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Car Insurance Quotes in Reno, NV

Full coverage / year
$3,248
State minimum / year
$1,100
Typical quote range
$2,306 – $4,482

Full coverage car insurance in Reno, NV runs an estimated $3,248 per year — roughly $271 monthly. Rates here run roughly 8% higher than the rest of Nevada, driven by steady commuter traffic and a moderate claim frequency. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Reno, NV

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$271/ month
$3,248 per year · carriers in Reno, NV typically quote $2,306 – $4,482
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Reno, NV

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,468$206-24%Military members and families only
Geico$2,663$222-18%Usually cheapest for clean records
State Farm$2,858$238-12%Strong for young and student drivers
Progressive$3,086$257-5%Competitive after a ticket or accident
Travelers$3,151$263-3%Good multi-policy discounts
Nationwide$3,248$2710%Mid-market, wide availability
Allstate$3,703$309+14%Higher base rate, heavy discount stacking
Farmers$3,930$328+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Reno, NV. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Reno

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$8,772$2,971$731
18 years old$7,399$2,506$617
20 years old$6,127$2,075$511
22 years old$5,089$1,724$424
25 years old$3,884$1,315$324
30 years old$3,348$1,134$279
40 years old$3,147$1,066$262
50 years old$3,013$1,021$251
60 years old$2,980$1,009$248
65 years old$3,114$1,055$259
70 years old$3,415$1,157$285
75 years old$3,984$1,349$332

Estimated premiums by age in Reno, NV, clean record, sedan.

What a ticket, accident or DUI costs in Reno

Driving recordEst. annualIncrease
Clean record$3,248—
1 speeding ticket$3,994+23%
1 at-fault accident$4,774+47%
DUI / DWI$6,138+89%

What a violation costs a 35-year-old in Reno, NV. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Nevada

Every driver registering a vehicle in Nevada must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Nevada Department of Insurance.

Required coverage in NevadaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$20,000
Insurance systemAt-fault (tort)

Coverage levels compared in Reno

Coverage levelEst. annualEst. monthly
State minimum liability$1,100$92
Full coverage (100/300/100 + comp & collision)$3,248$271
Full coverage, high limits + low deductible$3,865$322

Coverage level comparison for Reno, NV.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Reno

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Reno covers 89501, 89502, 89503, 89504, 89505, 89506 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Reno, NV?
Full coverage in Reno is estimated at $3,248 a year ($271 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,100 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Nevada?
Nevada requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage. Nevada is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Reno?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Reno for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Reno?
An 18-year-old in Reno is estimated at $7,399 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Reno?
A DUI takes the estimate from $3,248 to about $6,138 a year in Reno, an increase of roughly 89%. Nevada drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Reno?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

SparksSun ValleySpanish SpringsCarson CityFernleyElkoPahrumpSummerlin South

Comparing more of Nevada? See every Nevada city we price or read the cheap car insurance guide for Reno.