Cheapest Auto Insurance in Reno, Nevada (2025)

The overall average cost of car insurance in Reno is $139 per month, well below Nevada’s average rate of $203 per month, according to Insurify data.

Reno is home to tourist attractions comparable to larger urban centers. But its population is relatively small compared to other cities in Nevada, hence its moniker as the “biggest little city in the world.”1 This may be why drivers in Reno pay lower rates than drivers in other parts of the state.

While Reno’s rates are more affordable than Nevada’s average, you can still score additional savings on your auto insurance policy by comparing quotes from multiple insurers.

3 of the cheapest car insurance companies in Reno

The right car insurance for you will depend on your unique situation and needs. Your rates will also vary based on factors such as your age, gender, location, driving record, and more.

Best insurer for cheap rates: COUNTRY Financial

Best insurer for families: State Farm

Best insurer for accident forgiveness: Allstate

How to get the cheapest car insurance in Reno

The cheapest car insurance doesn’t always offer the best coverage for your needs. Before deciding, you should first consider various factors, such as customer service, financial stability, and coverage options.

Still, you’ll want to score a good deal on your car insurance to afford your monthly premiums. Here are some ways you can save money on your policy:3

• Compare quotes. Gather quotes from at least three reputable insurance companies. Ensure that your coverage limits are the same across the board for the most accurate comparison.

• Apply for discounts. Check your insurer’s website for the discounts you may qualify for. Many insurance companies offer discounts for bundling insurance products, being a safe driver, or being part of an affiliated group.

• Keep your risk level low. Having a clean driving record, a good credit score, and driving a safe vehicle can lower your risk profile, which may result in cheaper rates.

• Carefully evaluate coverages. You may not need all the extra coverage options an insurer offers. You can lower insurance premiums by only purchasing the coverage you require, or increasing your collision and comprehensive deductibles.

Cheapest liability-only car insurance in Reno: COUNTRY Financial

A liability-only car insurance policy covers damages and injuries that you cause to others. While this basic insurance is usually the most affordable policy a company offers, coverage excludes your medical expenses and vehicle repairs. A liability-only policy may be a good option if you own a paid-off, older, less-expensive vehicle.

Drivers in Reno pay an average of $103 per month for liability-only car insurance. Below are the average monthly liability-only car insurance rates from insurers serving the Reno area.

Cheapest full-coverage car insurance in Reno: COUNTRY Financial

Full-coverage car insurance covers your losses or damages regardless of who caused the accident by including collision and comprehensive coverage alongside liability coverage.

Though more expensive than a liability-only policy, this all-inclusive coverage may be worth the extra cost for drivers who spend considerable time behind the wheel, people who drive in high-risk areas, or people with expensive cars. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage car insurance.

Drivers in Reno pay an average of $174 per month for full-coverage car insurance. If you prioritize complete protection, the companies below offer the cheapest full-coverage rates in Reno.

Car insurance requirements in Nevada

Nevada is a tort state, meaning you must cover the other party’s injuries and damages if you’re at fault in an accident. These are the minimum liability insurance requirements in the state of Nevada:2

Car accidents can amount to thousands of dollars in car repairs, medical expenses, legal fees, and more. Your auto insurance policy steps in so you don’t have to pay out of pocket in unanticipated costs. Consider these additional coverages for more peace of mind on the road:

Cheapest car insurance in Reno for drivers with an incident

Driving incidents like at-fault accidents, speeding tickets, driving under the influence (DUI), or other moving violations may cause an increase in your auto insurance rates. Incidents indicate to insurers that you’re a risky driver, which often leads them to raise your premiums.

Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial

Getting a speeding ticket signals to insurers that you’ve engaged in risky driving. As a result, you may see a slight rise in your premiums for up to five years.

Drivers in Reno with a speeding ticket on record pay a monthly average of $121 for liability-only auto insurance and $204 for full-coverage insurance.

Drivers with a speeding ticket on their record can find car insurance with these companies in Reno.

Cheapest car insurance for drivers with an at-fault accident: COUNTRY Financial

At-fault accidents can increase your premiums dramatically. Insurers see you as higher risk, so they bump up your premiums to account for the extra liability.

Reno drivers with an at-fault accident on record pay a monthly average of $130 for liability-only auto insurance and $219 for full-coverage insurance.

If you’re in the market for car insurance, the following companies offer coverage for drivers in Reno with an at-fault accident.

Cheapest car insurance for drivers with a DUI: COUNTRY Financial

A DUI can spell severe legal and financial consequences, including expensive insurance premiums. Nevada drivers may be required to obtain an SR-22 certificate to prove they carry the minimum liability coverage.

Insurers that offer SR-22 insurance often do so at a costly rate. Reno drivers with a DUI pay monthly averages of $166 for liability-only car auto insurance and $280 for full coverage.

While coverage may be more pricey for drivers with a DUI, you can still find a policy from the insurers listed below.

Cheapest car insurance for seniors: COUNTRY Financial

In most cases, insurance rates decrease as you gain more experience on the road; but senior drivers may begin seeing their insurance bill increase in their mid-70s. The likelihood of an accident increases at age 70 due to an increased risk of getting into accidents and being seriously injured in an accident.

Drivers older than 60 pay a monthly average of $84 for liability-only insurance and $142 for full-coverage insurance. Older drivers can find car insurance policies with the following companies in Reno.

Cheapest car insurance for teens: COUNTRY Financial

With less experience on the road, young drivers are more susceptible to accidents and risky driving behavior. As a result, insurers charge teen drivers steep rates. Teenagers can stay on their parents’ insurance, drive a safe car, or take advantage of good student discounts to lower their insurance premiums.

Teen drivers in Reno pay a monthly average of $179 for liability-only insurance and $302 for full-coverage insurance. To get the best policy rates in Reno, young drivers can shop for insurance from the companies listed below.

Reno car insurance quotes by credit tier

Nevada permits insurance companies to consider your credit history when assessing and underwriting your policy.4 Generally, the better your credit score is, the less likely you are to file a claim. An excellent or good credit score can mean lower rates, while a poor credit score may result in higher rates, as illustrated in the chart below.

Is car insurance more expensive in Reno?

The overall monthly cost of car insurance in Reno is $139, which is similar to the national average of $144 but much cheaper than Nevada’s average of $203 per month. Keep in mind that your insurance premiums will vary based on the city you live in.

The population of your city can influence your insurance rates. A higher population density means more traffic and an increased likelihood of an accident. Crime rates, weather severity, frequency, and traffic laws in your city also affect the cost of your insurance policy.

More cities in Nevada

Car insurance in Reno is relatively affordable compared to other cities in Nevada. Las Vegas is considerably more expensive than Reno, likely due to its large population and high crime rate.5 Conversely, Sparks is cheaper than Reno partly because it’s less populated.