Cheap Car Insurance in Reno, NV (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 20, 2025
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Cheap Car Insurance in Reno, NV (July 2025)

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Driving in Reno means navigating mountain passes, sudden weather changes, and busy roads near casinos and other tourist spots. Winter snow and ice from the Sierra Nevada can make driving hazardous, too. Reliable coverage helps ensure you’re ready for the unique challenges of the “Biggest Little City in the World.”

Jerry’s customer quote data shows you how your rate is affected by factors like your age, driving history and coverage level in Reno. Use this information as you shop for coverage.

More: Best car insurance in Nevada

Cheapest minimum coverage insurance in Reno

Nevada requires drivers to carry these minimum coverages:

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per accident.
  • $20,000 for property damage per accident.

These are the cheapest minimum coverage quotes that drivers in Reno received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$33 $394 Progressive 33 March 15, 2025 Reno, NV 89509
$34 $406 Progressive 50 July 24, 2024 Reno, NV 89502
$43 $512 Progressive 87 August 13, 2024 Reno, NV 89512
$46 $546 Mendota 63 August 1, 2024 Reno, NV 89523
$48 $574 Progressive 50 November 25, 2024 Reno, NV 89506
$49 $588 Mendota 73 December 12, 2024 Reno, NV 89512
$52 $624 Progressive 53 August 17, 2024 Reno, NV 89512
$58 $698 Mendota 46 September 18, 2024 Reno, NV 89509
$59 $706 Progressive 31 May 21, 2025 Reno, NV 89512
$65 $776 Progressive 43 July 1, 2025 Reno, NV 89509
Last Updated Jul 21, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

More: Best car insurance companies

Cheapest full coverage insurance in Reno

Nevada is the driest state but Reno can flood, especially near the Truckee River. The city also gets snow and ice that can make driving difficult. Nevada’s state minimum insurance won’t help you repair or replace your vehicle if bad weather damages it.

Full coverage, which includes liability, collision coverage and comprehensive insurance can help pay for damages caused by bad weather and provides coverage in other situations like collisions, fire and theft.

Here are the cheapest quotes for full coverage in Reno, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$52 $624 Progressive 53 August 17, 2024 Reno, NV 89512
$65 $776 Progressive 43 July 1, 2025 Reno, NV 89509
$88 $1,056 Progressive 64 July 30, 2024 Reno, NV 89506
$93 $1,112 Progressive 40 April 21, 2025 Reno, NV 89506
$94 $1,130 Progressive 65 June 13, 2025 Reno, NV 89508
$99 $1,190 Progressive 60 August 28, 2024 Reno, NV 89502
$101 $1,206 Progressive 38 March 24, 2025 Reno, NV 89523
$102 $1,222 Progressive 41 May 9, 2025 Reno, NV 89523
$106 $1,275 Mendota 53 January 31, 2025 Reno, NV 89503
$115 $1,380 Progressive 65 April 25, 2025 Reno, NV 89506
Last Updated Jul 21, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance in Nevada

Cheapest car insurance for young drivers in Reno (18-29 years old)

Typically, younger drivers pay the highest car insurance rates because insurers see their lack of driving experience as a risk. Get quotes from multiple insurers to find the coverage you need at the lowest cost. Below are the cheapest quotes that young drivers in Reno have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$69 $828 Progressive 26 No February 12, 2025 Reno, NV 89503
$69 $832 Progressive 27 No March 21, 2025 Reno, NV 89502
$79 $952 Mendota 29 No December 19, 2024 Reno, NV 89506
$86 $1,030 Progressive 28 No February 28, 2025 Reno, NV 89512
$113 $1,359 Mendota 25 No January 25, 2025 Reno, NV 89523
Last Updated Jul 21, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Reno (30-54 years old)

Drivers between 30 and 54 years old typically get lower rates than younger drivers. Here are the cheapest quotes mature drivers in Reno have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$33 $394 Progressive 33 No March 15, 2025 Reno, NV 89509
$34 $406 Progressive 50 No July 24, 2024 Reno, NV 89502
$48 $574 Progressive 50 No November 25, 2024 Reno, NV 89506
$52 $624 Progressive 53 Yes August 17, 2024 Reno, NV 89512
$58 $698 Mendota 46 No September 18, 2024 Reno, NV 89509
Last Updated Jul 20, 2025

Cheapest car insurance for older drivers in Reno (55+ years old)

Drivers who are 55 and older typically pay the lowest rates for an auto policy, and these rates typically get cheaper until they reach their 70s. Here are the cheapest quotes that drivers in Reno above age 54 have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$41 $488 Progressive 69 May 10, 2024 Reno, NV 89521 No
$43 $512 Progressive 87 August 13, 2024 Reno, NV 89512 No
$46 $546 Mendota 63 August 1, 2024 Reno, NV 89523 No
$49 $588 Mendota 73 December 12, 2024 Reno, NV 89512 No
$66 $791 Mendota 62 February 18, 2025 Reno, NV 89506 No
Last Updated Jul 21, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Reno

A driving history with no tickets, accidents or insurance claims typically gets you the cheapest auto policy possible. Here are the cheapest quotes that drivers in Reno with spotless records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$33 $394 Progressive 33 March 15, 2025 No Reno, NV 89509
$41 $488 Progressive 69 May 10, 2024 No Reno, NV 89521
$46 $546 Mendota 63 August 1, 2024 No Reno, NV 89523
$48 $574 Progressive 50 November 25, 2024 No Reno, NV 89506
$52 $624 Progressive 53 August 17, 2024 Yes Reno, NV 89512
$65 $776 Progressive 43 July 1, 2025 Yes Reno, NV 89509
$66 $791 Mendota 62 February 18, 2025 No Reno, NV 89506
$68 $810 Progressive 38 August 22, 2024 No Reno, NV 89511
$68 $820 Progressive 65 April 23, 2024 Yes Reno, NV 89503
$69 $828 Progressive 26 February 12, 2025 No Reno, NV 89503
Last Updated Jul 21, 2025

Cheapest car insurance for drivers with low credit scores in Reno

Insurers in Nevada can use your credit history help determine your premium cost. In many cases, a lower score leads to a higher rate. Check out the cheapest quotes that Reno drivers with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $71 $848 Bristol West 41 May 28, 2024 Reno, NV 89506
<550 $75 $897 Mendota 30 April 16, 2025 Reno, NV 89508
<550 $101 $1,206 Progressive 38 March 24, 2025 Reno, NV 89523
<550 $101 $1,215 Mendota 49 April 30, 2025 Reno, NV 89506
<550 $113 $1,359 Mendota 25 January 25, 2025 Reno, NV 89523
Last Updated Jul 21, 2025

Cheapest car insurance for drivers with at-fault accidents in Reno

Your premium is likely to rise after an at-fault accident. If you’ve recently been in an accident, compare quotes from different insurers before your policy renews to find the best rate. Here are the cheapest quotes that Reno drivers with at-fault accidents have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $34 $406 Progressive 50 No July 24, 2024 Reno, NV 89502
At Fault With No Injury $43 $512 Progressive 87 No August 13, 2024 Reno, NV 89512
At Fault With No Injury $58 $698 Mendota 46 No September 18, 2024 Reno, NV 89509
At Fault With No Injury $69 $832 Progressive 27 No March 21, 2025 Reno, NV 89502
At Fault With No Injury $77 $928 Progressive 30 No July 13, 2024 Reno, NV 89511
Last Updated Jul 20, 2025

Cheapest car insurance for drivers with speeding tickets in Reno

A speeding ticket is likely to raise your insurance costs, so if you have been cited for speeding, it’s wise to go shopping for auto insurance before renewing your policy. Here are the cheapest quotes that Jerry customers with speeding tickets in Reno have received.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $59 $706 Progressive 31 May 21, 2025 Reno, NV 89512
Speeding under 15 $79 $952 Mendota 29 December 19, 2024 Reno, NV 89506
Speeding under 15 $84 $1,003 Mendota 34 May 16, 2025 Reno, NV 89503
Speeding under 15 $101 $1,206 Progressive 38 March 24, 2025 Reno, NV 89523
Speeding under 15 $127 $1,521 Mendota 47 June 23, 2025 Reno, NV 89502
Last Updated Jul 21, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.