Car Insurance in Las Vegas, NV

Enter your zip code below to start your quote

Find an Agent

Tell us about your residence

Welcome back!

You can pick up from where you left by retrieving your quote below.

Search by Quote ID →

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. Plus, you can enjoy big savings with our exclusive discounts, including multi-policy, multi-car, and paid-in-full discounts.

Why Choose Mercury in Vegas?

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.

How to Get Car Insurance in Las Vegas

Getting car insurance in Las Vegas is easier than you think. Mercury Insurance is always here to help you find the right coverage without the hassle. Whether you’re just looking for the basics or want full protection, we’ve got you covered.

Get started today by reaching out to one of our Las Vegas agents or giving us a call at (877) 292-9762.

Portrait of woman enjoying road trip in open top classic car

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:

Homeowner discount: Save up to 17% on your auto insurance if you own a home or condo.
Multi-car discount: Insure multiple vehicles under the same policy and save up to 21%.
3-year accident/violation-free discount: Stay accident- or violation-free for three years and save up to 9%.
Paid in full discount: Pay your premium upfront and save up to 14%.
Automatic payment discount: Enroll in auto-pay and save 1%.
5-year accident-free discount: Drive accident-free for five years and save up to 18%.
Continuous insurance discount: Maintain active coverage without lapses to save up to 18%.
E-signature discount: Sign all your documents electronically and save 3%.

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.

Top Rated Auto Insurance in Vegas

For years, Mercury has been helping Las Vegas drivers find affordable, reliable car insurance that fits their needs. We’re proud to be a trusted name in auto insurance, offering great rates, customizable coverage, and a team of local experts who understand what Vegas drivers cafe on the road.

Don’t just take our word for it. Read what real customers have to say about their experiences with Mercury and see why we’re a top choice for car insurance in Vegas.

Learn More About Car Insurance

Want to dive deeper into car insurance tips, savings strategies, and coverage options? Check out these blogs to learn everything you need to know about protecting your vehicle and saving money:

Meeting with real estate agent The Power of Combining Home and Auto Insurance to Save Money