive | $200 | 31 | 89502 | State Minimum | No |
| Honda Accord Sport | Progressive | $66 | 70 | 89509 | State Minimum | No |
How to lower car insurance costs in Reno
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts: Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
- Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts: Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
-
How much is car insurance in Reno?
-
What is the cheapest car insurance in Reno?
-
What is the best car insurance in Reno?
-
What is the minimum car insurance in Reno, Nevada?
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
