How Much Are Car Insurance Rates in Reno?
Nevada has premiums that are relatively consistent with the national average, as they are within 2.8% of one another. Review our ways to save on Reno car insurance and save money.
AUTO INSURANCE PREMIUMS: RENO VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Reno Car Insurance by Age Bracket
Teenage drivers have the highest rates out of all the age groups, with typical car insurance payments of $7,187. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,532. Those in their 60s ($1,556) have premiums that aren't much higher. In Reno, drivers see the greatest decline in premiums when they reach their 20s, as they save an average of $5,656 from moving out of the teenage age range. Insurance rates for drivers continue to shrink through their 50s, but they can expect a change when they hit 60.
RENO CAR INSURANCE RATES BY AGE
Reno Car Insurance After Accidents or Violations
By avoiding driving mishaps that can make your car insurance premiums spike, you can not only save yourself money, but become a safer driver. Drivers with a DUI in Reno have rates 60% greater than the city average of $1,680. Reckless driving will also drive your premiums up, with typical rates of $2,780. That is 65% higher than the city average! Do you want to increase your car insurance rates by a striking 26%? If not, watch your speed because getting pulled over for speeding by 16-20mph in Reno will trigger that uplift.
AVERAGE RENO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,412|
|At-fault Accident (damages greater than $2,000)||$2,581|
|Speeding Ticket (16-20 mph over speed limit)||$2,114|
Reno Car Insurance by Marital Status and Gender
Both gender and marital status influence your car insurance premiums in Reno. Generally, females have premiums that are 6% more expensive than those for males. You can save an average of $111 per year if you're married as opposed to single. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single.
RENO AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Reno Car Insurance by Credit Level
Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) generally pay 241% more each year on premiums than those in the top credit tier (800-850). The most significant benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately $2,250 per year.
RENO CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Level||Average Car Insurance Rate|
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
The average Renoite's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Reno
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