GoAuto offers low-cost car insurance for Reno, NV drivers, including nonstandard and high-risk drivers other companies turn away. Nevada requires 25/50/20 minimum coverage, and GoAuto can quote a low-cost policy in minutes. Get a free quote to see your rate.
GoAuto is a good fit for Reno drivers who need low-cost or nonstandard coverage, including SR-22, high-risk, or a prior lapse. Here’s how:
Car insurance costs in Reno depend on your coverage level, your vehicle, your driving record, and your ZIP code, so there is no single price that applies to everyone. As a statewide benchmark, Nevada drivers pay an average of about $80 per month for state-minimum coverage and about $152 per month for full coverage (MoneyGeek, 2026 data). Your own rate may be higher or lower.
About 8.8% of Nevada drivers were uninsured as of 2022 (Insurance Information Institute), which is one reason uninsured and underinsured motorist coverage matters here.
| Coverage level | Nevada average, per month (MoneyGeek, 2026) |
|---|---|
| State minimum (25/50/20) | About $80 |
| Full coverage | About $152 |
Statewide averages for a sample driver profile; your rate varies by driver, vehicle, and ZIP code
Nevada law requires every driver to carry at least the following liability coverage, often written as 25/50/20: For official guidelines on state requirements and registration, you can visit the official Nevada Department of Motor Vehicles website.
| Coverage | Nevada minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| $20,000 | |
| Property damage liability |
These are state minimums. Higher limits are recommended, because the cost of a serious accident can easily exceed them. GoAuto can help you choose the right limits while keeping your premium low.
Yes. Car insurance is mandatory in Nevada, and Reno is no exception. Nevada is an at-fault (tort) state, not a no-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage. Driving without insurance in Nevada can lead to fines, reinstatement fees, suspension of your vehicle registration and license, and an SR-22 filing requirement. If you need an SR-22, GoAuto can help you file fast and stay covered.
A Reno car insurance policy can include several types of coverage:
Nevada’s state minimum only covers liability, so it will not repair your own car or protect you against an uninsured driver. GoAuto can build a low-cost policy around what you actually need
We specialize in providing Reno residents with personalized car insurance solutions. Here’s why drivers in Reno trust us:
Stay compliant with Nevada’s state requirements with liability insurance that covers damages and injuries you may cause to others in an accident.
Accidents can happen when you least expect them. With collision coverage, repair costs for your vehicle are covered, regardless of fault.
Protect your car from non-collision events such as theft, vandalism, and weather-related damage, including snowstorms and flooding.
Ensure peace of mind in case of an accident with a driver who has insufficient or no insurance coverage.
GoAuto Insurance writes auto coverage across its licensed states, including Nevada, and considers drivers with a range of records, including tickets, accidents, DUIs, and coverage lapses. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and can handle SR-22 filing once your policy is active. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so the best way to see what applies to you is to get a quote. You can also call 833-700-0000.
Car insurance rates in Reno vary widely depending on your driving history, vehicle type, age, and even your ZIP code. While it’s difficult to say who has the absolute cheapest rate, GoAuto Insurance helps you save through its direct-to-consumer model with no commissioned agents, no unnecessary add-ons, and customizable payment options that fit your budget. Instead of one-size-fits-all pricing, GoAuto Insurance focuses on providing essential coverage at affordable rates so you can stay protected on the road without paying for extras you don’t need.
Not necessarily. Larger, national companies often spend heavily on advertising and brand recognition. These costs can be reflected in their premiums. Regional providers like GoAuto Insurance operate with lower overhead and more local insight, allowing competitive rates tailored to Reno drivers. We understand the factors that affect drivers, from coastal weather conditions to urban traffic patterns, helping us design coverage that’s practical, cost-effective, and straightforward.
The best way to lower your car insurance in Reno is to choose a policy that matches your actual needs. Review your current coverage to make sure you’re not paying for extras that don’t apply to you. Maintaining a clean driving record, opting for higher deductibles, and exploring discount opportunities can also make a difference. At GoAuto Insurance, we keep things simple — offering flexible payment plans and affordable coverage options without the hidden costs. You can explore money-saving tips and car insurance insights on our blog to make informed decisions about your coverage.
The best way to lower your car insurance in Reno is to choose a policy that matches your actual needs. Review your current coverage to make sure you’re not paying for extras that don’t apply to you. Maintaining a clean driving record, opting for higher deductibles, and exploring discount opportunities can also make a difference. At GoAuto Insurance, we keep things simple — offering flexible payment plans and affordable coverage options without the hidden costs. You can explore money-saving tips and car insurance insights on our blog to make informed decisions about your coverage.
GoAuto specialises in low-cost car insurance for Reno drivers, including drivers other companies turn away. Your cheapest option depends on your coverage level and driving history. Get a free quote to see your low-cost rate
There is no single monthly price, because your rate depends on your coverage level, your vehicle, your driving record, and your ZIP code. As a statewide benchmark, minimum coverage in Nevada averages about $80 per month and full coverage about $152 per month (MoneyGeek, 2026 data). For a figure based on your details, contact GoAuto.
It is on the higher end and usually reflects full coverage, a newer vehicle, or driving-record factors. You may be able to lower it – GoAuto can quote a low-cost option for your situation.
In most cases yes. Car insurance generally follows the vehicle, so a friend or family member driving with your permission is usually covered up to your policy limits. Check the permissive-use terms on your GoAuto policy.
Nevada requires 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage.
No. Nevada is an at-fault (tort) state, so the driver who causes the accident is responsible for the damages.
Don’t wait to secure reliable car insurance. Call us at 833-700-0000, visit our local company office near you, or request a free quote online.