How Much Does Car Insurance Cost in Reno?
Premiums in Reno fall below Nevada's average by 15%, which is why the city is recognized for its inexpensive premiums, so in Reno, it is crucial to cut costs while insuring a vehicle. Let's compare car insurance costs in Reno versus premiums across the nation.
AUTO INSURANCE RATES: RENO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Reno Car Insurance by Marital Status and Gender
There are several factors, including gender and marital status, that influence car insurance premiums in Reno. Males have premiums that are nearly 5% cheaper than those for females. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single. Being married, as opposed to single, can save you close to 7% per year.
RENO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Reno Car Insurance by Credit Level
Average car insurance premiums in Reno for those with Very Poor credit (300-579) are almost 3x the premiums for those with Exceptional credit (800-850). The largest benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save around $867 per year.
RENO CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate|
Reno Car Insurance With Accidents or Violations
Do you have an accident or violation on your driving record? That may cost you in terms of car insurance premiums. No one plans on getting into an accident, but stuff happens, so be aware of how your rates can change after one. For those in Reno with at-fault accidents, $827 is, on average, the additional cost for car insurance over the city average. In Reno, drivers with a DUI have rates that exceed the city average ($1,529) by 63%. Reckless driving will drive your rates up as well, with average rates of $2,345!
AVERAGE RENO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,356|
|At-fault Accident (damages greater than $2,000)||$2,356|
|Speeding Ticket (16-20 mph over speed limit)||$1,918|
Reno Car Insurance by Age
Car insurance premiums are highest for teenage drivers, with average payments of $6,648 per year. The greatest decrease in premiums for Reno drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers save an average of $4,544 each year. While car insurance premiums for drivers in Reno will continue to shrink through their 50s, they should anticipate to pay more when they hit 60. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $1,386. However, people in their 60s ($1,408) aren’t paying significantly more.
RENO AUTO INSURANCE PRICES BY DRIVER AGE
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
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Reno Car Insurance
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