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

Currently insured?
icon
It's free, simple and secure.

Best cheap car insurance in Reno, NV

How we chose the top companies

compare icon
7,040 quotes from 9 top companies
person icon
50+ years helping drivers save

Best and cheapest car insurance in Nevada

Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.


trophy icon

Travelers has the cheapest full coverage car insurance in Reno, Nevada. But, the company offers middle-of-the-road customer service.


desktop icon

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.


Cheapest auto insurance in Reno: Travelers

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.


Find Cheap Auto Insurance Quotes in Reno

Currently insured?
icon
It's free, simple and secure.

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 logo
Travelers
$140
State Farm logo
State Farm
$152
Progressive logo
Progressive
$201
Allstate logo
Allstate
$237
Geico logo
Geico
$252
Show All Rows

*USAA is only available to current and former military members and their families.

Cheapest minimum coverage in Reno: State Farm

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
Show All Rows

*USAA is only available to current and former military members and their families.

Find Cheap Auto Insurance Quotes in Reno

Currently insured?
icon
It's free, simple and secure.

Cheapest car insurance in Reno for teens: Travelers

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
Show All Rows

*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.


Cheapest car insurance after a speeding ticket: State Farm

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
Show All Rows

*USAA is only available to current and former military members and their families.

Cheapest car insurance after an accident: State Farm

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
Show All Rows

*USAA is only available to current and former military members and their families.

accident icon

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.

Cheapest car insurance for teens after a ticket or accident: Travelers & State Farm

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
Show All Rows

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: Travelers

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
Show All Rows

*USAA is only available to current and former military members and their families.

dui icon

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.

Cheapest rates for drivers with poor credit: Travelers

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
Show All Rows

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.


Average cost of car insurance in Reno by 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$2425%
89502$2352%
89503$2394%
89506$2300%
89508$224-3%
Show All Rows
Compare Rates

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.

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.