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.
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.
|
Avg Monthly Quote
|
Avg 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 |
| $35 | $420 | Progressive | 50 | May 9, 2024 | Reno, NV | 89502 |
| $35 | $424 | Progressive | 50 | July 18, 2024 | Reno, NV | 89502 |
| $37 | $442 | Progressive | 39 | May 7, 2024 | Reno, NV | 89509 |
| $41 | $488 | Progressive | 69 | May 10, 2024 | Reno, NV | 89521 |
| $43 | $512 | Progressive | 87 | August 13, 2024 | Reno, NV | 89512 |
| $44 | $532 | Progressive | 50 | June 15, 2024 | Reno, NV | 89502 |
| $46 | $546 | Mendota | 63 | August 1, 2024 | Reno, NV | 89523 |
If you have a loan or lease on your vehicle, the lender will require
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 and comprehensive insurances 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $38 | $458 | Progressive | 39 | May 7, 2024 | Reno, NV | 89509 |
| $52 | $624 | Progressive | 53 | August 17, 2024 | Reno, NV | 89512 |
| $57 | $688 | Progressive | 46 | September 17, 2024 | Reno, NV | 89509 |
| $59 | $702 | Progressive | 84 | October 31, 2024 | Reno, NV | 89511 |
| $61 | $731 | Progressive | 64 | June 27, 2024 | Reno, NV | 89506 |
| $68 | $811 | Progressive | 45 | October 24, 2024 | Reno, NV | 89523 |
| $68 | $812 | Progressive | 31 | March 19, 2025 | Reno, NV | 89506 |
| $68 | $820 | Progressive | 65 | April 23, 2024 | Reno, NV | 89503 |
| $88 | $1,056 | Progressive | 64 | July 30, 2024 | Reno, NV | 89506 |
| $88 | $1,056 | Progressive | 64 | July 29, 2024 | Reno, NV | 89506 |
Compare: The 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $60 | $724 | Progressive | 27 | No | February 17, 2025 | Reno, NV | 89502 |
| $65 | $784 | Progressive | 27 | No | February 18, 2025 | Reno, NV | 89502 |
| $66 | $793 | Mendota | 29 | No | January 17, 2025 | Reno, NV | 89502 |
| $69 | $828 | Progressive | 26 | No | February 12, 2025 | Reno, NV | 89503 |
| $69 | $832 | Progressive | 27 | No | March 21, 2025 | Reno, NV | 89502 |
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.
|
Avg Monthly Quote
|
Avg 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 |
| $35 | $420 | Progressive | 50 | No | May 9, 2024 | Reno, NV | 89502 |
| $35 | $424 | Progressive | 50 | No | July 18, 2024 | Reno, NV | 89502 |
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.
|
Avg Monthly Quote
|
Avg 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 |
| $50 | $600 | Mendota | 56 | August 11, 2024 | Reno, NV | 89512 | No |
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.
|
Avg Monthly Quote
|
Avg 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 |
| $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 |
| $61 | $731 | Progressive | 64 | June 27, 2024 | Yes | Reno, NV | 89506 |
| $64 | $762 | Progressive | 62 | March 2, 2025 | No | Reno, NV | 89502 |
| $64 | $766 | Mendota | 53 | July 30, 2024 | No | Reno, NV | 89503 |
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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $64 | $766 | Mendota | 53 | July 30, 2024 | Reno, NV | 89503 |
| <550 | $68 | $811 | Progressive | 45 | October 24, 2024 | Reno, NV | 89523 |
| <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 | $1,042 | Mendota | 53 | January 31, 2025 | Reno, NV | 89503 |
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
|
Avg Monthly Quote
|
Avg 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 | $35 | $420 | Progressive | 50 | No | May 9, 2024 | Reno, NV | 89502 |
| At Fault With No Injury | $35 | $424 | Progressive | 50 | No | July 18, 2024 | Reno, NV | 89502 |
| At Fault With No Injury | $36 | $426 | Progressive | 39 | No | May 7, 2024 | Reno, NV | 89509 |
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 rate shop before renewing your policy. Here are the cheapest quotes that Jerry customers with speeding tickets in Reno have received.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $79 | $952 | Mendota | 29 | December 19, 2024 | Reno, NV | 89506 |
| Speeding under 15 | $104 | $1,250 | Progressive | 68 | December 22, 2023 | Reno, NV | 89506 |
| Speeding over 15 | $107 | $1,281 | Mendota | 38 | February 9, 2025 | Reno, NV | 89503 |
| Speeding over 15 | $116 | $1,394 | Progressive | 38 | December 9, 2024 | Reno, NV | 89503 |
| Speeding over 15 | $120 | $1,442 | Progressive | 38 | January 2, 2025 | Reno, NV | 89503 |
Cheapest car insurance for drivers with DUIs in Reno
A DUI citation will likely cause your premium to rise, and some insurers may decline to renew your policy if you’ve recently received one. Should this happen, getting multiple quotes can help you find the coverage you need at the lowest cost. Here are the cheapest quotes for Jerry customers in Reno who have received DUI citations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $99 | $1,183 | Aspire Advantage | 34 | February 21, 2024 | Reno, NV | 89512 |
| DUI | $132 | $1,590 | Anchor General | 34 | October 30, 2023 | Reno, NV | 89512 |
| DUI | $200 | $2,394 | Bristol West | 40 | January 15, 2024 | Reno, NV | 89512 |
| DUI | $260 | $3,124 | Bristol West | 34 | February 21, 2024 | Reno, NV | 89512 |
| DUI | $286 | $3,432 | Progressive | 34 | September 5, 2024 | Reno, NV | 89502 |
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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
