Buy Cheap Reno, NV Auto Insurance in 2024
The cheapest Reno, NV auto insurance is offered from Nationwide, although rates will vary for each driver. Auto insurance in Reno, NV must meet the state minimum requirements of 25/50/20 in liability coverage. Uninsured motorist coverage is also required, but drivers can opt-out if they wish. Compare Reno, NV car insurance quotes online to find the best deal.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Nationwide offers the cheapest Reno, NV auto insurance on average
- High auto insurance rates in Nevada are partly due to theft and collisions
- Drivers can op-out of uninsured motorist coverage but 10 percent of drivers are uninsured in Nevada
Reno, NV auto insurance is higher than the national average. Although Nevada auto insurance, in general, is higher than the national average also, drivers in Reno fall between the state and national averages.
Before you buy Reno, NV auto insurance, shop around and compare rates to find the best coverage at the price that’s right for you.
Enter your ZIP code now to compare Reno, NV auto insurance rates.
What is the cheapest auto insurance company in Reno, NV?
Although the cheapest auto insurance in Reno comes from USAA, it only offers coverage to members of the military, veterans, and their families. The company that offers the cheapest auto insurance to everyone in Reno is Nationwide.
These are the top-rated Reno, NV auto insurance companies ranked from least to most expensive:
- USAA – $2,747.00
- Nationwide – $3,084.63
- Geico – $3,569.68
- Progressive – $3,631.66
- Allstate – $4,306.46
- American Family – $4,534.60
- Travelers – $4,819.13
- State Farm – $5,084.12
- Farmers – $5,136.17
- Liberty Mutual – $5,168.67
These are average rates, but there are many different factors that will affect your auto insurance rates in Reno. Factors used to calculate your rates include age, gender, marital status, driving record, and credit history.
Where you live also plays a part in your auto insurance rates. For example, although coverage in Reno is cheaper than Las Vegas car insurance, auto insurance rates in a large city will be more expensive.
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What auto insurance coverage is required in Reno, NV?
Almost every state, including Nevada, has a minimum amount of auto insurance that drivers must carry.
The minimum amount of auto insurance drivers in Reno, NV need is:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $20,000 per incident for property damage
- $25,000 per person and $50,000 per incident for uninsured motorist coverage
In Nevada, you can opt-out of the uninsured motorist coverage if you choose by making a statement in writing.
Drivers should consider increasing these limits as they can be exhausted quickly in a serious accident.
What affects auto insurance rates in Reno, NV?
The amount of traffic on the roads and the amount of auto theft in the area play a part in the high auto insurance rates drivers in Reno, NV face.
INRIX ranks Reno as the 133rd most congested city in the world. That means traffic is not too bad.
In fact, City-Data reports that the average commute in Reno is 20 minutes, and most drivers prefer to make that commute alone.
Auto theft can also raise auto insurance rates. According to the FBI, in one there were 1,432 motor vehicle thefts in Reno, NV.
Reno, NV Auto Insurance: The Bottom Line
Although auto insurance costs are about average, drivers still want to find affordable Reno, NV auto insurance. Shop around for the best coverage at the cheapest prices.
Enter your ZIP code now to compare Reno, NV auto insurance quotes.
Frequently Asked Questions
What factors can affect the cost of auto insurance in Red Rock, AZ?
Several factors can influence the cost of auto insurance in Red Rock, AZ. These factors include your driving record, age, gender, the type of vehicle you drive, your location, the coverage options you choose, and your credit history.
How can I find cheap auto insurance in Red Rock, AZ?
To find cheap auto insurance in Red Rock, AZ, consider the following steps:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record and avoid traffic violations.
- Opt for a higher deductible, if financially feasible, as it can lower your premium.
- Take advantage of available discounts such as safe driver discounts, multi-policy discounts, and anti-theft device discounts.
- Consider bundling your auto insurance with other insurance policies to potentially save money.
What are the minimum auto insurance requirements in Red Rock, AZ?
The minimum auto insurance requirements in Arizona, including Red Rock, are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
Are there any additional coverage options I should consider for my auto insurance in Red Rock, AZ?
While the minimum requirements provide basic coverage, it’s often beneficial to consider additional coverage options such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. These can provide greater financial protection in case of accidents, theft, or injuries.
Can my credit history affect my auto insurance rates in Red Rock, AZ?
Yes, in most states, including Arizona, your credit history can impact your auto insurance rates. Insurance companies often use credit-based insurance scores as a factor when determining premiums. Maintaining a good credit score can potentially help you secure lower insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.