Reno, NV Auto Insurance Rates

Reno, NV residents can save $440 by comparing multiple quotes & reading reviews & research on Reno car insurance rates, quotes, agents & coverage.

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$768 $1,100 $1,561

Latest Auto Insurance Reviews in Reno, Nevada

American Family Insurance
American Family Insurance has been wonderful as my car insurance provider. When I have needed to call for claims or roadside assistance, they are there the help me, guide me, and allow me.
State Farm
I like that they are cheaper than many of the other companies for the same service. I can auto pay which is convenient but most of all they have 24 hours customer service.
The Hartford
interaction is very flexible with the customer care we can get the vehicle service quickly
We have not had a claim and the premium goes up every year. They had the cheapest rates initially, but I doubt that they do anymore
State Farm
I love that it is so easy to get in contact with my company at any time. They have phone, online, and apps. You can make claims over my app if need be.
State Farm
From the providers that I compared, my insurance company offers the lowest premium locally by a good measure.
Write Your Review | Reno, Nevada Auto Insurance Analysis
Liberty Mutual, Reno, NV
$152/1 month
Car Insurance Policy Holder
  • Divorced 53 Years old Male licensed 24 years ago with Financed BMW 535xi GT used for Commute to Work or School with estimated annual mileage of 20,001+.
  • vocational education & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 15 K Uninsured Motorists Bodily Injury
  • 30 K Uninsured Motorists Property Damage

Low insurance rates in Reno, but above average rates in Las Vegas

As of January 2014, Nevada is the 16th least expensive auto insurance state in the United States. With an annual average insurance rate of $1341, Nevada’s rates are below the national average rate by $155. The average insurance rate in Reno is $1100, while it is $1869 in Las Vegas.

Insurance rates start at $961 in Nevada and go up to $ 2097. There is a marked difference in the insurance rates in Reno and Las Vegas. The Chevrolet Silverado, for example, has an average annual insurance rate of $961 in Reno, but $1633 in Las Vegas.

The Toyota Corolla costs an average annual insurance rate of $1014 in Reno, while in Las Vegas you would have to spend $1724 per year to insure it. The Ford F-Series too, has much lower insurance costs in Reno. In Reno, it costs an average of $1015 to insure the Ford F-Series, while it costs around $1725 in Las Vegas. The Honda Civic has an average insurance rate of $1026 in Reno, and $1744 in Las Vegas. The Honda Accord, too, is cheaper to insure in Reno by $767. It has an average annual insurance rate of $1095 in Reno, and $1862 in Las Vegas.

To insure the Nissan Altima in Reno, you would have to spend an average of $1134, and to insure it in Las Vegas you would have to spend $1927. The Honda CR-V, too, costs only $1159 to insure in Reno, and $1970 in Las Vegas. The Toyota Camry costs $1234 in Reno and $2096 in Las Vegas to insure.

The Honda Civic and Toyota Corolla, however, have much lower purchase costs in Las Vegas. You can buy a used Honda Civic in Las Vegas for a median price of $13,991, while the median price of the Honda Civic is $18,746 in Reno. The Toyota Corolla, too, has a lower median price in Las Vegas.

Reno Car Insurance Rate Comparisons

Reno, NV's average car insurance of $1100 differs from Reno Southeast (-$30), Virginia City, NV (-$80), Cold Springs, NV (+$630) and Nevada (+$241)

Reno Reno Southeast Virginia City, NV Cold Springs, NV Nevada
Median Insurance Rates $1100 -$30 -$80 +$630 +$241

Reno Car Insurance Savings By Neighborhood & Street Area

Reno Driver Street Residence & Car Locations Car Details in Reno Reno Driver Demographics Reno Auto Insurance Estimates Recent Reno Insurance Savings
Huffaker (historical)
Clearwater Dr1999 Buick Century Custom36 year married man$1,170$544
Celese Ln2007 Mazda MAZDA3 s Touring65 year male senior$1,095$999
Five Mile House (historical)
Tobiano Dr2003 Jeep Grand Cherokee Limited61 year female senior$1,134$781
Shadow Hills Dr2009 Ford Fusion SE49 year woman$964$908
Mayberry-Highland Park
Turning Leaf Way2007 Chrysler 300 Base52 year married woman$1,001$498
Juniper Trl2008 Cadillac DTS Base35 year man$1,586$720
Jumbo (historical)
Monarch Dr2012 Hyundai Sonata GLS16 year male teenager$2,588$531
Chance Ln2014 Volkswagen Jetta S71 year senior$1,209$711
Crystal Peak (historical)
Fallbrook Dr2013 Honda Civic LX16 year female teenager$2,333$349
Erminia Rd2012 Dodge Journey SXT17 year teenager$2,515$892

Reno Post DUI Car Insurance Rates

Reno North Valleys Reno Southwest East Sierra, CA Nevada
Median Post DUI Insurance Rate $2046 +$855 +$1227 +$2455 +$448
Male Teenager Post DUI Insurance Rate $5053 +$2113 +$3032 +$6064 +$1107
Female Teenager Post DUI Insurance Rate $4685 +$1958 +$2810 +$5621 +$1025

The Post DUI insurance in Reno, NV's is $2046 compared to North Valleys (+$855), Reno Southwest (+$1227), East Sierra, CA (+$2455) and Nevada (+$448)

In Reno, a male teenager with Post DUI pays $368 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2003 Jeep Grand Cherokee Limited in Reno, NV would pay $4272 on auto insurance while a female teenager POST DUI would pay $3959.

Reno Car Insurance by Segment

Reno Teenagers Car Insurance Rates Comparison

15801 Reno Teenagers (6% of total population), 51% Male & 49% Female.

Reno Sun Valley North Valleys East Sierra, CA Nevada
All Teenagers $2640 +$1776 +$1104 +$3168 +$578
Male Teenager $2717 +$1827 +$1136 +$3260 +$595
Female Teenager $2519 +$1694 +$1053 +$3022 +$551

Reno teenagers pay $2640 in insurance in contrast with Sun Valley (+$1776), North Valleys (+$1104), East Sierra, CA (+$3168) and Nevada (+$578). The difference between Male & Female teenagers in Reno is $198


  • 2012 Toyota Prius Three Male Teenager Insurance Rate $2,613
  • 2012 Lincoln MKZ Base Female Teenager Insurance Rate $2,619

Reno Men & Women Car Insurance

226305 Reno Adults (100% of total population), 51% Men & 49% Women.

Reno Sun Valley Verdi, CA Storey County Nevada
All Women $1056 +$710 +$1315 +$201 +$231
Married Women $1001 +$673 +$1246 +$191 +$219
All Men $1375 +$925 +$1712 +$262 +$301
Married Men $1232 +$828 +$1534 +$235 +$269

The typical insurance rate of $1375 that Reno Men pay varies from Sun Valley (+$925), Verdi, CA (+$1712), Storey County (+$262) and Nevada (+$301). In Reno, married men pay $231 more than married women.


  • 2014 Kia Sorento LX Married Men Insurance Rate $1,457
  • 2013 Nissan Rogue SV Married Women Insurance Rate $1,186

Reno Senior Car Insurance

39298 Reno Seniors (17% of total population), 47% Senior Men & 53% Senior Women.

Reno Sparks Sierra Brooks, CA Spanish Springs Nevada
All Seniors $1232 +$21 +$1254 -$191 +$269
Senior Men $1144 +$19 +$1164 -$177 +$250
Senior Women $1342 +$23 +$1366 -$208 +$294

Reno seniors pay $1232 in insurance compared to Sparks (+$21), Sierra Brooks, CA (+$1254), Spanish Springs (-$191) and Nevada (+$269). In Reno, senior men pay $198 less than senior women.

Reno Car Insurance Discounts for Multiple Vehicles

Reno Population with 1 Vehicle 34274 (38% of Reno population), 2 Vehicles 32281 (36% of the Reno population) and 3 vehicles 9383 (11% of the population)

Reno Lemmon Valley North Valleys Spanish Springs Nevada
2 Vehicles $2090 +$950 +$874 -$323 +$458
3 Vehicles $3190 +$1450 +$1334 -$493 +$699
4 Vehicles $4290 +$1950 +$1794 -$663 +$940

Car Insurance Agents in Reno, NV

Rank Agent Name Agent Contact
1 AAA Insurance 199 Damonte Ranch Pkwy Ste K, Reno, NV 89521
2 AAA Insurance 6795 S Virginia St Ste D, Reno, NV 89511
3 Action Auto Insurance 1100 E Plumb Ln Ste F, Reno, NV 89502
4 Aihla Jalandoni 480 S Wells Ave, Reno, NV 89502
5 AIM - Associated Insurance Managers 7025 Longley Ln Ste 60, Reno, NV 89511
6 Alpine Insurance Associates 6160 Plumas St Ste 100, Reno, NV 89519
7 Altus Insurance Group 730 Sandhill Rd Ste 310, Reno, NV 89521
8 American National Insurance Al Dennis Agent 1226 Westfield Ave, Reno, NV
9 Ardent Insurance Inc 4781 Caughlin Pkwy, Reno, NV 89519
10 Auto Insurance America 530 Kietzke Ln, Reno, NV 89502

Reno Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
GMC, Sierra 1500 SL $1,500 $1,140 $1,640 $1,080 $2,580 $-940
Chrysler, 200 Touring $1,000 $1,180 $1,680 $1,110 $2,110 $-430
Lexus, IS F $400 $1,260 $1,660 $1,180 $1,580 $80
Nissan, Juke S $500 $1,180 $1,680 $1,090 $1,590 $90
Ford, Edge SEL $100 $1,090 $1,190 $1,000 $1,100 $90