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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The cheapest car insurance company in Reno is COUNTRY Financial, with an average monthly premium of $39.
Reno drivers pay an average of $104 per month for liability insurance and $165 for full coverage.
State Farm, USAA, and Allstate are among our top picks for Reno car insurance.
The companies farther down are a good starting point if you’re searching for the cheapest rates, but your personal insurance costs depend on factors like your age, driving record, address, and coverage choices.
Check out the table below to see the cheapest insurers for various backgrounds and coverages, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | COUNTRY Financial | $39 |
| Full coverage | COUNTRY Financial | $50 |
| Teens | COUNTRY Financial | $61 |
| Seniors | COUNTRY Financial | $31 |
| Drivers with a speeding ticket | COUNTRY Financial | $53 |
| Drivers with an at-fault accident | COUNTRY Financial | $53 |
| Drivers with a DUI | COUNTRY Financial | $51 |
| Drivers with excellent credit | COUNTRY Financial | $35 |
| Drivers with poor credit | COUNTRY Financial | $45 |
Car insurance doesn’t have to be costly in Reno — plenty of insurance companies offer rates below the citywide average.
The following table shows the five cheapest auto insurance companies in Reno, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $39 |
| State Farm | $56 |
| USAA | $79 |
| Allstate | $101 |
| Sun Coast | $103 |
| Mercury | $108 |
| Safeco | $126 |
| Direct Auto | $129 |
| Root | $129 |
| GEICO | $137 |
| Farmers | $157 |
| Nationwide | $162 |
| Bristol West | $166 |
| Liberty Mutual | $176 |
| Travelers | $188 |
| American Family | $192 |
State-minimum coverage is the cheapest car insurance policy you can get in Reno. Though it meets Nevada’s coverage requirements, it covers only the other driver’s injuries and property damage when you cause an accident, not your own. State-minimum limits also may not be enough to protect you financially if you cause an accident, which is why most experts recommend buying more liability coverage.[1]
The average monthly premium for minimum coverage in Reno is $104. Here are the five cheapest companies for state-minimum coverage in Reno, according to our research.
Almost all states, including Nevada, require drivers to have car insurance. The minimum state requirements for liability coverage are:
$25,000 per person for bodily injury liability coverage
$50,000 per accident for bodily injury liability
$20,000 per accident for property damage liability coverage
Insurers must also offer uninsured motorist coverage at the same minimum limits — or higher if you choose higher liability limits — but you don’t have to purchase it. Nevada has some of the lowest rates of uninsured drivers in the country, with about 11.1% driving without insurance.[2] But that doesn’t mean it isn’t worth it. Uninsured motorist coverage can pay for your damages if an uninsured driver hits you.
Consider full coverage if you’re looking for a more robust policy that protects you and your vehicle. A full-coverage policy includes liability, comprehensive, and collision coverage for your car and medical payments if you get hurt in an accident. You can also include other extras, like uninsured motorist coverage and roadside assistance.
Reno’s average monthly cost for full-coverage car insurance is $165. But even with higher rates, several insurers offer premiums close to the average liability price in Reno — great news if you finance or lease your vehicle, as lenders typically require full coverage.
The chart below breaks down Reno’s five cheapest insurers for full coverage, according to our data.
Teens have far more crashes than any other age group, which is why they pay the highest rates. Distracted driving, speeding, and decision errors like failing to yield the right-of-way are common reasons teens and young drivers get into more accidents, according to AAA.[3]
Reno teens pay an average premium of $231 per month. Though rates can be expensive, you can still find good deals on auto insurance if you’re a teen driver.
Here are the five cheapest insurers in Reno for teens, according to Compare.com data.
Rates in Reno start at $58 per month.
While teens usually pay the most for car insurance, seniors often enjoy the cheapest rates of any age group. Older drivers are more cautious behind the wheel and engage in less risky driving behaviors than younger drivers, resulting in fewer accidents, which helps keep rates low for this age group.
Senior drivers in Reno pay an average monthly cost of $112. But even with low average premiums, Reno seniors can usually find an even better rate from multiple companies.
Let’s take a look at the chart below, which shows Reno’s five cheapest insurers for seniors, according to Compare.com data.
If you get a speeding ticket or DUI or if you have an at-fault accident, your car insurance rate will likely increase at your next policy renewal. Insurers consider drivers with traffic infractions and accidents on their records riskier to insure and more likely to file a claim, which drives up premiums.
The tables below show the cheapest insurers in Reno for drivers with a recent ticket, at-fault accident, or DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $53 |
| State Farm | $70 |
| USAA | $101 |
| Sun Coast | $127 |
| Allstate | $131 |
| Mercury | $150 |
| Direct Auto | $160 |
| Safeco | $165 |
| Root | $171 |
| GEICO | $178 |
| Farmers | $200 |
| Bristol West | $207 |
| Nationwide | $209 |
| Liberty Mutual | $222 |
| Travelers | $242 |
| American Family | $248 |
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $53 |
| State Farm | $73 |
| USAA | $104 |
| Sun Coast | $132 |
| Allstate | $133 |
| Mercury | $160 |
| Root | $169 |
| Direct Auto | $173 |
| Safeco | $173 |
| GEICO | $175 |
| Farmers | $206 |
| Nationwide | $214 |
| Bristol West | $215 |
| Liberty Mutual | $231 |
| Travelers | $249 |
| American Family | $253 |
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $51 |
| State Farm | $76 |
| USAA | $108 |
| Sun Coast | $130 |
| Allstate | $138 |
| Mercury | $155 |
| Direct Auto | $176 |
| Root | $178 |
| Safeco | $185 |
| GEICO | $186 |
| Farmers | $214 |
| Nationwide | $221 |
| Bristol West | $227 |
| Liberty Mutual | $240 |
| Travelers | $257 |
| American Family | $262 |
Some insurers check your credit history when calculating insurance rates. Research shows that people with a lower credit score have a higher likelihood of filing claims. Plus, those claim costs are often higher than for drivers with better credit.[4]
In Reno, the average monthly insurance rate for people with good credit is $113. In contrast, the average rate for people in Reno with poor credit is $159 per month.
Even if your credit isn’t good, you may still be able to find affordable rates. Not all insurers consider your credit history as a rating factor, and even those that do may still have cheap rates.
The tables below show the companies offering the cheapest rates for drivers in Reno with excellent credit as well as drivers with poor credit.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $35 |
| State Farm | $46 |
| USAA | $68 |
| Allstate | $86 |
| Sun Coast | $87 |
| Mercury | $90 |
| GEICO | $110 |
| Safeco | $110 |
| Direct Auto | $111 |
| Root | $112 |
| Farmers | $132 |
| Liberty Mutual | $139 |
| Nationwide | $140 |
| Bristol West | $145 |
| Travelers | $160 |
| American Family | $161 |
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $45 |
| State Farm | $79 |
| USAA | $94 |
| Allstate | $121 |
| Sun Coast | $122 |
| Mercury | $129 |
| Safeco | $151 |
| Direct Auto | $154 |
| Root | $154 |
| GEICO | $164 |
| Farmers | $188 |
| Nationwide | $194 |
| Bristol West | $199 |
| Liberty Mutual | $205 |
| American Family | $224 |
| Travelers | $225 |
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Follow the steps below to get the cheapest car insurance in Reno.[5]
Shop around. Check quotes from at least three insurers to help you find the cheapest rate.
Raise your deductible. You can lower your premium by choosing higher comprehensive and collision deductibles. Just make sure you can afford the extra out-of-pocket expense if you need to file a claim.
Maintain a clean driving record. Avoiding tickets and accidents keeps your insurance premiums lower.
Ask about discounts. Many insurers offer discounts for things like safe driving, bundling auto and homeowners insurance, and paying your premium in full.
There’s not a single “best” insurance company for everyone. The best insurer for you depends on your coverage needs, where you live, your budget, your driving record, and the make and model of your car.
We chose the following companies based on a combination of factors, including average rates in Reno, available discounts, customer ratings and reviews, and coverages offered.d
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $111/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers some of the cheapest car insurance rates on average in Reno, according to Compare.com research. It also has some of the highest customer satisfaction ratings in the industry and an A++ (Superior) AM Best rating, indicating great financial strength.
While the company doesn’t have accident forgiveness or gap coverage, it does offer a variety of discounts.
Among the lowest average rates
Many available discounts
High J.D. Power customer service satisfaction rating
No accident forgiveness
No gap coverage
Not the cheapest for drivers with infractions
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $119/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re in the Nevada Air National Guard or another branch of the military, you can get some of the lowest insurance rates through USAA.
USAA also has an A++ (Superior) AM Best rating and the highest customer satisfaction rating of any insurer ranked in the J.D. Power customer satisfaction study.
But instead of local agents, the company relies on digital tools.
Superior financial strength rating
Very low rates
Highest J.D. Power customer satisfaction rating
Limited to military members, veterans, and their families
No local agents
Mixed customer reviews
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $199/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $241/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
While GEICO’s rates may not be the cheapest, they’re still affordable.
Among GEICO’s many discounts, you can also save money if you’re a federal employee, are a military member, or drive a car that’s less than three years old.
Although AM Best gives GEICO an A++ (Superior) rating for financial strength, the company has a below-average claims satisfaction rating.
Telematics program can save you money
Plenty of available discounts
Highly rated mobile app
Hit-or-miss customer service
Below-average J.D. Power claims satisfaction
No rideshare coverage
Answers to the following commonly asked questions can provide more information on Reno auto insurance.
Car insurance in Reno costs an average of $134 per month, according to Compare.com data. Liability-only rates average $104, while full-coverage policies cost an average of $165 per month.
COUNTRY Financial is the cheapest auto insurance company in Reno, averaging $39 per month, according to our data.
There’s no one “best” car insurance company in Reno, but our top recommendations include GEICO, USAA, and State Farm.
Several factors affect car insurance premiums, including your ZIP code, driving and claims history, age, and coverage choices. Reno drivers pay a monthly average of $134 for auto insurance, according to our research. The national average rate is $136 per month.
No. In Reno, state-minimum coverage usually isn’t enough. For example, if you have only state-minimum coverage and cause an accident involving several vehicles, your insurance would pay a maximum of $20,000 for property damage. And if several people are hurt in the accident, your insurance would pay no more than $50,000 for their medical expenses. If any costs go above these figures, you’d be responsible for paying the remainder of the damages out of pocket.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.