One of the more important considerations that are looked at to help calculate auto insurance rates is where you live. More densely populated places tend to have higher auto insurance costs, whereas less populated areas have the luxury of lower rates.

The illustration below sorts the most expensive cities in Nevada to buy car insurance in. Reno is ranked at #12 with an annual rate of $1,294 for coverage, which is about $108 monthly.

Car insurance prices in Reno
Rank City Annual Rate
1 Winchester $2,094
2 Sunrise Manor $2,090
3 Paradise $2,061
4 Spring Valley $2,000
5 Enterprise $1,927
6 North Las Vegas $1,900
7 Las Vegas $1,873
8 Henderson $1,749
9 Boulder City $1,495
10 Pahrump $1,377
11 Mesquite $1,351
12 Reno $1,294
13 Sun Valley $1,266
14 Sparks $1,265
15 Spanish Springs $1,216
16 Gardnerville Ranchos $1,138
17 Fernley $1,137
18 Carson City $1,124
19 Elko $1,114
20 Dayton $1,097
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Rate information is estimated as the specific Reno residence address can impact coverage rates substantially.

Having seen where Reno ranks price-wise, determining which company has the most affordable insurance rates in Reno calls for a bit more work thank just comparing rates from one or two companies. Each insurer has a different process for setting rates, so let's examine the insurance companies with the overall cheapest rates in Reno.

It's a good idea to be aware that Reno insurance rates are influenced by many factors that control the policy price. Turning one year older, having a teenage driver, or having an at-fault accident can cause premium changes that may make certain companies more affordable than before.

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Cheapest auto insurance in Nevada ranked by cost per year
Rank Company Cost Per Year
1 Allied $921
2 Travelers $930
3 Capital $1,008
4 Oregon Mutual $1,182
5 Progressive $1,190
6 American Family $1,194
7 GEICO $1,256
8 Nationwide $1,282
9 USAA $1,284
10 Safeco $1,360
11 Farmers $1,452
12 Country $1,602
13 MetLife $1,615
14 State Farm $1,732
15 Mercury $1,753
16 Victoria $2,093
17 Liberty Mutual $2,183
18 Bristol West $2,336
19 Allstate $2,408
20 Encompass $2,630
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Allied normally has some of the most affordable car insurance rates in Reno at around $921 a year. Travelers, Capital, Oregon Mutual, and Progressive also are some of the most economical Reno, NV car insurance companies.

As depicted above, if you have coverage with Capital and switched to Allied, you could see an annual savings of about $87. Drivers with Oregon Mutual may save as much as $261 a year, and Progressive customers might see rate reductions of $269 a year.

To see if you're overpaying, click here to start your free quote or feel free to get quotes from the companies below.

These policy rates are averages for all drivers and vehicles in Nevada and do not factor in an exact location in Reno. So the car insurance company that can offer you the lowest price may not even be in the list above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The car, truck, or SUV requiring coverage is one of the primary factors when looking for the most economical car insurance in Reno. Vehicles with lots of horsepower, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.

The information below presents auto insurance costs for some of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Reno, NV
Vehicle Estimated Cost for Full Coverage
Toyota Prius $1,178
Jeep Wrangler Rubicon 4WD 2-Dr $1,192
Ford Escape XLS 2WD $1,201
Honda CR-V EX-L 4WD $1,234
Dodge Grand Caravan Hero $1,259
Ford Explorer Limited 4WD $1,283
Toyota Corolla XLE $1,327
Nissan Altima Hybrid 4-Dr Sedan $1,350
Ford Focus S 4-Dr Sedan $1,359
Nissan Rogue SL 2WD $1,350
Toyota RAV4 4WD $1,378
Toyota Camry LE $1,388
Chevrolet Impala LS $1,385
Ford Edge SE AWD $1,395
Toyota Tacoma 2WD $1,385
Volkswagen Jetta 2.0T Station Wagon $1,394
Ford F-150 XLT Crew Cab 4WD $1,406
Chevrolet Silverado LTZ Crew Cab 2WD $1,441
Toyota Camry Hybrid $1,448
Kia Optima EX $1,441
Honda Civic EX 4-Dr Sedan $1,450
GMC Sierra 3500HD SLT Crew Cab 2WD $1,464
Chevrolet Malibu LTZ $1,480
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific Reno, NV garaging location which can influence rates greatly.

Looking at the numbers, you can figure that makes and models like the Toyota Prius, Jeep Wrangler, and Ford Escape will be some of the most budget-friendly vehicles to insure for drivers in Reno.

Get discounts on Reno insurance rates

Auto insurance companies that offer cheap quotes in Reno may provide premium discounts that can lower rates by as much as 25% or more if you qualify for them. The best insurance companies and their offered discounts are outlined below.

The illustration below illustrates the comparison of car insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, passive restraint, defensive driving course, accident-free, multiple policy, and marriage discounts applied. When taking advantage of discounts, theamount saved on insurance in Reno is 28% or $401.

How to find cheaper auto insurance in Reno

The list below summarizes some of the better thrifty ideas that can help Nevada drivers quote cheaper auto insurance.

The last tip is highly significant, as we stressed in this write-up. Rates change constantly, so don't be unwilling to switch to a new company if you can save money. Sticking with a specific company is fine, but it's not recommended if that faithfulness ends up costing you a wad of cash every year. It only take a few minutes to compare prices and find cheaper insurance in Reno.