Who Has the Cheapest Car Insurance in Reno, NV?
Travelers has the most affordable auto insurance in Reno. A full coverage policy costs $140 per month, on average.
Compare Car Insurance Rates in Reno, NV
Who has the best cheap car insurance in Reno?
How we chose the top companies
Best and cheapest car insurance in Nevada
- Cheapest full coverage: Travelers, $140/mo
- Cheapest minimum liability: State Farm, $67/mo
- Cheapest for young drivers: Travelers, $195/mo
- Cheapest after a ticket: State Farm, $166/mo
- Cheapest after an accident: State Farm, $152/mo
- Cheapest for teens after a ticket: Travelers, $244/mo
- Cheapest after a DUI: Travelers, $204/mo
- Cheapest for poor credit: Travelers, $224/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Travelers has the cheapest full coverage car insurance in Reno, Nevada. But, the company offers middle-of-the-road customer service.
State Farm has cheap quotes for most people and also has a better customer satisfaction reputation than Travelers. However, the company charges expensive rates for drivers with DUIs or poor credit.
Who has the cheapest full coverage auto insurance in Reno?
Travelers has the cheapest full coverage car insurance in Reno, NV.
The company charges $140 per month, on average. That's about 40% cheaper than the
Reno city average.
Cheapest insurance companies
Find Cheap Auto Insurance Quotes in Reno
USAA has the second-most affordable rates in Reno, at an average of $143 per month. Plus, the company has very well rated customer service. But, you can only buy a USAA policy if you or an immediate family member are current or former military.
Cheapest full coverage car insurance in Reno
Company | Monthly rate | ||
|---|---|---|---|
| Travelers | 3.5 out of 5 | $140 | |
| State Farm | 4.5 out of 5 | $152 | |
| Progressive | 3.0 out of 5 | $201 | |
| Allstate | 3.0 out of 5 | $237 | |
| Geico | 4.0 out of 5 | $252 | |
*USAA is only available to current and former military members and their families.
Who has the cheapest minimum liability coverage in Reno?
State Farm has the most affordable minimum liability car insurance policies in Reno, Nevada. The company charges an average of $67 per month for coverage. That's roughly one-third less than the Reno city average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| State Farm | $67 |
| Travelers | $68 |
| Progressive | $79 |
| Geico | $88 |
| Allstate | $127 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Reno
What's the cheapest car insurance in Reno, NV for teens?
Travelers has the cheapest auto insurance for Reno teen drivers.
The company charges 18-year-olds in Reno an average of $393 per month for a full coverage policy. That's 43% less than the city average.
Travelers also has the most affordable minimum liability coverage for teen drivers in Reno, at $195 per month, on average. That's 39% cheaper than the city average.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $195 | $393 |
| Progressive | $227 | $629 |
| State Farm | $231 | $469 |
| Geico | $249 | $605 |
| American Family | $368 | $671 |
*USAA is only available to current and former military members and their families.
Teen drivers can save on their car insurance by sharing a policy with their parents. Other ways for teens to save include shopping around for the best rates and taking advantage of common discounts.
Who has the cheapest car insurance after a speeding ticket in Reno?
State Farm has the cheapest car insurance in Reno for drivers who've gotten a speeding ticket. The company charges an average of $166 per month for coverage. That's 43% less than the city average.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $166 |
| Travelers | $175 |
| Progressive | $263 |
| Allstate | $264 |
| Geico | $303 |
*USAA is only available to current and former military members and their families.
Who has the cheapest car insurance after an accident in Reno?
State Farm offers Reno's cheapest car insurance for drivers with a recent at-fault accident on their records. Policies cost $152 per month, on average. That's less than half the city average.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $152 |
| Travelers | $194 |
| Progressive | $295 |
| Allstate | $327 |
| Geico | $402 |
*USAA is only available to current and former military members and their families.
After a crash, you can expect to pay about one-and-a-half times as much for coverage as a Reno driver with a clean record. To save money on car insurance after an at-fault accident, it's a good idea to compare quotes from multiple companies.
Switching from the most expensive auto insurance after an accident, AAA, to the cheapest, State Farm, could save you an average of about $500 per month.
What's the cheapest car insurance for teens with a bad driving record in Reno?
Travelers has the cheapest coverage for Reno teen drivers with a speeding ticket, at an average of $244 per month. That's about one-third less than the city average.
State Farm offers the most affordable auto insurance for teen drivers in Reno who've gotten in an at-fault accident. The company charges an average of $231 per month, which is about half the city average.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $244 | $278 |
| Progressive | $251 | $261 |
| State Farm | $257 | $231 |
| Geico | $277 | $368 |
| American Family | $448 | $618 |
*USAA is only available to current and former military members and their families.
Who has the most affordable car insurance after a DUI in Reno?
Travelers has the cheapest auto insurance in Reno for drivers with a DUI. The company charges $204 per month, on average. That's about half the city average.
Cheapest Reno car insurance after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $204 |
| Progressive | $321 |
| Allstate | $324 |
| State Farm | $408 |
| Geico | $474 |
*USAA is only available to current and former military members and their families.
In Reno, a DUI raises the cost of car insurance by about two-thirds, on average. Remember that if you get a DUI, the amount you pay for car insurance won't increase until your policy renews. It's a good idea to shop around to save on car insurance after a DUI.
Who has the cheapest rates for drivers with poor credit in Reno?
Travelers sells the cheapest car insurance in Reno for drivers with bad credit, at an average of $224 per month. That's roughly half the Reno city average.
Cheap car insurance in Reno for poor credit
Company | Monthly rate |
|---|---|
| Travelers | $224 |
| Progressive | $324 |
| Geico | $388 |
| Allstate | $404 |
| American Family | $445 |
In Reno, a bad credit score can raise your monthly rate by 82%, on average. Insurance companies use credit scores when setting rates because they think drivers with poor scores file more claims than drivers with better credit.
How much does Reno car insurance cost in my neighborhood?
Downtown Reno has the most expensive auto quotes in Reno, at $242 per month, on average. The city's northern suburbs have the cheapest average rates, at $217 per month.There's a $25-per-month difference between the cheapest and most expensive neighborhoods in Reno.
Factors like theft, vandalism and traffic in a neighborhood influence the average cost of car insurance.
Full coverage quotes by Reno ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 89501 | $242 | 5% |
| 89502 | $235 | 2% |
| 89503 | $239 | 4% |
| 89506 | $230 | 0% |
| 89508 | $224 | -3% |
Frequently asked questions
What's the cheapest car insurance in Reno, Nevada?
Travelers has the cheapest car insurance in Reno, at an average of $140 per month for a full coverage policy. State Farm has the most affordable minimum liability policies in Reno, at $67 per month, on average.
What are the best car insurance companies in Reno, NV?
State Farm and AAA are the best car insurance companies in Reno for most people. Both companies have strong reputations for customer satisfaction.
USAA also offers good customer service, but you can only get a USAA policy if you or an immediate family member are current or former military.
How much is car insurance in Reno, NV?
Car insurance in Reno costs an average of $233 per month for a full coverage policy. That's about one-fifth cheaper than the Nevada state average of $287 per month.
Methodology
To find the best cheap car insurance in Reno, NV, ValuePenguin collected quotes from nine of the most popular insurance companies in Nevada. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Nevada.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
