Car Insurance Cost in Reno, NV – Cheapest Rates for 150+ Vehicles

• Average car insurance cost in Reno is $2,570 per year, or approximately $214 per month.
• Auto insurance rates for a few popular vehicles in Reno include the Tesla Model 3 at $3,020 per year, Hyundai Elantra at $2,796, and Chevrolet Silverado at $2,842.
• SUV models like the Honda CR-V, Buick Envision, and Kia Soul are the top picks for cheap car insurance in Reno.
• Models with segment-leading auto insurance rates include the Kia K5, Chevrolet Tahoe, Nissan Titan, and Chevrolet Colorado.
• Car insurance quotes in Reno can range from as little as $33 per month for liability-only insurance to over $685 per month for teenagers and other high-risk drivers.

How much does car insurance cost in Reno?

In Reno, the average car insurance expense is $2,570 per year, which is 14.6% more than the overall U.S. national average rate of $2,221. Per month, Reno car insurance costs approximately $214 for a policy with full coverage.

In the state of Nevada, the average car insurance cost is $2,820 per year, so the cost in Reno averages $250 less per year. The average cost to insure a car in Reno compared to other Nevada cities is about $880 per year cheaper than in Las Vegas, $10 per year more expensive than in Sparks, and $564 per year cheaper than in Henderson.

The chart below shows average Reno car insurance rates for 2024 model year vehicles not only for different driver ages, but also for different physical damage coverage deductibles.

The average cost of auto insurance per month in Reno is $214, with policy premium ranging from $151 to $502 for the data in the chart above.

Reno auto insurance rates can vary considerably and are impacted by a lot of factors. The potential for large variability emphasizes the need to get accurate car insurance quotes when shopping online for the cheapest Reno auto insurance.

The age of the rated driver is the largest factor that influences the price you pay for car insurance, so the list below illustrates this by showing average car insurance rates in Reno for different driver ages.

Average car insurance cost for Reno, Nevada, drivers age 16 to 60

• 16-year-old driver – $9,158 per year or $763 per month
• 17-year-old driver – $8,871 per year or $739 per month
• 18-year-old driver – $7,950 per year or $663 per month
• 19-year-old driver – $7,240 per year or $603 per month
• 20-year-old driver – $5,174 per year or $431 per month
• 30-year-old driver – $2,742 per year or $229 per month
• 40-year-old driver – $2,570 per year or $214 per month
• 50-year-old driver – $2,280 per year or $190 per month
• 60-year-old driver – $2,136 per year or $178 per month

Reno’s favorite vehicles and the cost to insure them

The auto insurance rates referenced up to this point take the cost to insure each 2024 vehicle model and average them, which is practical for making generalized comparisons such as the cost for different driver ages or locations.

Average car insurance rates work well for getting the answer to questions like “are Reno auto insurance rates cheaper than in North Las Vegas?” or “are auto insurance rates in Nevada cheaper than in Texas?”.

For more accurate price comparisons, however, the cost data will be more precise if we use rates for the specific make and model of vehicle being insured. Every make and model has a slightly different risk profile for determining how much it costs to insure it and this data makes it possible to perform detailed cost analysis.

The list below shows both annual and monthly auto insurance rates in Reno for a small sample of popular cars, pickups, and SUVs. Later on in this article, we’ll examine additional factors that affect the cost of insuring some of these models in more detail.

Car insurance cost for popular models in Reno

• Tesla Model 3 – $3,020 per year or $252 per month
• Hyundai Elantra – $2,796 per year or $233 per month
• Chevrolet Silverado – $2,842 per year or $237 per month
• Jeep Grand Cherokee – $2,570 per year or $214 per month
• Honda Civic – $2,276 per year or $190 per month
• Ford F150 – $2,874 per year or $240 per month
• Ram Truck – $2,974 per year or $248 per month
• Honda Accord – $2,486 per year or $207 per month
• GMC Sierra – $2,842 per year or $237 per month
• Subaru Outback – $2,190 per year or $183 per month

What vehicles have the cheapest car insurance in Reno?

The models with the best car insurance rates in Reno tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks. Average auto insurance quotes for those small SUVs cost $2,090 or less per year ($174 per month) for a policy with full coverage.

Other vehicles that are highly ranked in our car insurance price comparison are the Honda HR-V, Subaru Outback, Ford Bronco Sport, and Volkswagen Tiguan. The average insurance cost is slightly more for those models than the crossovers and small SUVs that rank near the top, but they still have an average cost of $2,240 or less per year ($187 per month) in Reno.

The table below lists the 20 cars, trucks, and SUVs with the cheapest insurance rates in Reno, sorted by average cost.

The table above that contains 20 vehicles with the cheapest insurance in Reno is not really the best way to show a comprehensive summary of Reno insurance rates. A more efficient way to examine car insurance rates in a practical manner is to sort them by automotive segment.

The next section details the average cost of auto insurance for each different vehicle segment. The average rates shown in the chart should give you a good foundation of which vehicles have the overall least expensive Reno car insurance rates. The sections following the chart break out the models with the most affordable car insurance in each automotive segment.

Reno car insurance rates by automotive segment

When comparing new or used vehicles, it’s useful to have an idea of which styles of vehicles are cheaper to insure. For instance, many people wonder if midsize cars are cheaper to insure than midsize SUVs or which size of luxury car has costs less to insure.

The next chart shows average auto insurance cost by vehicle segment in Reno. From a segment perspective, compact SUVs, vans, and midsize pickups tend to have the most affordable rates, with exotic performance models having the most expensive overall rates.

Average rates by automotive segment are handy to make an overall comparison, but cost varies quite significantly within each vehicle segment displayed in the previous chart.

For example, in the midsize car segment, rates range from the Kia K5 at $2,480 per year to the Tesla Model 3 costing $3,020 per year, a difference of $540 within that segment.

For another example, in the large luxury SUV segment, the cost of insurance ranges from the Infiniti QX80 costing $2,884 per year to the Mercedes-Benz G63 AMG costing $5,528 per year.

In the following sections, we eliminate a lot of this variability by looking at the cost of auto insurance in Reno for individual vehicle models.

Cheapest car insurance rates in Reno, Nevada

The most affordable sedans and hatchbacks to insure in Reno are the Toyota GR Corolla at $2,232 per year, the Nissan Leaf at $2,254 per year, and the Honda Civic at $2,276 per year.

Not the cheapest cars to insure, but still affordable, are cars like the Chevrolet Malibu, Toyota Prius, Honda Accord, and Toyota Corolla, with average annual insurance rates of $2,504 per year or less.

From a cost per month standpoint, full-coverage car insurance on this segment in Reno for the average driver can cost as low as $186 per month, depending on your location and insurance company.

When the car segment is analyzed by vehicle size, the lowest-cost compact car to insure in Reno is the Toyota GR Corolla at $2,232 per year, or $186 per month. For midsize cars, the Kia K5 has the best rates at $2,480 per year, or $207 per month. And for full-size cars, the Chrysler 300 is most affordable to insure at $2,450 per year, or $204 per month.

The table below ranks the twenty cars with the lowest-cost insurance in Reno.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Nevada.

Cheapest SUV insurance rates in Reno

The top four non-luxury SUVs with the cheapest average auto insurance rates in Reno are the Subaru Crosstrek at $1,898 per year, Chevrolet Trailblazer at $1,934 per year, Kia Soul at $2,008 per year, and Nissan Kicks at $2,026 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Hyundai Venue, with average cost of $2,108 per year or less.

On a monthly basis, auto insurance rates in Reno on this segment for a safe driver starts at around $158 per month, depending on where you live and the company you use.

The most budget-friendly compact SUV to insure in Reno is the Subaru Crosstrek at $1,898 per year. For midsize SUVs, the Honda Passport has the best rates at $2,048 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,416 per year.

The table below ranks the twenty SUVs with the cheapest average auto insurance rates in Reno, starting with the Subaru Crosstrek at $1,898 per year and ending with the Subaru Ascent at $2,236 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Is your SUV missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Reno car insurance quotes from the best car insurance companies in Nevada.

Cheapest pickups to insure in Reno

The most affordable pickups to insure in Reno are the Chevrolet Colorado at $2,264 per year, the Nissan Titan at $2,404 per year, and the Nissan Frontier at $2,432 per year.

Some other pickups that have cheaper rates are the Toyota Tacoma, GMC Canyon, GMC Sierra 2500 HD, and Honda Ridgeline, with an average cost to insure of $2,648 per year or less.

On a monthly basis, full-coverage car insurance in this segment for an average middle-age driver can cost as low as $189 per month, depending on your company and location. The comparison table below ranks the pickups with the lowest-cost average insurance rates in Reno.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Looking for rates for a different pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Reno car insurance quotes from top-rated car insurance companies in Nevada.

Cheapest sports car insurance rates in Reno

Ranking in the top five for the cheapest Reno auto insurance rates in the sports car segment are the Subaru WRX, Toyota GR86, Mazda MX-5 Miata, Ford Mustang, and BMW Z4. Auto insurance prices for these models average $2,884 or less per year.

Other models that rank well include the Toyota GR Supra, Subaru BRZ, Nissan Z, and BMW M2, with average insurance cost of $3,074 per year or less.

Car insurance rates in this segment for a middle-age safe driver starts at an average of $198 per month, depending on the company and your location.

The table below ranks the sports cars with the lowest-cost insurance in Reno, starting with the Mazda MX-5 Miata at $2,380 per year ($198 per month) and ending with the Porsche Taycan at $4,358 per year ($363 per month).

Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Reno.

Cheapest luxury cars to insure in Reno, NV

The #1 ranking in Reno for the most affordable average insurance rates in the luxury car segment is the Acura Integra, at an average of $2,286 per year. Second place is the BMW 330i costing $2,618 per year, and ranking third is the Mercedes-Benz CLA250, costing an average of $2,646 per year.

Some other luxury cars that have affordable insurance rates include the Cadillac CT4, Mercedes-Benz AMG CLA35, Lexus ES 350, and Lexus RC 300, with average annual insurance rates of $2,704 per year or less.

Some additional vehicles worth mentioning include the Lexus RC 350, Lexus ES 300h, Lexus ES 250, and BMW 230i, which average between $2,704 and $2,884 per year for insurance.

Auto insurance rates in this segment for a good driver starts at an average of $191 per month, depending on where you live and the company you use.

When ranked by vehicle size, the most budget-friendly small luxury car to insure in Reno is the Acura Integra at $2,286 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,646 per year. And for large luxury car models, the Audi A5 has the best rates at $3,054 per year.

The comparison table below ranks the luxury cars with the cheapest car insurance rates in Reno, starting with the Acura Integra at $2,286 per year and ending with the Audi S3 at $2,884 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Reno car insurance quotes from top companies in Nevada.

Cheapest luxury SUV insurance rates in Reno

The top five models for the most affordable Reno auto insurance rates in the luxury SUV segment are the Cadillac XT4, Lexus NX 250, Acura RDX, Cadillac XT5, and Jaguar E-Pace. Rates for these models average $202 or less per month.

Some other luxury SUVs that have affordable insurance rates include the Lincoln Corsair, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus UX 250h, with average rates of $2,478 per year or less.

Ranked from 10th to 20th place, SUVs like the Lexus NX 350, Infiniti QX50, Acura MDX, Land Rover Evoque, and Infiniti QX60 cost between $2,478 and $2,580 per year for insurance.

As a cost per month, car insurance rates in this segment for an average middle-age driver starts at around $179 per month, depending on your location.

If ranked by vehicle size, the most budget-friendly small luxury SUV to insure in Reno is the Acura RDX at $2,148 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,404 per year. And for large luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $2,884 per year.

The next table ranks the twenty luxury SUVs with the cheapest average insurance rates in Reno.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Is your luxury SUV missing from the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Reno car insurance quotes from the best companies in Nevada.

Tips for cheaper Reno auto insurance rates

Reno drivers are always looking to save money on car insurance, so take a minute or two to look through the money-saving ideas in the list below and maybe you can save a few bucks when buying auto insurance.

• Get cheaper rates because of your occupation. The large majority of car insurance companies offer discounts for specific professions like police officers and law enforcement, doctors, lawyers, architects, emergency medical technicians, firefighters, and others. Obtaining this discount may save between $77 and $250 on your car insurance bill, depending on your age.
• More discounts means cheap auto insurance rates. Savings may be available if the policyholders insure their home and car with the same company, work in certain occupations, are good students, are senior citizens, are loyal customers, or many other discounts which could save the average Reno driver as much as $432 per year on the cost of auto insurance
• Careless drivers spend more for auto insurance in Reno. Causing frequent accidents will increase insurance cost, possibly by an extra $3,674 per year for a 20-year-old driver and even $630 per year for a 60-year-old driver. So drive safe and save money!
• Choose a vehicle with more affordable auto insurance rates. The vehicle you choose to drive is one of the primary factors in the price you pay for auto insurance. For example, a Hyundai Venue costs $2,918 less per year to insure in Reno than a Nissan GT-R. Insure lower performance vehicles to save money.
• Compare car insurance quote before buying a car. Different cars, trucks, and SUVs have significantly different auto insurance rates, and car insurance companies can sell policies with a wide range of costs. Check the cost of insurance before you buy a new vehicle so you can avoid price shock when buying insurance.