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Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

 & Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and

Updated May 1, 2022

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The average rate for full coverage car insurance in Reno is $1,827 per year. While this may seem expensive, it’s actually below the Nevada state average of $2,137.

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Insurance rates fluctuate city to city and driver to driver depending on a variety of factors, which is why it’s important to shop around to make sure you’re getting the best coverage for the lowest price. Policygenius can help you see options from top car insurance companies, so you can be sure you’re choosing the right policy.

Key Takeaways

  • With an average rate of $976, GEICO is the cheapest car insurance companies in Reno

  • Nevada requires drivers to have at least  $25,000 per person and $50,000 per accident in in bodily injury liability coverage and $20,000 in property damage liability coverage

  • Uninsured/underinsured motorist coverage is also required in Nevada

Cheapest car insurance companies in Reno, NV

Insurance companies calculate insurance costs by looking at your age, location, driving history, and your credit score. This information gives them an idea of how much risk they are taking by insuring a particular driver.

Since every driver is different, rates will vary from person to person, but rates can also vary widely by company, even for the same driver.


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Cheapest car insurance rates by ZIP code in Reno, NV

In bigger cities like Reno, drivers may find that insurance costs can go up or down from one neighborhood to the next. Insurance companies factor in things like crime rates, number of accidents and claims and even average repair costs in a given neighborhood.

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Choosing the right car insurance company in Reno, NV

The best car insurance company for you is the one that offers you the most coverage at the lowest rates. And the only way to find that company is to shop around and compare quotes before you buy.

Policygenius can help you understand the coverage you need and the car insurance company that offers you your best rates, so you can feel confident in your choice.

Car insurance rates for drivers with driving violations in Reno, NV

Insurers will look back into your recent history to see if you have any traffic violations or accidents. The more red flags on your driving record, the more you’ll pay for car insurance, and more serious violations can mean bigger rate increases.



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Cheapest car insurance for drivers with bad credit in Reno, NV

Insurance companies take your credit score into account when determining your insurance rates, and some companies will charge more for drivers with bad credit.


Rates for drivers with bad credit



American Access Casualty Company




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Buying car insurance in Reno, NV

Almost every state in the country has requirements for car insurance, mostly in the form of mandatory minimum coverage amounts. These requirements protect drivers from having to cover huge bills as a result of causing an accident. The minimum coverage requirements in Nevada are:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $20,000

  • Personal injury protection: Optional

  • Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident

Nevada is an at-fault, or tort state, which means whoever is responsible for the accident has to cover the damages. Without insurance (or without enough insurance), this could mean having to pay thousands of dollars in medical bills and repairs

How to get cheap car insurance in Reno, NV

Car insurance may be expensive in Reno, but there are always ways to find your best rates on car insurance:

  • Find out about discounts. Ask about bundling home and auto insurance together or taking a safe driver class to improve your rate. You can also get a discount if you keep your mileage low.

  • Shop around. Some companies will charge significantly more for driving violations or bad credit while other companies may not, so compare quotes to find your best rates.

  • Reshop yearly. Compare quotes again whenever your policy is up for renewal, so you can be sure you’re not missing out on cheaper coverage somewhere else.

Frequently asked questions

How much is car insurance per month in Nevada?

Drivers in Nevada pay an average of $2,137 per year, which breaks down to $178.08 per month. Drivers in Reno pay $152.25 per month, which is $25.83 lower than the state average.

Do I need car insurance in Nevada?

Drivers in Nevada are required by law to have liability coverage and uninsured motorist coverage. Full coverage is not required by law in Nevada, but if you have a car loan or lease you may be required by your lender to carry full coverage.

How long will a car accident stay on my driving record in NV?

In Nevada, most car accidents stay on your record for three years. However, a serious conviction (like a DUI) will stay on your record for 10 years.

Is Nevada a no fault or an at-fault insurance state?

Nevada is an at-fault state, which means that the driver who is at fault in an accident is responsible for paying the cost of damages caused by the accident.


Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.