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.
|6||North Las Vegas||$1,900|
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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.
Find the Cheapest Car Insurance in Reno
|Rank||Company||Cost Per Year|
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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.
|Vehicle||Estimated Cost for Full Coverage|
|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.
- State Farm may include discounts for student away at school, Steer Clear safe driver discount, accident-free, Drive Safe & Save, passive restraint, good student, and good driver.
- GEICO may offer discounts for defensive driver, seat belt use, anti-lock brakes, federal employee, good student, and multi-policy.
- Allstate offers premium reductions for economy car, safe driver, passive restraint, good payer, early signing, new car, and farm vehicle.
- SAFECO has savings for safe driver, anti-theft, multi-car, homeowner, accident prevention training, and teen safety rewards.
- Farm Bureau offers discounts for youthful driver, multi-policy, good student, renewal discount, safe driver, multi-vehicle, and driver training.
- Progressive includes discounts for continuous coverage, multi-vehicle, multi-policy, good student, homeowner, and online signing.
- AAA has discounts for multi-car, multi-policy, AAA membership discount, anti-theft, pay-in-full, and good driver.
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.
- Save money by only buying liability coverage for older vehicles
- Buying your home and auto policies from the same company can earn a discount
- Too many claims can make car insurance unaffordable
- Maintain a clean driving record
- Safer vehicles generally have cheaper insurance rates
- Being accident-free can lower rates significantly
- Compare rates and switch if you can find a better deal
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.