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 AverageState AverageNational Average
$1,680$1,614$1,569


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
AgeAverage Rate
Teenagers$7,187
20s$2,308
30s$1,654
40s$1,619
50s$1,532
60s$1,556
70s$1,785


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 ViolationAverage Annual Premium
DUI$2,693
Reckless Driving$2,780
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/GenderAverage Rate
Female$1,776
Male$1,680
Single$1,680
Married$1,569
Divorced$1,688
Widowed$1,707


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 LevelAverage Car Insurance Rate
Very Poor$4,426
Fair$2,176
Good$1,680
Very Good$1,468
Exceptional$1,298


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.

51

Rainy Days a Year

7"

Avg. Annual Rainfall

23"

Avg. Annual Snowfall

Be Prepared For

Driving in Reno

2
Major Highways
I-80 U.S. 50 SR 88
2
Public Transit
RTC Bus

Car Insurance Companies in Reno

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

Henderson

North Las Vegas

2

$1,181

The average Renoite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

189

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

See How Much You Can Save in Reno

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Reno Car Insurance

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