Car insurance in Reno, Nevada, costs about $285 a month ($3,421 a year) for full coverage for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 30% below the Nevada average of $407 a month. Compare Reno auto insurance quotes for your own car and ZIP code. GEICO has the lowest full-coverage average among the four major insurers we compared (Allstate, CSAA, GEICO and Progressive), at about $241 a month.
Reno costs about $122 a month less than the Nevada average for our benchmark driver and about $223 a month less than Las Vegas, about 345 miles southeast. Sparks, next door to the east, averages the same $285 a month.
Our figures cover the 10 ZIP codes with a Reno mailing address that we price. On the Census Bureau’s maps, seven of them include part of the City of Reno, while the centers of 89508, 89511 and 89521 fall outside the city limits. Downtown’s 89501 isn’t among the ZIP codes we price.
Cost data comes from the auto rates insurers file with state regulators, priced across all 10 Reno ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Reno, NV?
The average cost of car insurance in Reno, NV, is about $285 a month ($3,421 a year) for full coverage, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,484 a year ($124 a month), and 50/100/50 liability with comprehensive and collision averages $3,110 ($259 a month).
- Full coverage (100/300/100, $500 deductibles): $3,421 a year ($285 a month)
- 50/100/50 with $500 deductibles: $3,110 a year ($259 a month)
- Liability only (15/30/10): $1,484 a year ($124 a month)
- Washoe County: $3,427 a year ($286 a month) for full coverage
- Nevada average: $4,889 a year ($407 a month) for full coverage
- ZIP code range: $277 (89521) to $295 (89503) a month for full coverage
Cheapest Car Insurance Companies in Reno
Looking for cheap car insurance in Reno? The insurer you pick matters far more than the ZIP code: the full-coverage averages of the four major insurers we compared run from about $241 to $332 a month, about five times the $18 spread across Reno ZIP codes.
- Lowest average among these four insurers, full coverage: GEICO, at about $241 a month ($2,891 a year).
- Next lowest among these four insurers: Progressive, at about $270 a month, then CSAA at $298.
- Lowest liability-only average among these four insurers (15/30/10): Progressive, at about $88 a month, then GEICO at $101.
- State Farm (Nov. 2025 rates)*: about $261 a month for full coverage, from its November 2025 rates.
- Also on our list: Country Financial at about $144 a month, USAA at $168, Travelers at $266, Farmers at $336 and American Family at $395 (USAA sells only to military families).
- Most expensive among these four insurers: Allstate, at about $332 a month, $1,089 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the four insurers in our Reno rate data. The statewide Nevada rate studies dated 2026 that we reviewed most often rank Travelers cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families, and the other three each put a different insurer first. In our Reno table, Travelers*, priced from those studies and scaled to our benchmark driver, comes in at about $266 a month, above GEICO’s $241, so we don’t name it. Country Financial* comes in lower, at about $144, but it leads only one of the seven studies, so we don’t name it either. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these four insurers, at about $88 a month, followed by GEICO at $101.
Full-coverage averages by insurer in Reno
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $1,213 | $101 | $2,891 | $241 |
| Progressive | $1,053 | $88 | $3,240 | $270 |
| CSAA | $1,775 | $148 | $3,575 | $298 |
| Allstate | $1,894 | $158 | $3,980 | $332 |
| State Farm (Nov. 2025 rates)* | $1,108 | $92 | $3,131 | $261 |
| Country Financial* | $701 | $58 | $1,732 | $144 |
| USAA (military families)* | $702 | $59 | $2,014 | $168 |
| Travelers* | $1,535 | $128 | $3,190 | $266 |
| Farmers* | $1,411 | $118 | $4,034 | $336 |
| American Family* | $1,716 | $143 | $4,734 | $395 |
| Reno average | $1,484 | $124 | $3,421 | $285 |
This table uses Reno ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Reno Car Insurance Rates by ZIP Code
Across the 10 Reno ZIP codes we price, full coverage for our driver ranges from about $277 a month in 89521 to $295 in 89503, a gap of $211 a year. Prices barely change across Reno: 89503, the most expensive Reno ZIP code in our data, costs about 6% more than 89521, the least expensive.
Lowest-priced Reno ZIP codes
Highest-priced Reno ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Reno’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 89502 | $1,501 | $125 | $3,480 | $290 | +2% |
| 89503 | $1,539 | $128 | $3,537 | $295 | +4% |
| 89506 | $1,457 | $121 | $3,390 | $283 | -1% |
| 89508 | $1,431 | $119 | $3,393 | $283 | -1% |
| 89509 | $1,497 | $125 | $3,443 | $287 | +1% |
| 89511 | $1,470 | $123 | $3,354 | $280 | -2% |
| 89512 | $1,553 | $129 | $3,512 | $293 | +3% |
| 89519 | $1,507 | $126 | $3,434 | $286 | About average |
| 89521 | $1,437 | $120 | $3,326 | $277 | -3% |
| 89523 | $1,444 | $120 | $3,347 | $279 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Reno?
Raising liability limits from 50/100/50 to 100/300/100 adds about $311 a year on average in our Reno data, with the same $500 deductibles. That’s about $26 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Reno?
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Reno ZIP codes, full coverage averaged $3,439 a year nine months earlier and $3,421 in rates as of Aug. 31, 2026, a 0.5% drop. GEICO cut its Reno average 5.4% and Progressive 2.4%, while Allstate raised its average 4.5%; CSAA’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits rose 1.2%, led by Allstate, which raised its liability-only average 7.1%.
What Keeps Car Insurance Costs Down in Reno
Washoe County averages about $286 a month for full coverage, about the same as Reno and roughly $202 less than Clark County. Sun Valley, about five miles north, and Incline Village, about 20 miles southwest, average about $289 a month each, and Carson City, about 25 miles south, $254.
Reno is the only one of our three Nevada guides where full coverage got cheaper over the past nine months: comparing the same insurers, it fell 0.5% as GEICO cut its average 5.4% and Progressive 2.4%. Progressive’s liability-only average here, about $88 a month, is its lowest in any of the three Nevada guides we publish. Prices depend on where in Nevada you live, not just on your car and driving record.
How Reno Car Insurance Compares With Other Nevada Cities
More Nevada cities and towns are in the Nevada rates by city table, and you can compare states on our car insurance rates by state page.
In southern Nevada, Las Vegas averages $508 a month and Henderson $429, both in Clark County. For the rest of the state, from Carson City to Elko, see our guide to Nevada car insurance rates.
What Car Insurance Is Required in Reno?
Drivers in Reno follow Nevada’s rules. Every owner of a registered vehicle must keep liability insurance of at least:
- $25,000 per person and $50,000 per crash for injuries you cause to others
- $20,000 for damage you cause to other people’s property
The policy must be written for Nevada by an insurer authorized in the state, and the Nevada DMV checks coverage electronically. The liability-only prices on this page use 15/30/10 limits, Nevada’s minimum before July 1, 2018, so they’re lower than the law now requires. Our Nevada requirements guide covers the penalties for a lapse and for driving uninsured.
How to Lower Your Car Insurance Rate in Reno
- Compare GEICO and Progressive first. They have the two lowest full-coverage averages among the four major insurers we compared in Reno, about $241 and $270 a month.
- Quote several insurers. Among the four major insurers we compared in Reno, the lowest and highest averages are about $91 a month apart for the same driver and car.
- Ask for uninsured motorist coverage at your liability limits. Nevada insurers must offer it, along with at least $1,000 of medical payments coverage, under NRS 687B.145; if you turned it down before, you can add it by asking in writing. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Over the past nine months, GEICO has cut its Reno average 5.4% and Progressive 2.4%, while Allstate has raised its average 4.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Reno, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Reno Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 40 full-coverage premiums from four insurers across 10 Reno ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count and benchmark: our Nevada averages come from four insurers, fewer than in most states, so they can move a lot when one insurer changes its prices. They’re for one benchmark driver and car with 100/300/100 liability limits, 100/300 uninsured motorist coverage and $500 deductibles, so other published averages that use other drivers, cars or coverage can differ. We publish our figures as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Nevada’s minimum has been 25/50/20 since July 1, 2018, so our liability-only prices use lower limits than the law requires. Before that date the minimum was 15/30/10, the limits our liability-only package uses. Nevada doesn’t require uninsured motorist or medical payments coverage, but insurers must offer both, and it has no personal injury protection requirement.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Nevada rate studies, scaled to our benchmark driver. They aren’t included in our averages. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nevada law and the Nevada Division of Insurance. We refresh these figures when new rate data is released.
Reno Car Insurance FAQ
Car insurance in Reno, NV, costs about $285 a month ($3,421 a year) for full coverage and about $124 a month for liability-only coverage at 15/30/10 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 30% below the Nevada average of $407 a month.
Among the four major insurers we compared, GEICO has the lowest full-coverage average in Reno, at about $241 a month, followed by Progressive at $270. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the four major insurers we compared, at about $88 a month. Travelers, which statewide Nevada rate studies most often rank cheapest, comes in at about $266 a month in our Reno table once scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Reno full coverage averages about $285 a month ($3,421 a year) and Sparks about $285 ($3,420 a year), so the insurer you choose matters far more than which of the two you live in.
In our data, 89521 has the lowest full-coverage average in Reno, at about $277 a month, and 89503 the highest, at about $295. The ZIP code table on this page lists all 10.
In our Reno data, full coverage (100/300/100 with $500 deductibles) averages about $285 a month and liability-only coverage at 15/30/10 limits about $124, a difference of about $161 a month ($1,937 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Nevada law doesn’t require full coverage, but a lender or leasing company may.
Yes, for most cars. The Nevada DMV requires emission testing in Reno, Sparks and the surrounding Washoe County areas it lists, but new vehicles are exempt until their fourth registration. Your car insurance must also be in place, from an insurer authorized in Nevada, before you register.
Drivers in Reno must carry Nevada’s minimum liability coverage: $25,000 per person and $50,000 per crash for injuries you cause and $20,000 for property damage (25/50/20), from an insurer authorized in Nevada. The DMV checks coverage electronically through NV LIVE, and even a one-day lapse while your plates are active can suspend your registration.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Reno full coverage fell 0.5% over the past nine months, from about $3,439 to $3,421 a year. GEICO cut its Reno average 5.4% and Progressive 2.4%, while Allstate raised its average 4.5%. Liability-only coverage at 15/30/10 limits rose 1.2%.
For our benchmark driver, full coverage in Reno averages about $285 a month. Nearby, Las Vegas averages about $508 and Henderson about $429. Reno is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
