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Cheap Car Insurance in Reno, Nevada

Illustration of van driving by Freeway Insurance headquarters

Only 22 miles away from Lake Tahoe, Reno rests on the Nevada-California border. Commonly referred to as “The Biggest Little City in the World,” Reno sees extensive tourism due to its casinos and its proximity to California.

Reno is the second-largest metro area in Nevada, but it retains its small town feel despite the heavy tourism. In addition to casinos, the city has a host of other attractions and cultural landmarks, including the Nevada Museum of Art.

Quick Facts

  • The city of Reno had 15 fatal crashes in 2019.
  • Reno has a population of over 260,000
  • Nevada car insurance is required for all residents who drive

How Much is Car Insurance in Reno, Nevada?

On average, the cost of full coverage car insurance in Reno is $2,160/year. While this amount is below the state average of $2,246, it is higher than the national average of $1,674. This should not come as a surprise, given that Reno is a major population center in the state. Keep in mind that the specific cost of your Nevada car insurance policy will depend on a number of other factors.

The state-required minimum care insurance in Reno, Nevada averages out to $648 annually, which is lower than Nevada’s average of $860 per year and higher than the national annual average of $564.

For example, you can see by the table below that where you live in Nevada has a bearing on how much your car insurance will cost.

City Average Annual Premium
Las Vegas $2,640
Henderson $2,312
Carson City $1,736
Reno $1,733

There are several factors that will impact the cost of your vehicle insurance in Reno. These costs include everything from your age, accident history, and zip code.

It is helpful to know that your car insurance could protect you financially in case of an accident. If you are at fault for the crash, your liability coverage could fend off legal claims by the other driver. You could also reduce the cost of your monthly premiums in a number of ways, keeping this vital insurance within your budget.

Low-Cost Reno Car Insurance Rates by Zip Code

It might come as a surprise to you, but your zip code could have an impact on the cost of your car insurance. Accidents are more common in some zip codes than others, and insurance for drivers living in those zip codes could be higher.

In total, Reno has 27 zip codes, and the cost of insurance could vary across each of them. Understanding what your insurance might cost in each zip code could help you identify what to expect from your quote.

Zip Code Average Monthly Full Coverage/State Minimum Car Insurance Rate
89557 $162/$47
89512 $178/$53
89501 $180/$54
89502 $177/$53
89431 $177/$52

Reno Affordable Car Insurance Rates by Age

The statistics make it clear that there is a correlation between the age of a driver and the likelihood of an accident. For that reason, some age groups are likely to pay more for insurance than others.

Age Average Monthly Car Insurance Rate for Full Coverage/State Minimum
18 $606/$198
20 $362/$112
30 $162/$47
40 $157/$46
50 $152/$45
60 $149/$45
70 $164/$52

Driving Conditions in Reno

How Many Fatal Accidents Happen in Reno?

In 2019, there were a total of 15 fatal accidents in Reno. Two of those involved speeding and seven involved pedestrians. Fifteen people were killed and 39 people were involved

How are the Road Infrastructure and Bridges in Reno?

Reno is growing, and its infrastructure needs are growing along with it. Due to its heavy traffic, it should come as no surprise that road projects are a constant in Reno. The city has a number of capital projects expanding roads, bridges, and pathways.

On the state level, in 2019 Nevada received a C grade on infrastructure. While this is an improvement from years past, issues regarding decaying infrastructure remain. This is especially true in the communities outside of Las Vegas.

Get a Quote for Car Insurance in Nevada Today!

Minimum Car Insurance Requirements in Reno

State law governs the minimum car insurance requirements in Reno. Because Nevada is known as an “at-fault” state, drivers who cause an accident will be responsible for the other driver’s injuries and damage. Your minimum required insurance will pay the other driver up to your policy limits and you will be responsible for the rest. Your minimum liability coverage will not pay for your damage or injuries. In Nevada, the minimum levels of coverage are:

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

There are other types of coverage besides liability, and you might be required to purchase them by your lender. As a condition for a loan, your lender might require that you maintain full coverage on your vehicle so that your own damages will be covered.

Factors Allowed in Reno Insurance Rates

There are numerous rating factors your insurance company could use to set your insurance premium. When determining your cost, the company will consider all these factors and increase or decrease your premiums as applicable. Some of these factors include:

  • Your age
  • Your gender
  • Your zip code
  • The type of vehicle you drive
  • Your claims history and driving record

Discounts for Car Insurance in Reno

There are numerous ways that you could save money on car insurance in Reno. The best option for saving money is by taking advantage of the discounts available to you. These discounts could include:

  • Hands holding a box with a check mark

    Safe driver

  • Illustration of a document

    Paperless bills

  • Blue icon of a graduation cap

    Good student

  • Green icon of a military man

    Military

  • Pink icon of a thief

    Anti-theft

  • Green icon of a document with a checklist

    Bundling

What are the Penalties for Driving Without Insurance in Reno

There are notable penalties for driving without a license in Reno. Insurance companies are required to report all new policies, cancellations and lapses in coverage to the state. You may also receive a citation from a peace officer if you are caught driving without insurance in Nevada.

A one-day lapse in coverage will result in a suspension of your vehicle registration. You will receive a certified letter from the state letting you know your registration is suspended.

Penalties include a reinstatement fee of $250 for first offense, $500 for second and $750 for third. If you pass 30 days without resolution, you will be charged a fine from $250-$500. Third-time offenders will be required to file an SR22 form with the state and will see their driver’s license suspended for a minimum of 30 days.

Get a Reno, Nevada Cheap Auto Insurance Quote Today!

Reno arch in the morning
It is crucial that you maintain the appropriate level of car insurance for you and your family. It is not just a legal requirement; insurance coverage could protect you from financial disaster if you are involved in an accident.

Freeway Insurance is here to help you find the coverage that you need in Reno, Nevada. Get started with a quote online, or visit us at a Reno office near you. You can also call us at (800) 777-5620 for a quote.