Cheapest Car Insurance In Reno, NV 2025
Among car insurance providers in Reno, Country Financial has the most competitive price for minimum coverage at just $24 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Prices for car insurance in Reno, NV, can differ widely when searching for the most budget-friendly option.
Country Financial is the clear winner for the cheapest liability-only insurance, while State Farm offers the best value for full coverage. Oregon Mutual, however, has the lowest rates for young drivers.
Cheapest Car Insurance Companies In Reno, NV 2025
Cheapest Liability-only Car Insurance In Reno: Country Financial
If you’re looking for the lowest minimum coverage car insurance in Reno, Country Financial is the top choice at $24 a month.
The following table outlines the rate differences between various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $24 | $288 |
| Allstate | $58 | $696 |
| State Farm | $33 | $396 |
| Nationwide | $92 | $1,104 |
| Mercury | $96 | $1,152 |
Cheapest Auto Insurance For Young Adults in Reno: Oregon Mutual
Young adults in Reno can find the lowest insurance quotes from Oregon Mutual, averaging $94 per month.
Below is a table that compares the cheapest car insurance rates for young adults in Reno.
| Provider | Average Monthly Cost | Average Annual Cost |
| Oregon Mutual | $94 | $1,128 |
| Country Financial | $118 | $1,416 |
| State Farm | $145 | $1,740 |
| Unitrin | $98 | $1,176 |
| Mutual of Enumclaw | $148 | $1,776 |
Cheapest Full Coverage Insurance Rates In Reno: State Farm
At $54 a month on average, State Farm offers the lowest-priced full coverage car insurance in Reno.
The following table displays average insurance rates from budget-friendly auto insurers in Reno.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $54 | $648 |
| Allstate | $92 | $1,104 |
| Farmers | $146 | $1,752 |
| Mercury | $114 | $1,368 |
| Nationwide | $148 | $1,776 |
Cheapest Car Insurance Rates For Seniors: State Farm
The cheapest car insurance for seniors in Reno comes from State Farm, costing about $40 per month.
Here’s a comparison of average auto insurance quotes from the cheapest companies offering coverage for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| GEICO | $44 | $528 |
| Nationwide | $66 | $792 |
| Allstate | $45 | $540 |
| Progressive | $84 | $1,008 |
Cheapest Rates In Reno For Teenagers: State Farm
State Farm leads in affordability for teenage drivers in Reno, offering rates that average $105 a month.
This table shows the companies with the most affordable insurance premiums for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $105 | $1,260 |
| Farmers | $262 | $3,144 |
| Allstate | $174 | $2,088 |
| Nationwide | $274 | $3,288 |
| GEICO | $126 | $1,512 |
Cheapest Car Insurance In Reno For Good Drivers: Country Financial
Good drivers in Reno can secure the most affordable car insurance from Country Financial, averaging $24 a month.
Use the table below to find the average quotes from budget-friendly insurance companies if you’re a good driver.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $24 | $288 |
| Allstate | $58 | $696 |
| State Farm | $33 | $396 |
| Nationwide | $92 | $1,104 |
| Mercury | $96 | $1,152 |
Find affordable Reno rates
Cheapest Car Insurance In Reno After A Speeding Ticket: Country Financial
Compared to other insurers in Reno, Country Financial offers very low rates, averaging $30 per month for drivers with a speeding ticket.
Use the table below to compare average rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $30 | $360 |
| Allstate | $74 | $888 |
| State Farm | $41 | $492 |
| Root | $141 | $1,692 |
| Nationwide | $118 | $1,416 |
Cheapest For Drivers With After At-Fault Accident: State Farm
If you have an at-fault incident on your record, State Farm offers the lowest car insurance rates, averaging $46 a month.
The following companies offer the cheapest car insurance rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $46 | $552 |
| Allstate | $80 | $960 |
| Nationwide | $126 | $1,512 |
| Root | $150 | $1,800 |
| American Family | $152 | $1,824 |
Cheapest Rates In Reno For Drivers After A DUI: State Farm
In Reno, State Farm offers the cheapest rates for drivers following a DUI, averaging $57 per month.
You can find the lowest car insurance rates for drivers with a DUI in Reno in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $57 | $684 |
| Farmers | $150 | $1,800 |
| Mercury | $152 | $1,824 |
| Allstate | $96 | $1,152 |
| Travelers | $176 | $2,112 |
Best Car Insurance Companies In Reno
For the lowest insurance rates in Reno, Country Financial provides coverage for $24 a month, with State Farm and GEICO offering rates of $33 and $38 per month, respectively.
The following list shows the top 10 car insurance companies in Reno, NV, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Country Financial | $24 |
| Allstate | $58 |
| State Farm | $33 |
| Nationwide | $92 |
| Mercury | $96 |
| GEICO | $38 |
| Farmers | $90 |
| Safeco | $99 |
| Travelers | $108 |
| American Family | $110 |
Average Auto Insurance Rates In Reno – By Age
Car insurance rates are heavily influenced by age, with younger drivers typically paying more due to their lack of experience and increased chances of accidents or traffic violations. Teenagers may pay around $2,825 per year for insurance.
At around 25 years old, drivers usually see a decrease in their insurance premiums, as long as their driving record remains clean.
Insurance rates are typically more competitive for drivers in their 50s and early 60s, as age is a key factor in determining driving experience and risk, which influence premiums.
| Age | Average Yearly Rate |
| Teenagers | $2,825 |
| 20s | $2,210 |
| 30s | $1,648 |
| 40s | $1,532 |
| 50s | $1,377 |
| 60s | $1,262 |
| 70s | $1,235 |
Average Rates In Reno – By Vehicle
Car insurance costs are greatly influenced by the type of vehicle you own, with factors like make, model, year, and body type being considered. Generally, newer cars, particularly luxury ones with advanced tech and higher replacement costs, have higher premiums.
Below is a table showing the average car insurance rates for different vehicles in Reno.
| Vehicle | Average Monthly Rate |
| Audi A4 | $193 |
| Hyundai Sonata | $309 |
| Ford F-150 | $292 |
| Chevrolet Silverado | $646 |
| BMW X5 | $100 |
How Much Is Car Insurance In Other Cities in Nevada?
The city where you live has a major impact on your car insurance premiums. Insurance companies assess risks such as accidents, theft, and vandalism, which are more common in urban areas, causing rates to be higher.
As an example, car insurance costs in Las Vegas average $370 per month, compared to $200 per month in Carson City.
| City | Average Monthly Rate |
| Incline Village | $230 |
| Boulder City | $272 |
| Indian springs | $276 |
| Carson City | $200 |
| Las Vegas | $370 |
| Fallon | $207 |
| Mesquite | $245 |
| Gardnerville | $202 |
| North Las Vegas | $369 |
| Henderson | $319 |
Average Cost Of Auto Insurance In Reno – By Zip Code
Car insurance rates differ by zip code because insurers consider local crime rates when calculating premiums.
Below, you can find a table listing average insurance rates for different zip codes in Reno.
| Zip Code | Average Monthly Rate |
| 89512 | $154 |
| 89506 | $138 |
| 89511 | $141 |
| 89510 | $102 |
| 89519 | $135 |
Find affordable Reno rates
Our Methodology
Using an in-depth analysis that includes customer service, product offerings, pricing, and reviews from various online platforms, I’ve compiled a comprehensive overview of car insurance providers in Reno, NV.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Reno?
In Reno, Country Financial offers the cheapest rates for the minimum coverage, and State Farm has the best rates for full coverage, which includes both comprehensive and collision.
What is the average cost of car insurance in Reno?
The typical cost of car insurance in Reno is approximately $230 a month, though factors such as your zip code, vehicle type, and driving record can influence the rates.
