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The average cost of auto insurance in Reno is $ 695 per year for minimum coverage and $ 1,896 per year for full coverage auto insurance. In addition, the average Reno household owns Two cars. Auto insurance is mandatory in the state of Nevada, so household vehicle owners must have an appropriate policy to comply with state laws.

Bankrate’s insurance editorial team continually scans the insurance market to help you find the best and cheapest auto insurance companies in Reno. We have chosen to present these companies based on factors such as hedging options, prices, discounts and third party valuations. If you are looking for the best cheap auto insurance in Reno, these companies might be a good place to start.

Best Car Insurance Companies in Reno

Finding the best auto insurance in Reno isn’t just about the price. Equally important is customer service, coverage options and available discounts. That’s why Bankrate also considered JD Power’s 2021 U.S. Auto Insurance Study ratings for customer satisfaction as we researched the best Reno auto insurance companies.

In addition to customer satisfaction, we take into account factors such as available coverage options, pricing, available discounts, resources and customer support. Here’s how several Reno auto insurance companies measure up:

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 829/1000 $ 328 $ 973
At national scale Unclassified $ 409 $ 1,317
Progressive 835/1000 $ 448 $ 1,278
State farm 847/1000 $ 468 $ 1,328
United States of America* 863/1000 $ 487 $ 1,392

* USAA is considered ineligible by JD Power due to eligibility restrictions


Reno drivers on a tight budget who need the cheapest rates might want to get a car insurance quote from Geico. The carrier offers 16 discounts to everyone from college students and good drivers to those who want to take a defensive driving course to save money. In addition, Geico obtains high scores from customers when it comes to customer service and satisfaction.

Learn more: Geico Assurance review

At national scale

Nationwide might be ideal for residents of Reno with a clean driving record. The insurer offers discounts that could lower the cost of auto insurance, such as savings for being accident free and when you enroll in the Smart Ride program. Once you’ve signed up for Smart Ride, Nationwide can reduce your premiums based on your driving habits.

Learn more: National Insurance Review


Progressive adds value to its customers by offering options such as gap coverage, custom parts reimbursement and classic vehicle insurance. If you like to manage your coverage digitally, Progressive might be a good option. The carrier offers discounts for getting a quote online, buying a policy online, and subscribing to paperless documents.

Learn more: Gradual insurance review

State farm

State Farm is the largest insurance company in the country with a large customer base in Reno. In addition to inexpensive coverage and plenty of policy options, State Farm offers two safe driving programs. Steer Clear is aimed at young drivers and includes training and driving tips. Drive Safe & Save is available for all drivers wishing to register and download the app.

Learn more: State agricultural insurance review

United States

USAA is highly rated among its policyholders. Insurance provider consistently scores the most points for customer satisfaction in JD Power studies, although the USAA does not qualify for official ranking. The only downside to the USAA is its limited availability for Reno residents. You will need to be a military personnel or related to one of them to be eligible for auto insurance.

Learn more: USAA Insurance Review

The cheapest auto insurance in Reno

The average cost of auto insurance in the state of Nevada is $ 860 per year for minimum coverage and $ 2,245 per year for full coverage. Reno’s cheapest auto insurance is available from the following companies:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $ 328 $ 973
At national scale $ 409 $ 1,317
Progressive $ 448 $ 1,278
State farm $ 468 $ 1,328
United States $ 487 $ 1,392

As you can see, the cheapest companies in Reno are the same as the best companies. Each business may be better suited for a different customer. USAA is limited to military personnel and their immediate families. State Farm, Geico, Nationwide and Progressive are among the largest carriers in the country. They all offer a wide variety of coverage and discounts to tailor your policy to your needs.

State Farm is ideal for tech-driven drivers looking for a solid mobile app and telematics. Nationwide’s optional covers are ideal for Reno drivers who need personalized coverage. Geico is the most affordable and offers mechanical breakdown insurance, which many carriers do not have. Progressive may be the best solution for drivers looking to buy and manage their policies online.

Reno insurance requirements

Reno drivers must have a minimum amount of auto insurance or face a license suspension and a reinstatement fee of $ 250. Minimum coverage can be a cheap option, but it doesn’t give you as much financial protection as higher liability limits. And if you’re planning on financing a vehicle, most lenders will require full coverage.

Although it is more expensive, comprehensive coverage includes optional insurance that pays for damage to your vehicle in addition to the injuries and damage you cause to others when you are at fault.

The minimum Reno insurance requirements are:

  • $ 25,000 in bodily injury per person
  • $ 50,000 in bodily injury per accident
  • $ 20,000 in property damage per accident

Discounts on auto insurance in Reno

Some of the biggest savings on auto insurance for Reno residents are available when you sign up for telematics programs that track your driving habits, or when you bundle two or more vehicles or your home and car with one. only carrier. Other discounts that residents of Reno can access include:

  • Good student discounts: If you are a full-time student under 25 or insure a full-time student under 25, you may be eligible for a discount if you have a B average or better.
  • Vehicle safety equipment: Cars with advanced safety features such as automatic braking, side curtain airbags and anti-theft systems may qualify for a lower premium.
  • Paperless Policy: Agreeing to receive your policy documents and billing statements electronically could save you money.

Frequently Asked Questions

What is the best auto insurance company?

There are many quality car insurance companies in Reno to choose from. Before making a decision on the best carrier for you, consider factors like customer ratings, price, eligibility, and any other areas that may be relevant to you. The best option will vary depending on your personal needs.

How to get the cheapest car insurance in Reno?

The cost of your auto insurance in Reno depends on a number of factors including the company you choose, your driving history, and the coverages you purchase. To get the best price on auto insurance, shop around and get multiple auto insurance quotes. On average, the cheapest auto insurance companies in Reno are Geico, USAA, Progressive, Nationwide, and State Farm.

How much auto insurance do I need in Reno?

You will need liability coverage of at least $ 25,000 in bodily injury per person, $ 50,000 in personal injury per accident and $ 20,000 in property damage per accident. However, most insurance experts recommend purchasing higher liability limits for better financial protection. If you have a loan or lease for your vehicle, you will likely also need to purchase comprehensive and collision coverage, commonly referred to as “comprehensive coverage”.

How does auto insurance in Reno compare to the rest of Nevada?

The average cost of auto insurance in Nevada is $ 860 per year for minimum coverage and $ 2,245 per year for full coverage. In Reno, drivers pay an average of $ 695 per year for minimum coverage and $ 1,896 per year for full coverage.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:

  • $ 100,000 of civil liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should be used for comparison purposes only.

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