Reno, NV Car Insurance

On average, Reno drivers pay around $63 a month for their car insurance. To learn more about what you're likely to pay in the Reno area, read our guide below.
How does Reno stack up to the rest of the area, or even Nevada as a whole? What rates should residents of Reno expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Reno?

Area Average Monthly Car Insurance Premium
Reno$63
NV$99
United States$81

As you can see in the chart above, it is around $36 a month cheaper to insure your vehicle in Reno than it is in the rest of Nevada.

If you're thinking of moving to Reno from out of state, you may still be in luck. You can expect to pay about $18 less for your policy in Reno than in the rest of United States.

These may be the average auto insurance rates for Reno, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't sweat it however, we've broken down average rates for Reno residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$99
25-34$58
35-44$53
45-54Not Enough Data
55-64$48
65+$55

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates rise again once you hit retirement age in Reno.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$64

Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Reno is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$91
1 Ticket$81
Multiple Tickets$84

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Reno, having a single accident on your record will usually get you rates around $87 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $81 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$67
4-5 Years$70
6-7 Years$56
8-10 Years$68
11-14 Years$67
15 Years or Older$59

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Reno, with drivers paying around $59 per month for insurance coverage.

Cars and SUVs, on the other hand, cost about the same to insure, around $64 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Reno are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$54
Divorced$57
Widowed$55

Overall, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Reno is about $13 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$62
Live with parents$92

One other element taken into consideration is your housing status. Those who own their own home in Reno can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Reno, NV

Recent trends in car insurance for Reno drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The rates for car insurance in Reno have been mixed as of late, they rose in 2017, declined in 2019, and increased again in 2021, before finishing at $99 in 2022.

How does Reno compare to neighboring areas?

Why are car insurance rates in Reno different from other areas?

Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Local laws
  • Rate of crime
  • Road Safety (frequency of local car accidents)
  • Amount of drivers in the community
  • Availability of off-street parking

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Reno?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Reno.

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Reno Insurance FAQs

What factors affect car insurance quotes in Reno?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Reno different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Reno?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Reno?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Reno or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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