Car Insurance in Las Vegas, NV

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Mercury Car Insurance in Las Vegas

When it comes to car insurance, Mercury has you covered with tailored policies that meet the needs of Vegas drivers. Whether you’re cruising down the Strip, navigating the busy streets of downtown, or taking a weekend trip to Red Rock Canyon, you can drive with confidence knowing that Mercury has your back.

Why Mercury?

Local expertise: Our local agents know Nevada’s insurance laws and are ready to help you find the best policy for your needs.
Affordable rates: Living in a bustling city like Vegas can be expensive, but your car insurance doesn’t have to be. Mercury provides competitive rates and various discounts to help you save money.
24/7 claims service: Whether you’re dealing with a fender-bender on Sahara Avenue or a more serious accident on the 215 Beltway, you can file a claim anytime online or by phone.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Las Vegas?

Auto insurance isn’t just a wise choice — it’s the law in Las Vegas and throughout the state.

Legal Requirements in Las Vegas

According to the Nevada Department of Motor Vehicles, drivers are required to carry the following minimum levels of liability insurance:

$25,000 for bodily injury or death of one person in an accident
$50,000 for total bodily injury or death liability in an accident
$20,000 for property damage per accident

Bodily injury liability helps cover medical expenses, lost wages, and other costs if you injure someone in an accident, while property damage liability helps cover damage you cause to another person’s property, such as their vehicle, fences, or buildings.

Optional Coverages in Las Vegas

While meeting the minimum legal requirements is mandatory, there are optional coverages that provide you with extra peace of mind. Here are some additional coverages you might consider:

Uninsured/underinsured motorist protection: Unfortunately, not all drivers in Las Vegas carry adequate insurance. This coverage protects you if you’re involved in an accident with an uninsured or underinsured driver.
Collision protection: This pays for damage to your car resulting from a collision, whether it’s with another vehicle or an object like a fence or a tree.
Comprehensive coverage: This covers damage to your car from non-collision-related incidents, such as theft, vandalism, fire, or natural disasters, which can be particularly useful considering the occasional desert dust storms in Las Vegas.
Medical payments coverage: This helps cover medical expenses for you and your passengers in the event of an accident, regardless of who’s at fault.

What Does Las Vegas Auto Insurance Not Cover?

Knowing these exclusions can help you make informed decisions about your coverage needs and avoid any surprises down the road:

Intentional damage: Auto insurance doesn’t cover damages resulting from intentional acts. If you intentionally cause damage to your vehicle or someone else’s, your insurance will not pay for the repairs.
Regular wear and tear: Insurance policies generally don’t cover routine maintenance costs or normal wear and tear. This includes brake replacements, oil changes, and tire wear due to regular use.
Mechanical or electrical failures: Failures due to mechanical or electrical issues are usually not covered unless caused by a covered event. If your car breaks down due to a mechanical defect, you must pay for the repairs out of pocket.
Business use: Standard auto insurance policies typically exclude coverage for vehicles used for business purposes, such as ridesharing and delivery services.
Racing or speed contests: Participating in racing events or speed contests is generally excluded from coverage. Your auto insurance policy will not cover damages incurred while racing.
Personal belongings: Items inside your car, such as electronics, clothing, or other personal belongings, are typically not covered by auto insurance. These items may be covered under a separate homeowners or renters insurance policy.

Get Cheap Auto Insurance in Las Vegas from Mercury

With Mercury, you can secure comprehensive coverage without breaking the bank. Plus, you can save even more with our discounts and bundling options.

Save More with Discounts

At Mercury, we believe that safe, responsible drivers deserve to be rewarded. That’s why we offer various discounts to help you save even more on your auto insurance. Some of the discounts you may qualify for include:

Good driver discount: Have a clean driving record? Enjoy lower premiums as a reward for your safe driving habits.
Multi-car discount: Insure more than one vehicle with Mercury and receive a discount on your policy.
Good student discount: Students who maintain good grades can benefit from reduced rates.
Anti-theft feature discount: Installing anti-theft devices in your car can lower your insurance costs.

Bundling with Mercury

One of the best ways to save on auto insurance is to bundle it with other insurance policies. By bundling your auto insurance with home or renters insurance, you not only unlock additional savings but also simplify your insurance management.

Las Vegas home insurance: Protect your biggest investment with a comprehensive home insurance policy from Mercury. Our Las Vegas home insurance covers everything from fire and theft to natural disasters, ensuring you have the security you need to enjoy your home with peace of mind.
Las Vegas renters insurance: Get coverage for personal belongings, liability risks, and additional living expenses with renters insurance from Mercury.

Las Vegas Car Insurance FAQs

What is the average car insurance cost in Las Vegas?

According to Value Penguin, the average cost of car insurance in Las Vegas is $132 for minimum coverage and $278 for full coverage.

What is the best full-coverage car insurance in Las Vegas?

For the best full-coverage car insurance in Las Vegas, choose Mercury Insurance. We offer comprehensive protection tailored to the city’s unique driving conditions, backed by exceptional customer service and affordable rates. Get a quote today and experience the peace of mind that comes with best-in-class coverage.

Why is car insurance so high in Las Vegas?

Car insurance rates in Las Vegas are often high due to several factors, including a high rate of accidents, theft, and vandalism, as well as the city’s dense traffic and frequent tourism. Additionally, medical and repair costs in the area contribute to the elevated premiums.

Is Nevada a no-fault state?

Yes, you can self-insure in Nevada. However, according to the Nevada Department of Motor Vehicles, you must have more than 10 vehicles actively registered in the state to qualify for self-insurance.

What products does Mercury offer in Las Vegas?

Here are some of the products available to Las Vegas residents: