Reno, NV
Insuring your car and home in Reno, NV
How Reno households can compare car and home coverage, with local Census data. A quote is not a binder.
In Reno (275,000 people), 67% of workers commute by driving alone, compared with 71% across Nevada. Homeownership runs at 50%.
Cars, commutes, and households in Reno
| Measure | Reno | Nevada |
|---|---|---|
| Drive alone to work | 67% | 71% |
| Carpool | 12% | 11% |
| Work from home | 12% | 12% |
| Commute of 45 minutes or more | 8% | 11% |
| Commute under 15 minutes | 33% | 23% |
| Households with no vehicle | 8% | 7% |
| Households with 3 or more vehicles | 20% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 8% of Reno commuters travel 45 minutes or more each way (Nevada: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
With 12% of Reno workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
20% of Reno households keep three or more vehicles, and 8% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Reno homes and homeowners coverage
Census figures put Reno's median home value at $548,300 (Nevada: $435,400) and its median year built at 1990. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Nevada HO-3 policyholders with $500,000–$599,999 of dwelling coverage paying an average of $1,108; the all-amounts state average was $1,013.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Nevada auto minimums that apply in Reno
Drivers in Reno must carry Nevada's minimum of 25/50/20 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in Reno
A bundle can simplify life in Reno: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Reno
Plan for monsoon flash flooding, along with long highway distances. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Reno compared with nearby cities
Sparks shows 11% working from home and a median home value of $483,800. Las Vegas: 71% drive alone, 10% commute 45+ minutes, median home $427,900. Henderson: 72% drive alone, 9% commute 45+ minutes, median home $484,900. For share of 45-minute-plus commutes, Reno is 15th of 15 Nevada cities on this site.
Reno quote checklist
- Your existing policies and renewal dates
- Annual mileage for each car
- Accidents, tickets, and claims from the last five years
- Target limits and deductibles
- Roof age and material
- Your Reno address, square footage, and year built
Questions from Reno drivers and homeowners
What auto insurance is required in Reno?
Nevada requires liability of 25/50/20; none beyond liability.
Do Reno drivers have long commutes?
About 8% of Reno workers commute 45 minutes or more and 33% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Reno?
Prices depend on the home and coverage. The NAIC's 2023 Nevada HO-3 average was $1,013; see the Nevada page.
Other city guides near Reno
Auto and home insurance in Nevada
Last updated October 15, 2026 · How we research