Reno, NV Car Insurance

The average cost for car insurance in Reno is about $63 a month. We cover plan rates, policies and more in our guide below.
What rates should residents of Reno expect to pay for their car insurance? Compared to their surrounding area, how do rates in Reno stack up? What about against the rest of Nevada? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Reno?

Area Average Monthly Car Insurance Premium
Reno$63
NV$100
United States$80

The cost of coverage in Reno is about $37 a month cheaper than it is for the rest of Nevada.

Likewise, the expected monthly payments for an auto insurance policy in Reno are below the national average. Auto insurance coverage in Reno is about $17 cheaper than it is for the rest of the United States.

Although these are the average rates for auto insurance in Reno, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Reno and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$100
25-34$59
35-44$53
45-54Not Enough Data
55-64$48
65+$54

The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $46 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement age in Reno.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$64

In general, female drivers pay less for car insurance than their male counterparts. In Reno, although men do pay a little bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$95
1 Ticket$106
Multiple Tickets$126

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Reno with a single accident on their record will usually see rates around $87 a month. In addition, drivers with a single ticket on their record can expect to pay around $106 a month on average.

Wherever you live, 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$68
2-3 Years$68
4-5 Years$72
6-7 Years$56
8-10 Years$69
11-14 Years$68
15 Years or Older$59

The cheapest vehicles to insure in Reno are usually trucks and vans, with each type typically costing about $57 per month.

Cars and SUVs, however, usually cost about $64 for insurance.

The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Reno, the most expensive vehicles to insure 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

Generally, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Reno, with married couples paying about $13 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$61
Live with parents$92

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than homeowners in Reno. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Reno, NV

Recent trends in car insurance for Reno drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

Car insurance rates in Reno decreased from 2019-2020, before steadying out in 2021. They finished up in 2021, at $49 per month

How does Reno compare to neighboring areas?

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

Car insurance companies look at many factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Road Safety (total number of local car accidents)
  • Off-street parking availability
  • Total number of drivers in the community
  • Regional crime rates
  • Area laws

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. Knowing 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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Reno.

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Reno Insurance FAQs

What factors affect car insurance quotes in Reno?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Reno or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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