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 AverageState AverageNational Average
$1,529$1,802$1,427


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/GenderAverage Rate
Female$1,616
Male$1,529
Single$1,529
Married$1,418
Divorced$1,535
Widowed$1,550


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 ScoreAverage Rate
Very Poor$3,562
Fair$2,695
Good$2,094
Very Good$1,641
Exceptional$1,269


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 ViolationAverage Rate
DUI$2,497
Reckless Driving$2,345
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
AgeAverage Rate
Teenagers$6,648
20s$2,104
30s$1,505
40s$1,468
50s$1,386
60s$1,408
70s$1,751


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

Find Local Reno Agents

Wilkins & Associates Insurance Services, Inc.

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

Heuer Insurance Agency, Inc.

5050 Vista Blvd Ste 101 Sparks, NV 89436

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

icon_coffee

189

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

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Reno Car Insurance

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