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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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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
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Table of contents
Reno drivers pay an average monthly car insurance premium of $154, according to our data. Its lower population density may be why the city’s rates are lower than Nevada’s statewide average.[1]
That said, many insurance companies offer rates well below the citywide average, like COUNTRY Financial, State Farm, and GEICO. COUNTRY Financial offers the cheapest average liability insurance rate, at $22.
We analyzed the data to find the cheapest insurers in Reno for various driver types. We’ll also provide tips to help you pick the right company and save on car insurance in the “Biggest Little City in the World.”[2]
The cheapest car insurance company in Reno is COUNTRY Financial, with an average monthly premium of $22.
Reno drivers pay an average of $110 per month for liability insurance and $198 for full coverage.
Nevada requires a minimum of 25/50/20 auto liability insurance, and insurers must offer uninsured/underinsured motorist coverage with the same limits, but you can decline this coverage.[3]
The Cheapest Car Insurance Companies in Reno, Nevada
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 | $22 |
State Farm | $33 |
GEICO | $39 |
USAA | $45 |
Allstate | $58 |
Farmers | $90 |
Mercury | $93 |
Nationwide | $93 |
Safeco | $96 |
Sun Coast | $99 |
Root | $105 |
Travelers | $108 |
American Family | $110 |
Direct Auto | $111 |
Dairyland | $126 |
Progressive | $130 |
Liberty Mutual | $162 |
Bristol West | $171 |
COUNTRY Financial is the cheapest car insurance company in Reno, with rates averaging $22 per month.
Next, we’ll take a look at the cheapest rates based on the top rating factors, including driving record and coverage type.
Cheapest Car Insurance in Reno by Driver and Coverage Type
The above companies 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/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
---|---|---|
State-minimum coverage | COUNTRY Financial | $22 |
Full coverage | COUNTRY Financial | $35 |
Teens | COUNTRY Financial | $34 |
Seniors | COUNTRY Financial | $18 |
Drivers with a speeding ticket | COUNTRY Financial | $28 |
Drivers with an at-fault accident | COUNTRY Financial | $31 |
Drivers with a DUI | COUNTRY Financial | $36 |
Drivers with excellent credit | COUNTRY Financial | $21 |
Drivers with poor credit | COUNTRY Financial | $27 |
We break down rates for each driver and coverage type in the following sections.
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.[4]
The average monthly premium for minimum coverage in Reno is $110. Here are the five cheapest companies for state-minimum coverage in Reno, according to our research.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $198. 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.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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.[5]
Reno teens pay an average premium of $289 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.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $119. 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.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.If you get a speeding ticket, your car insurance rate will likely increase at your next policy renewal. Insurers consider drivers with traffic violations and accidents riskier to insure and more likely to file a claim, which drives up premiums. Our research shows that a single speeding ticket can cause a national average rate increase of 29%.
The average cost of auto insurance in Reno with a speeding ticket is $200, according to our data. But several insurers offer lower rates.
The chart below shows Reno’s five cheapest insurers for drivers with a recent ticket, according to Compare.com data.
Average Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.If you cause an accident, you could see a substantial rate increase — even more than if you get a ticket. Our research shows that a single at-fault accident raises average auto insurance premiums by 33% nationally.
The average car insurance cost for Reno drivers with a recent accident is $220 per month, according to our data.
But if you’re looking for a better deal, check out the chart below. It shows the five cheapest auto insurers in Reno for drivers with a recent at-fault accident, according to Compare.com data.
Average Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.A severe infraction, like a DUI, can cause car insurance rates to skyrocket. Our research shows that nationally, insurance premiums increase by a staggering 58% after a DUI conviction.
Reno drivers pay an average monthly cost of $251 after a DUI conviction, according to our data. But that doesn’t mean you’re stuck with sky-high rates.
The five companies in the chart below have the cheapest average rates for drivers in Reno with a DUI conviction, according to Compare.com data.
Average Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Some car insurance companies check your credit history when calculating insurance rates. Research shows that people with a lower credit score have a higher risk of filing claims and their average claim cost is higher than for drivers with better credit.[6] To illustrate this, we found that drivers with poor credit pay 38% more for auto insurance than people with excellent credit scores.
Drivers with poor credit pay an average monthly premium of $194 in Reno, according to our data. But not all companies use credit as a rating factor, and those that do may still offer affordable rates, even if you have bad credit.
Here are Reno’s five cheapest insurers for people with poor credit, according to Compare.com data.
Average Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Nevada Auto Insurance Requirements
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 8.8% driving without insurance.[7] But that doesn’t mean it isn’t worth it. Uninsured motorist coverage can pay for your damages if an uninsured driver hits you.
Most insurance experts recommend higher liability limits than your state requires to protect your finances in an accident. If you cause injuries or property damage that exceeds your policy limits, you could be on the hook financially to cover it.
Lenders and leasing companies also require comprehensive and collision coverage if you finance or lease your vehicle. You should also consider gap insurance if you make a small down payment or owe more than your car’s worth. It can pay the difference if you total your vehicle and still have a balance.
Reno Auto Insurance FAQs
We answered common questions people ask about Reno car insurance.
How much is car insurance in Reno?
Car insurance in Reno costs an average of $154 per month, according to Compare.com data. Liability-only rates average $110, while full-coverage policies cost an average of $198 per month.
What’s the cheapest auto insurance company in Reno?
COUNTRY Financial is the cheapest auto insurance company in Reno, averaging $22 per month, according to our data.
Is car insurance in Reno expensive?
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 $154 for auto insurance, according to our research. The national average rate is $150 per month.
Methodology
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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Sources
- Cubit Planning. "Nevada Cities by Population (2025)."
- City of Reno. "Reno's Historical Markers."
- Nevada Division of Insurance. "Higher minimum vehicle liability requirements."
- III. "How much auto coverage do I need?."
- AAA Foundation for Traffic Safety. "Using Naturalistic Driving Data to Assess the Prevalence of Environmental Factors and Driver Behaviors in Teen Driver Crashes."
- Nevada Division of Insurance. "Credit Scoring FAQs."
- III. "Facts + Statistics: Uninsured motorists."
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Learn more about us, our team, and what makes us tick.
)
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.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.