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Search by Quote ID → Search by Date of BirthNevada Car Insurance
Whether you’re cruising the bright streets of Las Vegas or driving through Nevada’s more peaceful stretches, having car insurance isn’t just a smart move — it’s the law. At Mercury, we make sure you’re covered with the right protection at a price that fits your budget.
Auto Insurance Requirements in Nevada
In Nevada, every driver must meet the state’s minimum liability requirements to stay on the road legally. The state’s mandatory coverages include:
- Bodily injury liability: Nevada requires $25,000 per person and $50,000 per accident. This covers medical expenses for other drivers and passengers when you’re at fault.
- Property damage liability: Nevada requires $20,000 per accident. This takes care of damages to other vehicles or property if you’re at fault.
These are just the minimums. You can also add optional auto insurance coverages for extra peace of mind, including:
- Collision protection: Covers repairs to your car if it’s damaged in an accident, regardless of who’s at fault.
- Comprehensive coverage: Protects your vehicle from non-collision-related incidents like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Helps pay for injuries or damage caused by drivers who don’t have enough insurance or none at all.
- Personal injury protection (PIP): Covers medical expenses and lost wages for you and your passengers after an accident, no matter who is at fault.
- Medical payments coverage: Helps pay for medical expenses for you and your passengers, regardless of who caused the accident.
What Is Full Coverage Car Insurance in Nevada?
Full coverage car insurance typically refers to policies that combine liability coverage with additional protection like collision and comprehensive insurance. In Nevada, having full coverage means you’re prepared for just about anything — whether it’s a minor fender bender or damage from a sudden desert storm. Mercury can help you find the right combination of coverages that suit your needs and budget, so you’re never caught off guard.
How Much Is Car Insurance in Nevada?
According to Bankrate, the average cost of minimum car insurance in Nevada is about $85 per month, while full coverage can run around $265 per month. However, keep in mind that these are just averages. Your actual rate could be higher or lower depending on several factors.
Get Car Insurance Savings & Discounts in Nevada
At Mercury, we believe in helping you save money while keeping you fully protected. If you’re a driver in Nevada, there are plenty of ways to lower your car insurance costs with our wide range of discounts. For example:
- Homeowner Discount: If you own a home or condo, you can save up to 17% on your auto insurance.
- Multi-Car Discount: Got more than one vehicle? You can save up to 21% by insuring them all under the same policy.
- 3-Year Accident/Violation-Free Discount: Stay accident- or violation-free for three years, and you can enjoy up to 9% discount.
- Paid in Full Discount: Pay your premium in one lump sum, and you could save up to 14%.
- Automatic Payment Discount: Set up auto-pay from your checking account and save 1%.
- 5-Year Accident-Free Discount: If you’ve been accident-free for five years, you may qualify up to 18% discount.
- Continuous Insurance Discount: Keep your insurance active without any lapses, and you can save up to 18%.
- E-signature Discount: Save 3% by signing all your documents electronically.
You can also bundle your car insurance with other policies, like homeowners or renters insurance, for even more savings. Contact your local agent today to see which discounts you’re eligible for.
How to Get Car Insurance in Nevada
Getting car insurance in Nevada is simple. To get started, find a local Nevada agent near you. Our knowledgeable agents will guide you through the process and answer any questions you have about your coverage options.
Prefer to talk to someone directly? Give us a call at (800) 933-1469 and we’ll help you get a personalized quote. You can also start a quote online.
Factors Affecting Car Insurance Rates in Nevada
When it comes to your car insurance rates, some things are out of your control, but others can be managed. Several factors can influence rates, including:
- Driver’s age: Younger drivers, particularly teens, often pay higher rates because Insurance companies see them as a higher risk due to their lack of experience on the road.
- Driving history: A clean driving record can save you money. If you have no accidents, tickets, or violations, you’re likely to enjoy lower premiums. On the flip side, a history of speeding tickets or accidents could increase your rates.
- Credit score: Insurance companies often use your credit score as a factor in determining how risky you are to insure. Higher credit scores may lead to better rates and vice versa.
- Vehicle type: Newer, luxury, or high-performance vehicles tend to be more expensive to insure due to higher repair costs and greater theft risk. On the other hand, cars with high safety ratings or lower market values might save you money.
- Location: Drivers in urban areas like Las Vegas or Reno usually pay more due to higher traffic volumes, accident rates, and theft risks. Rural areas in Nevada often come with lower rates.
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Annual mileage: The more you drive, the higher your chances of being involved in an accident, which could raise your premium.
Top Rated Auto Insurance in Nevada
Nevada drivers trust Mercury to deliver quality coverage at affordable prices. With over 60 years of experience, Mercury has earned a reputation for excellence, winning numerous awards along the way. We were named one of America’s Most Trustworthy Companies by Forbes and recognized as Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power U.S. Digital Experience Study. Read about their experiences.
But don’t just take our word for it. Here’s what Nevada drivers have to say:
Best value and price amoung all other insurers
from Mercury Customer
Grasper001 in Las Vegas
I was amazed that my new Mercury Auto Insurance rate is still the lowest amoung all other carriers.
A+ Roadside
from Mercury Customer
OhSee in Las Vegas
Quickest roadside process after all info given to agent. Call placed - tow arrived -dropped at shop - and home, in an hour.
I would definitely buy this product again
from Mercury Customer
Mase in Las Vegas
Great customer service they helped out wonderfully and was very prompt and professional thanks to everyone that was in contact with me and made this process simple and stress free I will recommend this company.
Mercury Insurance Coverage in Nevada
Explore our top blogs to learn the ins and outs of auto insurance
Learn More About Car Insurance
Explore our top blogs to learn the ins and outs of auto insurance:
What’s the Difference Between At-Fault vs. No-Fault States?
Your Guide to Car Insurance Requirements State-by-State
What Do You Need to Know About Car Insurance After Marriage?
Car Insurance When Moving States: Steps to Ensure a Smooth TransitionNevada Car Insurance FAQs
What is the average monthly payment for car insurance in Nevada?
According to Bankrate, the average cost of minimum car insurance in Nevada is about $85 per month, while full coverage can run around $265 per month.
Is auto insurance considered expensive in Nevada?
According to Bankrate, Nevada auto insurance costs are slightly higher than the national average, which is $2,388 per year for full coverage and $664 per year for minimum coverage.
Do you need insurance to register a car in Nevada?
Yes, you must provide proof of insurance when registering your vehicle.
How much car insurance do I need in Nevada?
At a minimum, you need liability insurance that meets Nevada’s state requirements.
Can I have out-of-state car insurance in Nevada?
According to the Nevada DMV, out-of-state insurance is not accepted and is considered a lapse.
How to lower my car insurance in Nevada?
Here are a few ways you can lower your car insurance in Nevada:
- Take advantage of discounts: Mercury offers savings for multi-car policies, accident-free drivers, and more.
- Bundle policies: Combine auto with homeowners or renters insurance for bigger discounts.
- Maintain a clean driving record: Avoid accidents and violations to keep your rates down.
- Increase your deductible: A higher deductible can lower your monthly premium.
- Review your coverage: Adjust your policy to fit your current needs.
Can you get car insurance without a license in Nevada?
Yes, you can get car insurance without a license in Nevada, but it can be more complex. Not all insurance companies will offer coverage in this situation, so it’s important to speak with an agent to explore your options.
What happens if you don't have car insurance in Nevada?
The state requires continuous liability coverage, and if you have a lapse, there are no grace periods. Penalties for not having insurance include:
- Fines ranging from $250 to $1,750 depending on the length of the lapse and any previous offenses.
- License suspension for a minimum of 30 days if you’re a repeat offender or if the lapse is longer than 90 days.
- After certain offenses, you’ll need to file an SR-22 form, proving financial responsibility, and maintain it for three year
Can you buy a car without insurance in Nevada?
Yes, you can buy a car without insurance in Nevada, but you can’t drive it off the lot without insurance. Nevada law requires you to have proof of insurance before registering the vehicle or driving it.
Is Nevada a no-fault auto insurance state?
No, Nevada is not a no-fault auto insurance state. This means that if you’re involved in an accident, the driver who’s found at fault is responsible for covering the damages, typically through their liability insurance.
Is there a grace period for car insurance in Nevada?
No, there’s no grace period for car insurance in Nevada.
What are helpful resources for Nevada drivers?
Here are some helpful resources for Nevada drivers: