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What is the average cost of car insurance in Reno?

Car insurance costs an average of $1,733 per year in Reno, Nevada. That's less than the average across Nevada ($1,974) and more expensive than the national average of $1,548. Our guide to Reno auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

Reno Average (annual) Nevada Average United States Average
$1,733 $1,974 $1,548

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Reno car insurance premiums by insurer

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Reno, GEICO offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Reno below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

Insurance Company Average Yearly Rate
GEICO $1,103
State Farm $1,171
Progressive $1,630
Farmers $1,751
Allstate $1,956

Consult our expert guide to finding the best cheap car insurance.

Reno car insurance premiums by age

The best age for car insurance rates as a driver in Reno is your 50s: drivers in this age group pay an average of $1,592per year. Those in their 60s don't pay much more ($1,605).

Teen drivers pay Reno's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Reno is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Reno is $4,469, the largest such difference between any two age brackets.

Age Average Annual Rate
Teenagers $6,808
20s $2,339
30s $1,716
40s $1,690
50s $1,592
60s $1,605
70s $2,065

Learn more about the impact of age on auto insurance rates.

Reno auto insurance premiums by gender and marital status

In some cases, a driver's marital status and gender may affect their car insurance rates. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Reno pay $139 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Reno, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Reno, female drivers pay $70 per year more than do male drivers for car insurance.

Gender/Marital Status Average Yearly Rate
Female $1,803
Male $1,733
Single $1,595
Married $1,595
Divorced $1,733
Widowed $1,697

Learn more about how gender and marital status have on insurance rates.

Reno auto insurance rates by citation and accident history

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Reno drivers found guilty of reckless driving face insurance rate increases of $900 per year, compared to the citywide average. A DUI violation may lead to a $796 increase, while a citation for speeding leads to a $460 rate hike.

Citation Average Annual Rate
DUI/DWI $2,529
Reckless Driving $2,633
At-fault Accident (damages less than $1,000) $2,282
At-fault Accident (damages greater than $2,000) $2,726
Speeding Ticket (16-20 mph over speed limit) $2,194

Learn more about how citations can raise your auto insurance rates.

Reno auto insurance rates by credit tier

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Reno drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 53% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Reno, moving into the "Fair" credit tier corresponds to an average of $929 in savings on insurance each year.

Credit Tier Average Rate (annual)
Very Poor $2,986
Fair $2,057
Good $1,733
Very Good $1,579
Exceptional $1,398

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Reno?

Where you live in Reno affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Reno is no exception to the rule. From ZIP code 89523 to 89431, premiums rise by 8 percent—that's $87.

Expensive Reno ZIP codes: 89557, 89512, 89501, 89502, 89431

Cheap Reno ZIP codes: 89523, 89521, 89510, 89508, 89506

Reno Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Reno, you can expect 51 rainy days with an annual rainfall of 7 inches. Reno is also known to experience thunderstorms and flash floods.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Reno

Major Highways
I-80 U.S. 50 SR 88
Public Transit

Reno Car Insurance Companies Near Me

Find Local Reno Agents

Heuer Insurance Agency, Inc.

5050 Vista Blvd Ste 101, Sparks, NV 89436

Wilkins & Associates Insurance Services, Inc.

140 W. Huffaker Lane, Ste 508, Reno, NV 89511


The average Renoite's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 189 cups of coffee or $472 in savings

See How Much You Can Save in Reno

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.