Best Car Insurance Rates in Reno, Nevada

On average, your neighbors pay $82 a month.

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Reno is the Biggest Little City in the World. Are you a Reno driver looking for car insurance? This page covers Reno’s car insurance laws, companies, and rates.

Average Nevada Car Insurance Rates

How much does car insurance in Reno, NV cost? Car insurance rates here are more expensive than most of the country. You can thank the high number of uninsured motorists, drunk drivers, car prowlers, and lawyers the next time you're writing a check to your insurance company.

The average cost of car insurance in Nevada is $985.39 per year. The national average annual cost is $889.01. On average, Nevada drivers pay 11% more for auto insurance than the average American.

Your prices may vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

Nevada Average Annual Car Insurance Rates
Coverage Rates
Liability $681.56
Collision $303.86
Comprehensive $117.63
Total Cost Per Year $985.39
Price Per Month $82.11
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Nevada's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the Insurance Information Institute, Nevada's car insurance rates increased from $904 in 2011 to $985 in 2015, a jump of $80, or 8.89 percent.

Nevada average car insurance rates

You need auto insurance. This doesn’t mean you should go with the first policy you find.

QuoteWizard helps consumers compare quotes from national insurance companies. Comparing quotes can help you find cheap car insurance rates near Reno, Nevada and save up to 40% on your premium.

Last year, 8,785 people used QuoteWizard to compare car insurance quotes in Reno, Nevada from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Reno, NV

These are the most popular car insurance companies reported by QuoteWizard users in Reno, Nevada last year. Of those people 2,245 were uninsured when they requested a quote.

Top 10 Vehicles in Reno

These are the most popular car makes and models owned by Reno, NV QuoteWizard users.

  1. Jeep Grand Cherokee Laredo/Limited
  2. Ford F-150
  3. Ford Explorer
  4. Honda Accord LX/EX
  5. Toyota Camry LE
  6. Ford Focus SE
  7. Honda Civic LX/EX
  8. Toyota Rav4
  9. Toyota Prius
  10. Ford Ranger

Minimum Car Insurance Requirements in Reno, NV

Reno, Nevada requires all its drivers to carry certain minimum liability coverage. The minimum is 25/50/20. This means your policy must include: 

  • Individual Bodily Injury Liability (BIL): $25,000
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $50,000
    The total your insurer pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000
    The maximum your insurer pays for property damage caused by a car accident.

Recommended Coverage Levels

Relying only on minimum coverage can lead to huge problems. Minimum coverage doesn’t include collision or comprehensive coverage. If your policy is inadequate, one accident can cost you a lot.

To make sure you have good coverage, we recommend the following: 

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Driving Conditions

Weather, road conditions, and traffic can factor into your insurance rates. The riskier your driving conditions, the higher your premium.


Reno has an average annual snowfall of 24 inches, just below the national average of 26 inches. Snow brings slick roads and impaired vision, leading to a spike in crashes.

Reno’s snowfall season is long. Make sure your car is prepared for it to avoid accidents

Road Conditions

Nevada highways have fallen short in their required upkeep over the past few years, and current funding levels can only maintain 60 to 70 percent of the required work needed. Bad road conditions can raise insurance rates for everyone.

Traffic Congestion

The average commute time in Reno is 18.7 minutes. This is 26.3 percent below the national average of 25.4 minutes.

Moving Violations

Tickets and accidents will increase your rates. If you’ve had many citations, you could need to buy high-risk insurance. It’s extremely expensive, and some insurers refuse to offer it.

Traffic Tickets

The Reno Police Department take traffic violations very seriously. Too many citations lead to higher insurance rates. Tickets can cost you time and money. Be aware of how fast you’re going always.

DUI and DWAI Arrests

If you are arrested for a DUI in Reno you can face jail time, $1,000 in fines, and probation for up to three years.

On top of these risks and the risks to your own health, DUIs will increase your rates. Our study shows that drivers with DUIs pay an extra $830 per year for car insurance. 

SR-22 DUI/DWAI Insurance

Nevada requires you to fill out an SR-22 form as proof of financial responsibility in the event of a DUI. State law requires that an SR-22 be carried for three years after the end of the license suspension. The SR-22 must have the following minimum coverage:

  • $15,000 injury liability for one person
  • $30,000 injury liability for two or more people
  • $10,000 for property damage

Needing an SR-22 usually leads to an increase in your car insurance rates.

Car Accident Statistics

Living in an area with a high accident rate comes with higher insurance costs. The Nevada Department of Public Safety reports 1,334 auto crashes involving serious injuries in 2015. This is a 10.6 percent increase from 1,206 injuries in 2015.

Insurers calculate high-risk routes in the area when figuring your premiums. Driving carefully helps everyone’s rates.

Traffic Fatalities

Reno takes part in Nevada’s Zero Fatalities program in an effort to reduce deaths on the road. Reno Police Department reported four car crash fatalities in 2015.

Vehicle Theft Rates

Areas with many car thefts have higher car insurance rates. That’s especially true for people who drive a commonly-stolen car. Reno reported 1,344 auto thefts in 2016. This is a 31.6 percent increase over 1,021 auto thefts reported in 2015.

Car Insurance Discounts in Reno

Looking to save money on your car insurance in Reno? There are many discount options available to lower your premiums:

  1. Do you have more than one car? See if your insurer provides a multiple car discount
  2. Install up-to-date safety features and anti-theft devices your vehicle.
  3. Shop around and compare car insurance rates in Reno.
  4. Take a certified defensive driving course 
  5. Safe driving with a clean record can add up to lower rates
  6. Bundle your car insurance with your home or renters insurance. It can cut up to 15 percent off your total bill 
  7. Are you married? Insurers may offer discounts to married couples 
  8. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  9. If you live in a safe neighborhood in Reno, you could save money 
  10. If you’re 55 or over, see if a senior citizens discount is available LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.