Car Insurance in Reno

There are always good times in "The Biggest Little City in the World," but make sure you get car insurance in Reno to protect yourself, those you love and your vehicle.
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Get Auto Insurance and Travel Around Reno With Confidence

Reno sees over 3.5 million visitors yearly because of its diverse attractions. Plus, 268,000 locals love it so much that they've decided to call it home. With endless traffic and activity, auto insurance is a must-have to protect your vehicle for however long you're here.

The full joys of Reno come from getting around the city and appreciating all it has to offer, which is much more than its many casinos. There are fascinating museums the whole family can enjoy, such as the National Automobile Museum or the Terry Lee Wells Nevada Discovery Museum. 

There are also scenic spots for taking in nature, including Rancho San Rafael Regional Park and the Tahoe-Pyramid Trail. With over 300 days of sunshine a year, Reno is a great place to enjoy the outdoors or ride with the top down on a convertible. No matter your pleasure, just be sure to have car insurance in Reno whenever you get behind the wheel.

Stay Safe in Reno With Your Own Properly Insured Vehicle

Despite Nevada being one of the least densely populated states. Reno sees a high percentage of its traffic and accidents because of its popularity. Recent statistics show that Reno has over 47,000 car accidents annually. About 40% of those cause injuries and property damage. For that reason, car insurance in Reno is a necessity.

Of course, the Regional Transportation Commission serves the area with a reliable bus service. While these lines run daily, only a few run 24 hours, and you must follow the specific routes, making owning your own vehicle preferable.

Make Sure You Have State-Required Coverage 

Nevada requires its drivers to carry liability insurance. The minimum coverage includes:

  • $25,000 for bodily injury or death of any individual 
  • $50,000 if bodily injury or death occurs to multiple people in a single accident
  • $20,000 for damage or destruction of others' property

The state is so serious about its insurance requirements that it does not tolerate even one day of a lapse. Anyone who lets their auto insurance expire faces a minimum $250 reinstatement fee. The state could even suspend one's registration.

The annual average cost of insurance in Reno is $1,774. This figure is slightly lower than the rest of the state but a touch higher than the national average. VIU by HUB is committed to helping you find the best rates and even beat the averages if possible.

Find Out Which Policy Fits You Best With VIU by HUB

Minimum coverage allows you to avoid breaking any laws but might not always be enough. Additional protection can limit costly expenses in the event of a collision, theft or damage from other sources. 

Comprehensive coverage covers the cost of anything that happens to your vehicle, even events outside of your control, such as natural disasters, fire, theft and vandalism. This coverage may be advisable since Reno has a property crime rate higher than the state of Nevada and a rate of vehicle theft almost double the nation's.

If you don't want or need the full protection of comprehensive, check other available plans:

  • Collision handles any damage to your car by other drivers or objects that strike your car.
  • Uninsured/underinsured motorist protection pays for damages and injuries caused by drivers with too little or no insurance.
  • Personal injury protection automatically covers your expenses, such as medical bills or funeral expenses, no matter who is at fault.

Everyone's situation is different, so you need to find the auto insurance that's right for you. Use VIU by HUB to shop for car insurance in Reno and find the coverage you need.

This information is intended for general informational purposes only and is not intended to constitute legal advice. 


Reno Gazette-Journal

Data Commons

U.S. News & World Report

Reno Tahoe USA


Battle Born Injury Lawyers

Wallet Hub

Nevada Department of Motor Vehicles

Neighborhood Scout

Auto insurance in Nevada by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.