Car Insurance in Reno

Premiums in Nevada are 26% higher than the national average, which is why the state is recognized for its pricey rates. Premiums also run high in the city, so being knowledgeable about premiums while insuring a vehicle in Reno is vital. Keep some money in your pocket by following the tips below about how to save on car insurance in Reno.

  • City Average: $1,529
  • State Average: $1,802
  • National Average: $1,427

Reno Car Insurance by Gender and Marital Status

There are a variety of factors, including gender and marital status, that can come into play when determining car insurance premiums in Reno. Females have premiums that are approximately 6% more pricey than those for males. Being married, as opposed to single, can save you close to 7% per year. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single.

  • Female: $1,616
  • Male: $1,529
  • Single: $1,529
  • Married: $1,418
  • Divorced: $1,535
  • Widowed: $1,550

Reno Car Insurance by Credit Rating

Those with Very Poor credit (300-579) typically pay almost 3x as much every year for car insurance than those with Exceptional credit (800-850). Drivers can save approximately $867 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $3,562
  • Fair: $2,695
  • Good: $2,094
  • Very Good: $1,641
  • Exceptional: $1,269

Reno Car Insurance by Age

The biggest drop in premiums for Reno drivers happens when they hit their 20s. Once out of the teenage age bracket, people save an average of 68% on car insurance. The first time drivers can anticipate their age to trigger an increase in car insurance premiums is when they turn 60. Looking across all age groups, drivers in their 50s have the lowest car insurance premiums. Their rates generally average $1,386. Those in their 60s ($1,408) aren’t paying significantly more. Teenage drivers have the biggest premiums of any age group. They pay around $6,648 on car insurance premiums.

  • Teenagers: $6,648
  • 20s: $2,104
  • 30s: $1,505
  • 40s: $1,468
  • 50s: $1,386
  • 60s: $1,408
  • 70s: $1,751

Reno Car Insurance by Accident or Violation History

Do you have a history of accidents or violations? That can influence your car insurance rates. Drivers with a DUI in Reno need to spend $968 more than the city average to insure their vehicle. Reckless driving will drive your premiums up as well, with typical rates of $2,345! Do you want to increase your car insurance premiums by a striking 25%? If not, keep an eye on your speedometer because getting pulled over for speeding by 16-20mph in Reno will cause that uplift.

  • DUI: $2,497
  • Reckless Driving: $2,345
  • At-fault Accident (damages less than $1000): $2,356
  • At-fault Accident (damages greater than $2000): $2,356
  • Speeding Ticket (16-20 mph over speed limit): $1,918

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.


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

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

Not sure about Reno

Check out these other Nevada cities...

Las Vegas


North Las Vegas


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

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Reno Car Insurance

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