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
|
|---|---|---|---|---|---|---|
| $31 | $374 | Progressive | 39 | June 9, 2024 | Reno, NV | 89509 |
| $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 | $550 | Progressive | 53 | April 10, 2025 | Reno, NV | 89502 |
| $48 | $574 | Progressive | 50 | November 25, 2024 | Reno, NV | 89506 |
| $50 | $600 | Mendota | 56 | August 11, 2024 | Reno, NV | 89512 |
| $52 | $624 | Progressive | 53 | August 17, 2024 | Reno, NV | 89512 |
| $54 | $642 | Progressive | 56 | January 11, 2025 | Reno, NV | 89502 |
| $55 | $660 | Progressive | 65 | June 13, 2025 | Reno, NV | 89508 |
If you have a loan or lease on your vehicle, the lender will require
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 |
| $56 | $674 | Progressive | 40 | April 21, 2025 | Reno, NV | 89506 |
| $83 | $990 | Progressive | 65 | April 25, 2025 | Reno, NV | 89506 |
| $88 | $1,056 | Progressive | 64 | July 30, 2024 | Reno, NV | 89506 |
| $89 | $1,066 | Progressive | 30 | March 10, 2025 | Reno, NV | 89502 |
| $90 | $1,082 | Progressive | 54 | April 16, 2025 | Reno, NV | 89509 |
| $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 |
| $109 | $1,304 | Progressive | 45 | June 18, 2025 | Reno, NV | 89512 |
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
|
|---|---|---|---|---|---|---|---|
| $66 | $793 | Mendota | 29 | No | January 17, 2025 | Reno, NV | 89502 |
| $69 | $832 | Progressive | 27 | No | March 21, 2025 | Reno, NV | 89502 |
| $79 | $952 | Mendota | 29 | No | December 19, 2024 | Reno, NV | 89506 |
| $84 | $1,006 | Progressive | 27 | No | March 3, 2025 | Reno, NV | 89511 |
| $86 | $1,030 | Progressive | 28 | No | February 28, 2025 | Reno, NV | 89512 |
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
|
|---|---|---|---|---|---|---|---|
| $31 | $374 | Progressive | 39 | No | June 9, 2024 | Reno, NV | 89509 |
| $33 | $394 | Progressive | 33 | No | March 15, 2025 | Reno, NV | 89509 |
| $34 | $406 | Progressive | 50 | No | July 24, 2024 | Reno, NV | 89502 |
| $46 | $550 | Progressive | 53 | No | April 10, 2025 | Reno, NV | 89502 |
| $48 | $574 | Progressive | 50 | No | November 25, 2024 | Reno, NV | 89506 |
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 |
| $50 | $600 | Mendota | 56 | August 11, 2024 | Reno, NV | 89512 | No |
| $54 | $642 | Progressive | 56 | January 11, 2025 | Reno, NV | 89502 | No |
| $55 | $660 | Progressive | 65 | June 13, 2025 | Reno, NV | 89508 | No |
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 |
| $48 | $574 | Progressive | 50 | November 25, 2024 | No | Reno, NV | 89506 |
| $50 | $600 | Mendota | 56 | August 11, 2024 | No | Reno, NV | 89512 |
| $52 | $624 | Progressive | 53 | August 17, 2024 | Yes | Reno, NV | 89512 |
| $54 | $642 | Progressive | 56 | January 11, 2025 | No | Reno, NV | 89502 |
| $55 | $660 | Progressive | 65 | June 13, 2025 | No | Reno, NV | 89508 |
| $56 | $674 | Progressive | 40 | April 21, 2025 | Yes | Reno, NV | 89506 |
| $64 | $762 | Progressive | 62 | March 2, 2025 | No | Reno, NV | 89502 |
| $66 | $791 | Mendota | 62 | February 18, 2025 | No | Reno, NV | 89506 |
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 | $85 | $1,018 | Mendota | 34 | December 7, 2024 | Reno, NV | 89512 |
| <550 | $86 | $1,029 | Mendota | 45 | January 16, 2025 | Reno, NV | 89502 |
| <550 | $86 | $1,036 | Mendota | 33 | June 29, 2024 | Reno, NV | 89502 |
| <550 | $87 | $1,047 | Mendota | 60 | May 16, 2025 | Reno, NV | 89512 |
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 | $31 | $374 | Progressive | 39 | No | June 9, 2024 | Reno, NV | 89509 |
| 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 |
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 over 15 | $46 | $550 | Progressive | 53 | April 10, 2025 | Reno, NV | 89502 |
| Speeding under 15 | $55 | $659 | Mendota | 55 | June 27, 2025 | Reno, NV | 89523 |
| Speeding under 15 | $59 | $706 | Progressive | 31 | May 21, 2025 | Reno, NV | 89512 |
| Speeding under 15 | $79 | $950 | Progressive | 34 | May 16, 2025 | Reno, NV | 89503 |
| Speeding under 15 | $79 | $952 | Mendota | 29 | December 19, 2024 | Reno, NV | 89506 |
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.
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.
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.
