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.

51

Rainy Days a Year

7"

Avg. Annual Rainfall

23"

Avg. Annual Snowfall

Be Prepared For

Driving in Reno

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

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

$1,181

The average Renoite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

189

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

See How Much You Can Save in Reno

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Reno Car Insurance

Top Insurance Tech Conferences to Attend
Top Insurance Tech Conferences to Attend
Aug 16, 2017

Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Answering Every FAQ About Driverless Cars
Answering Every FAQ About Driverless Cars
Jul 27, 2016

Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

Self-Driving Cars vs. Cyclists: What Does the Future Look Like?
Self-Driving Cars vs. Cyclists: What Does the Future Look Like?
Sep 16, 2015

Google’s self-driving cars are some of the most visible and well-known (and most talked-about) autonomous vehicles on the road. Google’s...

Are 1 in 7 Drivers Forced to Drive Illegally?
Are 1 in 7 Drivers Forced to Drive Illegally?
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

The DeLorean 30 Years Later: Beyond Back to the Future
The DeLorean 30 Years Later: Beyond Back to the Future
Apr 24, 2015

The DeLorean can still make us time travel: if not via the Flux Capacitor, then because the name itself will...

How Marijuana Legalization Has Affected Driving
How Marijuana Legalization Has Affected Driving
Apr 20, 2015

As of November 9, 2016, there are 28 states and the District of Columbia that have legalized marijuana in some...

Texting and Driving Laws: Hard to Enforce
Texting and Driving Laws: Hard to Enforce
Jul 17, 2014

Perhaps it’s not a surprise that texting and driving laws are hard to enforce. After all, most of us now...