Vehicle Insurance

Best Cheap Car Insurance in Reno

There are over 2 million licensed drivers in Nevada. Although Reno’s population is less than 250,000 residents, the average household in the city owns two cars. The average cost of car insurance in the state is comparatively higher at $709 for minimum and $2,058 for full insurance. We’ve compiled the best cheap car insurance in Reno based on customer reviews, pricing by carrier and financial strength to help you save.

Best car insurance companies in Reno

The following five carriers provide the cheapest car insurance Reno prices. There’s more to finding the best car insurance Reno company than price — knowing the provider you choose will pay out after an accident without too much hassle can be just as important as the cost of insurance. That’s why Bankrate also looked at ratings from J.D. Power’s customer satisfaction study before choosing the top car insurance Reno companies. Here’s how they measure up:

Insurance company J.D. Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 834 / 1,000 $328 $973
Nationwide 786 / 1,000 $409 $1,317
Progressive 803 / 1,000 $448 $1,278
State Farm 826 / 1,000 $468 $1,328
USAA 876 / 1,000 $487 $1,392


Drivers on a tight budget in need of the cheapest rates should get a car insurance quote for Reno from Geico. The carrier has 16 discounts available for everyone from students to good drivers to those willing to pass a defensive driver course to save money. In fact, Geico claims you can save $500 or more in 15 minutes when you get a quote to switch.

In addition, Geico scores high with customers when it comes to service. The company earned a score of 834 in the J.D. Power study, ranking them second behind USAA.


Nationwide is ideal for Reno residents with a clean driving record. The insurer offers discounts that could reduce the cost of car insurance, such as 10{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} off for being accident-free and up to 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} off when you enroll in the Smart Ride program. Once you’ve signed up for Smart Ride, Nationwide will lower your premiums by 10{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb}, plus you could earn another 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} for safe driving.


The best car insurance Reno isn’t always the cheapest. In the case of Progressive, average quotes do place the company in the top five of best cheap car insurance in Reno, but there’s more to the carrier than price. Progressive Insurance adds value by providing customers with more options, such as gap coverage, custom parts reimbursement and classic vehicle insurance.

State Farm

State Farm is the largest insurance company in the company and has a big customer base in Reno. Besides cheap coverage and plenty of options, the reason car insurance is less expensive than other competitors is the two telematics programs offered.

Some insurers provide one program to track your driving and base your premiums on how safely you drive. State Farm offers two — the Steer Clear app is geared towards young drivers and includes training and driving tips. Drive Safe & Save is available for all drivers willing to enroll and download the app.


USAA is highly rated among its policyholders. The insurance provider consistently ranks as #1 in customer satisfaction in J.D. Power’s studies. The only drawback to USAA is its limited availability to Reno residents. You’ll need to be military personnel or related to one to qualify for auto insurance.

Cheapest car insurance in Reno

The average cost of car insurance in the state of Nevada is $709 for minimum coverage and $2,058 for full insurance. Reno’s cheapest car insurance is available from the following companies:

Insurance company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $328 $973
Nationwide $409 $1,317
Progressive $448 $1,278
State Farm $468 $1,328
USAA $487 $1,392

USAA is limited to qualifying military personnel and family. State Farm, Geico, Nationwide and Progressive are among the largest carriers in the country. They all offer a wide range of coverage and discounts for the best car insurance Reno availability.

If you had to differentiate one from the other, State Farm is best for tech-focused drivers looking for a solid mobile app and telematics. Nationwide’s optional coverages are ideal for Reno drivers in need of custom coverage. Geico is the most affordable and offers mechanical breakdown insurance, which many carriers don’t have. Progressive is cheapest for drivers with good credit and a clean driving record.

Reno insurance requirements

Reno drivers must have a minimum amount of car insurance or face license suspension and a reinstatement fee of $251. Most drivers starting out may choose minimum coverage since it’s the cheapest, but if you plan on financing a vehicle, most lenders will require full coverage.

Although it’s more expensive, full coverage includes optional insurance that pays for damages to your vehicle in addition to the injuries and damages you cause others when you’re at fault. Reno minimum insurance requirements are:

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

Car insurance discounts in Reno

The largest savings in car insurance for Reno residents is available when you enroll in telematics that track your driving habits or bundle at least two vehicles or your home and car with one carrier. Other discounts Reno residents may have access to include:

  • Good student discounts
  • Defensive driving courses
  • Vehicle safety equipment
  • Anti-theft system

Frequently asked questions

What is the best car insurance company?

There are many quality car insurance companies to choose from. Based on customer ratings and price, USAA may be the best car insurance company for those who are eligible. However, the best option will depend on your needs.

How much does car insurance in Reno cost?

The cost of car insurance in Reno depends on the carrier. To get the best price on vehicle insurance, shop around and get several car insurance quotes Reno. The cheapest car insurance Reno carriers worth comparing include Geico, USAA, Progressive, Nationwide and State Farm.

How much car insurance do I need in Reno?

You’ll need liability coverage of at least $25,000 in bodily injury per person, $50,000 in bodily injury per accident and $20,000 in property damage per accident.

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

The average cost of car insurance in Nevada is $709 for minimum and $2,058 for full coverage. Geico, the cheapest car insurance Reno carrier, has an average rate of $328 for minimum and $973 for full car insurance.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.