Auto Insurance Quotes for Reno, NV

Finding budget-friendly car insurance in Reno, NV, can give drivers in this lively city more peace of mind. Whether you commute to work, drive downtown for entertainment, or take a weekend road trip to Lake Tahoe, Access Insurance Agency of Nevada, LLC (A Abana) can help you find the right coverage for your needs. 

Auto insurance in Reno can be simple and easy with A Abana’s perks: 

• Spanish-bilingual agents ready to help 
• Same-day proof of insurance (once policy is bound) 
• Flexible payment plans 
• We accept cash and credit 
• SR-22 filing services 
• Qualifying discounts 
• Quotes from multiple insurance companies at once 
• Affordable rate options 

To find car insurance that doesn’t break the bank, call us at 214-764-8868, get a free car insurance quote online, or visit our Reno locations on Plumb Lane or Wells Avenue. 

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What affects your car insurance rates in Reno, NV 

How much you pay for car insurance in the “Biggest Little City in the World" depends on a few factors: 

• Your driving record: Drivers with an established history, showing a lack of infractions or accidents, tend to pay less for car insurance. 
• Your age: Teen drivers or new drivers may pay more for car insurance. 
• Location: Rates can be higher in areas with more density. Crime rates in your ZIP code may also affect rates.  
• Vehicle type: Luxury and high-performance vehicles may be more expensive to insure. However, vehicles with safety features and good crash ratings may have lower premiums. 
• Your coverage choices: If you opt for the minimum insurance required in Nevada, you may pay less. However, you may have to deal with the high cost of accidents not covered by your policy. 

Lower your rates with discounts 

A Abana works with multiple insurance companies to help you find ways to save. You may qualify for a discount for: 

• Being a good student 
• Having a clean driving record 
• Bundling multiple vehicles in one policy 
• Maintaining continuous coverage 
• Switching providers 
• Paying for your policy in full 
• Taking an approved defensive driving class 

To learn more about how you could save on car insurance in Nevada, call us at 214-764-8868. 

Nevada car insurance requirements 

The state of Nevada requires drivers to carry liability insurance, according to the Nevada Department of Motor Vehicles. The minimum liability limits in Nevada are commonly known as “25/50/20” because drivers must carry: 

• $25,000 for bodily injury to another person  
• $50,000 for bodily injury per accident  
• $20,000 for property damage to a third party 

Some drivers opt for higher limits since the mandated minimums may not be enough to cover a costly covered accident. Liability insurance doesn’t cover your injuries or damages to your own vehicle. For that, drivers opt for a “full coverage” insurance policy, which includes collision and comprehensive coverage. 

Reno drivers may show proof of insurance as a printed card or as an electronic format on their mobile device. 

Personalize your car insurance coverage 

Choose coverage that takes into account your budget and needs. These are the types of car insurance Reno drivers can add to their policy: 

• Collision coverage: This helps pay for repairs to your vehicle after a covered traffic accident, such as a car crash. Collision coverage applies regardless of who is the driver at fault. 
• Comprehensive coverage: This helps pay for vehicle damages caused by a covered event, such as a theft, vandalism, extreme weather, animal damage, etc. 

If you own a luxury or newer vehicle, you may want to opt for the coverages listed above. They can be a financial safety net in case you park your vehicle in an area with high theft rates or have your car exposed to potential wildfires, floods, etc. 

• Uninsured/underinsured motorist coverage (UM/UIM): These coverages help pay for medical costs, lost wages, and other losses when another at-fault driver has no insurance or not enough insurance. Nevada law requires insurers to offer it, according to the Nevada Division of Insurance. While recommended, drivers may decline it in writing. 
• Medical payments (MedPay): MedPay helps cover the costs of injuries you or your passengers sustained after a covered accident, regardless of who is at fault. 
• Roadside assistance: This can help pay for towing services, vehicle lockout assistance, blown tire services, etc. 

Need an SR-22? We file it fast 

If you’re a driver with a less-than-perfect record, you may need to carry an SR-22 in Nevada, a certificate proving you meet the mandatory minimums. A Abana is here to help you through the process. We offer: 

• Same-day electronic filing 
• Same-day SR-22 proof of insurance (once policy is bound and payments received) 
• Non-owner SR-22 (for drivers required to carry it who don’t own a vehicle) 

Keep in mind that an SR-22 is not an insurance policy. You'll still need coverage that meets the mandated minimums. If your policy expires, the SR-22 may no longer be valid.  

Speak with a trusted agent for more information. Call us at 214-764-8868. 

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Areas we serve 

A Abana serves thousands of customers across Nevada, including: 

• Reno 
• Sparks 
• Sun Valley 
• Cold Springs 
• Verdi 

Looking for low-cost car insurance in Nevada? Visit one of our agencies. Reno residents can stop at our Plumb Lane or Wells Avenue locations. 

Quick answers before getting your quote 

What are Nevada’s minimum car insurance requirements? 

In Nevada, drivers need liability insurance that meets these minimums: $25,000 for bodily injury to another person, $50,000 for bodily injury per accident, and $20,000 for property damage to a third party. Insurance companies will also offer UM/UIM coverage, which you may decline in writing. 

How much is car insurance in Reno, NV? 

Car insurance rates vary depending on your age, gender, zip code, vehicle type, and the types of car insurance coverage you choose. A Abana can help you find an affordable rate. Get a free car insurance quote online.  

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How fast can I get proof or SR-22 filing? 

With A Abana, you can get same-day digital proof of insurance and electronic SR-22 filing services. Same-day proof applies once your policy is bound and initial payments are received.  

Does A Abana accept foreign or temporary licenses? 

Yes! We accept US licenses, licenses from other countries, Matricula Consular, temporary licenses, and drivers without a license, depending on the insurance carrier you choose. 

Find low-cost coverage with A Abana 

Are you a driver wondering, how can I find cheap car insurance in Reno? Let A Abana help you find affordable coverage. We offer: 

• Assistance from Spanish-bilingual agents 
• Quotes from multiple carriers at once 
• Same-day proof of insurance (Once your policy is set up) 
• Cash or card payments accepted 
• Low downpayment options (Depending on the carrier you choose) 
• No appointments needed 

To get started, call one of our helpful agents at 214-764-8868, get a free car insurance quote online, or visit one of our Reno locations! 
 

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Disclaimer:   

This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.