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Cheapest car insurance in Reno, Nevada (Jun 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Reno, Nevada.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Reno

With plenty of
car insurance
companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to
shop around
and compare
car insurance quotes
before committing to a policy so you can guarantee you’re not overpaying.
With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Reno drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$140
Lou, 25
Zip: 89509
Nissan Versa S
• State Minimum Liability
Allstate
$164
Chris, 36
Zip: 89503
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Safeco
$88
Jane, 63
Zip: 89523
Nissan Frontier S
• State Minimum Liability
• Comp / Collision
Nationwide
$134
Etta, 34
Zip: 89512
Hyundai Sonata GLS
• State Minimum Liability
• Comp / Collision
National General
$276
Nellie, 44
Zip: 89506
KIA Optima EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

Best car insurance companies in Reno

If you’re a Reno driver looking for the best auto insurance companies, you’re in the right place. Jerry conducted one of the largest national insurance shopping surveys to find the best providers for Reno drivers—and we’re ready to share the results!
The study found no single “best” or “cheapest” provider for every Reno driver, since rates vary so widely from one driver to the next.
State Farm
,
Allstate
, and
Progressive
insurance in Reno, NV dominate the insurance market in Reno—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.
Take a look at how Reno drivers ranked major insurance companies below, and how their insurance rates stack up against one another.
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.2
$1,995
$888
4.0
$1,095
$408
4.3
$1,490
$685
4.3
$1,390
$681
4.2
$1,423
$942
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Progressive

Overall Jerry rating in Nevada: 4.2
JD Power customer satisfaction: 814
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Progressive is one of the longest-standing insurance companies out there. They offer policyholders plenty of coverage options and have 24/7 customer service standing by. They did score higher than average for number of complaints, but Jerry users rated them highly for both customer service and the claims process.
Read More
Real 5-star customer reviews:
“I just want to say thank you to them. Their system is super easy to sign up and you get the best price.” - Diego, NV
“I have been nothing but happy with my experience with progressive. I initially had only auto insurance but then bundled my homeowners insurance with them based on the Greta commercial advertising.  It was greatly priced with great coverage in the terms. Very happy.” David, NV
“Love progressive, they’re super easy and affordable to work with. Love their app and service.” - Maria, NV

Sun Coast General

Overall Jerry rating in Nevada: 4.0
JD Power customer satisfaction: N/A
AM Best financial strength: A++
NAIC complaint index (June 2023): N/A
Sun Coast General may not have nationwide availability (they only offer services in 11 states), but they’re a good option for any motorist interested in good customer service and coverage options in Mexico. Their insurance process is also seamless and transparent.
Real 5-star customer reviews:

Dairyland

Overall Jerry rating in Nevada: 4.3
JD Power customer satisfaction: N/A
AM Best financial strength: A+
NAIC complaint index (September 2023): Above average
Dairyland is one of those insurance providers that has your back if you’ve been dinged with a violation or need a free SR-22 filing. Their website and mobile app are easy to use, and they also offer good coverage options for non-standard motorists. Their customer complaints run a tad high, but our readers gave them a 4.7 customer rating.
Read More
Real 5-star customer reviews:
“After numerous hours spent trying to find car insurance for myself and roommate whose driving record is less than stellar we happened upon this app called Jerry and it was like finding the pot at the end of the rainbow. The easiest process I've ever had with an insurance company. I can't say enough, extremely grateful and happy to have found this app and the company.” - Ryan, NV
“Good reasonable prices” Janne, NV
“Great.” Aklile Kidane, NV

Mercury

Overall Jerry rating in Nevada: 4.2
JD Power customer satisfaction: 848/1000
AM Best financial strength: A+
NAIC complaint index: Lower than average
Mercury is a solid option for young drivers, or motorists with violations on their record. With a healthy amount of coverage options, all of which are known for their affordability, Mercury is a good choice for those in need of cheaper rates. Just keep in mind that they don’t have as many discounts in place as other providers and their customer service rating is on the low side.
Read More
Real 5-star customer reviews:
“I got a great price.” Wendy, NV
“Jerry has helped me and my wife save hundreds of dollars by using their app. We recommend Jerry” Lo, NV

AAA

Overall Jerry rating in Nevada: 4.2
JD Power customer satisfaction: 811/1000
AM Best financial strength: A
NAIC complaint index: More than expected
AAA has long been a provider who scores highly for customer service and affordable rates. Policyholders head to AAA when they need a provider with a wide selection of discounts and coverage options, and membership benefits. However, it’s important to note that AAA is only available to membership holders and you may see a spike in rates with a poor credit rating.
Read More
Real customer reviews:
“My wife and I recently moved to a new home this past year. We were nervous about the price of insurance, but we were able to find affordable rates with AAA.” - Tony, NV
“They provide excellent service within a reasonable time limit.” - Kharizma, NV

Best cheap car insurance quotes in Reno

All drivers in Reno must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase
full-coverage auto insurance
for better protection.

Cheap minimum liability insurance quotes in Reno

Nevada’s minimum car insurance requirements
follow a 25/50/20 pattern. Here’s a breakdown of what every Reno driver must have: 
card cover
Lou (25 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89509)
$140
per month
card cover
Warren (36 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89503)
$164
per month
card cover
Jane (63 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89523)
$88
per month
card cover
Etta (34 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89512)
$134
per month
card cover
Mathilda (23 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89502)
$187
per month

Do you need more than minimum coverage in Reno?

In Reno, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase. 
If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue. 
Remember,
Nevada's car insurance laws
allow Reno drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident. 
Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Reno.
The bottom line: Drivers in Reno should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.

Cheap full coverage car insurance quotes in Reno

Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Reno!
If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus
comprehensive
and
collision coverage
.
  • Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects
  • Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object
And if you’re financing or
leasing a car
, your lender will require this.
Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out. 
While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Reno for the coverage you want.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$252
Daisy, 34
Zip: 89512
Honda Accord SE
• State Minimum Liability
• Comp / Collision
Nationwide
$123
Louisa, 43
Zip: 89509
Chevrolet Silverado K1500 LT
• State Minimum Liability
• Comp / Collision
Allstate
$164
Warren, 36
Zip: 89503
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Safeco
$88
Jane, 63
Zip: 89523
Nissan Frontier S
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$219
Howard, 44
Zip: 89506
KIA Optima EX
coverageLast Updated Jun 10, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Reno

After analyzing scores of insurance providers in Reno, we have discovered that the average price for minimum liability coverage amounts to be $119 per month or $1,433 per year. Additionally, residents of Reno can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Reno by zip code

The cost of car insurance in Reno can greatly differ depending on your specific zip code. Each individual zip code within Reno has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
89501
$84
$165
89502
$77
$194
89503
$84
$183
89506
$92
$183
89509
$65
$140
89511
$112
$172
89512
$86
$245
89521
$71
$176
89523
$78
$159

Car insurance quotes in Reno by rating factors 

Insurance companies in Reno use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Reno?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Reno:

Cheap car insurance quotes in Reno after driving violations

Driver violation points have a significant impact on car insurance rates
—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure
high-risk drivers
in Reno. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big violations like a DUI or
reckless driving
Here’s how to find cheap car insurance in Reno with driving violations on your record.

Cheapest car insurance in Reno after speeding ticket

If you’re a Reno driver who has received a
speeding ticket
, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.
Here’s what we mean:
The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit. 
  • 5 mph over the speed limit: $100 fine + 1 point added
  • 10 mph over the speed limit: $200 fine + 2 points added
  • 15 mph over the speed limit: $300 fine + 2 points added
  • 20 mph over the speed limit: $400 fine + 3 points added
  • 21+ mph over the speed limit: $420+ fine + 4 points added
That said, the amount of your fine will depend on several factors, including:
  • Any previous speeding tickets
  • Where you were speeding (work or school zone)
  • How fast you were going
Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.
The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension. 
Regardless of the violation, Jerry helps Reno drivers find affordable rates with great insurance companies.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Nationwide
$122
Alma, 37
Zip: 89509
Toyota RAV4 Sport
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
Progressive
$113
Maud, 58
Zip: 89502
Ford Explorer XLT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

Cheapest car insurance in Reno after DUI

In Reno, you’re subject to
Nevada DUI laws
, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers. 
  • If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.
  • Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.
  • On average, drivers with a DUI pay 56% more for car insurance than drivers without one.
Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Reno drivers with major convictions land affordable insurance.
card cover
Johanna (36 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89503)
carFord F550 Super Duty
$111
per month

Cheapest car insurance in Reno after an at-fault accident

A clean driving record is one of the best things a Reno driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim. 
If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label. 
But it’s not all bad news—work to eliminate the accidents on your record (and
keep a clean driving record
in the meantime) while Jerry helps you find an affordable policy.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$79
Johnny, 32
Zip: 89506
Ford Mustang
• State Minimum Liability
At Fault With No Injury
Nationwide
$134
Rosetta, 34
Zip: 89512
Hyundai Sonata GLS
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$140
Angel, 31
Zip: 89503
Jeep Compass Trailhawk
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Allstate
$164
Cole, 36
Zip: 89503
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

Cheapest car insurance in Reno after other driving violations

As a Reno driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates. 
If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates in Reno.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$133
Logan, 50
Zip: 89523
Nissan Rogue SV
• State Minimum Liability
• Comp / Collision
Cell Phone
Safeco
$139
Jim, 43
Zip: 89506
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Careless Driving
Mercury
$89
Francis, 59
Zip: 89509
Chevrolet Impala LT
• State Minimum Liability
Driving on Sus. License
Progressive
$107
Ralph, 30
Zip: 89503
Ford Edge Limited
• State Minimum Liability
Failure to Obey Signal
Allstate
$215
Jerome, 28
Zip: 89523
Lexus NX 200T
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
Progressive
$186
Christopher, 23
Zip: 89523
Dodge Dart SXT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

Cheap car insurance quotes in Reno by age

In Reno, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.
For teens and seniors in Reno, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Reno for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Reno. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.
If you’re a new driver in Reno without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash. 
card cover
Carolyn (24 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89511)
$177
per month
card cover
Kathryn (22 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89512)
carMercury Grand Marquis GS
$157
per month
card cover
Louise (24 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89512)
carMazda CX-3 Touring
$213
per month
card cover
Walter (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationReno, NV
(Zip Code: 89523)
$164
per month
card cover
Agnes (23 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89502)
$230
per month

Cheapest car insurance in Reno for senior drivers

On the other end of the spectrum, we have Reno drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident. 
GEICO
seems to lead the race for the
best car insurance for seniors
in Reno, but using a comparison app to check out other quotes is still a good idea.
card cover
Hunter (74 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89502)
$67
per month
card cover
Micheal (65 years old)
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89512)
carKIA Optima SX
$78
per month

Cheap car insurance quotes in Reno based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Sally (25 years old)
Currently Insured
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89509)
$140
per month
card cover
Dale (63 years old)
Currently Insured
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89523)
$88
per month
card cover
Rosetta (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89509)
carBMW X3 2.5I
$94
per month
card cover
Owen (43 years old)
Currently Insured
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89509)
carChevrolet Silverado K1500 LT
$123
per month
card cover
Mabel (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationReno, NV
(Zip Code: 89502)
$230
per month

Cheap car insurance quotes in Reno for drivers with poor credit

While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$179
Louis, 30
Zip: 89512
Honda Civic Sport
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$88
Dale, 63
Zip: 89523
Nissan Frontier S
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$288
Etta, 24
Zip: 89511
GMC Yukon Denali
• State Minimum Liability
• Comp / Collision
550 - 659
Allstate
$164
Edna, 24
Zip: 89523
Chevrolet Malibu LT
• 50,000/100,000 Liability
• Comp / Collision
< 550
Progressive
$140
Lloyd, 25
Zip: 89509
Nissan Versa S
• State Minimum Liability
coverageLast Updated Jun 10, 2024

How to lower car insurance costs in Reno

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts: Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Reno?

People living in Reno pay on average $119 per month – or $1,433 per year – on state-minimum liability coverage. Full coverage in Reno costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Reno?

Based on thousands of Reno drivers Jerry has worked with, car insurance in Reno costs an average of $119 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Reno?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. 
Nationwide
, Farmers, and The General receive good ratings from Reno drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Reno, Nevada?

The state-minimum car insurance in Reno, Nevada is as follows:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.