Buy Cheap Reno, NV Auto Insurance

The cheapest Reno, NV auto insurance is offered from Nationwide, although rates will vary for each driver. Auto insurance in Reno, NV must meet the state minimum requirements of 25/50/20 in liability coverage. Uninsured motorist coverage is also required, but drivers can opt-out if they wish. Compare Reno, NV car insurance quotes online to find the best deal.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 25, 2021

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A Concise Overview

  • Nationwide offers the cheapest Reno, NV auto insurance on average
  • High auto insurance rates in Nevada are partly due to theft and collisions
  • Drivers can op-out of uninsured motorist coverage but 10 percent of drivers are uninsured in Nevada

Reno, NV auto insurance is higher than the national average. Although Nevada auto insurance, in general, is higher than the national average also, drivers in Reno fall between the state and national averages.

Before you buy Reno, NV auto insurance, shop around and compare rates to find the best coverage at the price that’s right for you.

Enter your ZIP code now to compare Reno, NV auto insurance rates.

What is the cheapest auto insurance company in Reno, NV?

Although the cheapest auto insurance in Reno comes from USAA, it only offers coverage to members of the military, veterans, and their families. The company that offers the cheapest auto insurance to everyone in Reno is Nationwide.

These are the top-rated Reno, NV auto insurance companies ranked from least to most expensive:

  • USAA – $2,747.00
  • Nationwide – $3,084.63
  • GEICO – $3,569.68
  • Progressive – $3,631.66
  • Allstate – $4,306.46
  • American Family – $4,534.60
  • Travelers – $4,819.13
  • State Farm – $5,084.12
  • Farmers – $5,136.17
  • Liberty Mutual – $5,168.67

These are average rates, but there are many different factors that will affect your auto insurance rates in Reno. Factors used to calculate your rates include age, gender, marital status, driving record, and credit history.

Where you live also plays a part in your auto insurance rates. For example, although coverage in Reno is cheaper than Las Vegas car insurance, auto insurance rates in a large city will be more expensive.

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What auto insurance coverage is required in Reno, NV?

Almost every state, including Nevada, has a minimum amount of auto insurance that drivers must carry.

The minimum amount of auto insurance drivers in Reno, NV need is:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured motorist coverage

In Nevada, you can opt-out of the uninsured motorist coverage if you choose by making a statement in writing.

Drivers should consider increasing these limits as they can be exhausted quickly in a serious accident.

What affects auto insurance rates in Reno, NV?

The amount of traffic on the roads and the amount of auto theft in the area play a part in the high auto insurance rates drivers in Reno, NV face.

INRIX ranks Reno as the 133rd most congested city in the world. That means traffic is not too bad.

In fact, City-Data reports that the average commute in Reno is 20 minutes, and most drivers prefer to make that commute alone.

Auto theft can also raise auto insurance rates. According to the FBI, in one there were 1,432 motor vehicle thefts in Reno, NV.

Reno, NV Auto Insurance: The Bottom Line

Although auto insurance costs are about average, drivers still want to find affordable Reno, NV auto insurance. Shop around for the best coverage at the cheapest prices.

Enter your ZIP code now to compare Reno, NV auto insurance quotes.

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