Car Insurance in Reno, NV

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Mercury Car Insurance in Reno

Let Mercury be your trusted partner on the roads of Reno. Whether you’re exploring the vibrant downtown areas, heading off for an adventure near Lake Tahoe, or commuting daily on the I-80, Mercury offers reliable car insurance that can help give you peace of mind on every drive.

Why Choose Mercury in Reno?

  • Local expertise: Our local Reno agents know the ins and outs of the area, allowing them to provide personalized service and the ability to easily adjust your policy.
  • Affordable rates: We’re committed to providing competitive rates that fit your budget. Plus, our various discounts can help you save even more.
  • Tailored coverage: Mercury offers customized insurance policies that meet the state requirements and your personal needs.
  • Easy claims process: Our dedicated 24/7 claims service ensures that you receive prompt and effective assistance when needed.

Contact us today for a fast, free quote!

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Is Auto Insurance Mandatory in Reno?

Nevada requires all drivers to have auto insurance, which helps ensure that drivers are financially responsible in the event of an accident.

Legal Requirements to Drive in Reno

According to the Nevada Department of Motor Vehicles, Nevada law requires that all drivers carry at least the following minimum liability insurance:

  • $25,000 for bodily injury or death of one person in any one accident
  • $50,000 for bodily injury or death of two or more persons in any one accident
  • $20,000 for injury to or destruction of property of others in any one accident

This basic coverage, often referred to as 25/50/20, is designed to cover costs associated with damages and injuries you may cause to other people or their property in an accident. It doesn’t cover your own injuries or vehicle damage.

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Optional Reno Auto Insurance Coverages

These additional options cater to a range of needs and circumstances, offering extra security and benefits that go beyond the mandatory liability insurance. Here are some of the popular optional coverages you might consider:

  • Collision coverage: This coverage pays for repairs to your vehicle if it is damaged in a collision, regardless of who is at fault.
  • Comprehensive coverage: Comprehensive insurance covers damage to your car caused by events other than a collision, such as theft, vandalism, fire, natural disasters, and encounters with animals.
  • Uninsured/underinsured motorist coverage: This coverage protects you if you're involved in an accident with a driver who has insufficient or no insurance.
  • Medical payments coverage: Medical payments coverage can help cover the costs of medical treatments for injuries sustained by you or your passengers in an auto accident, regardless of fault.
  • Personal injury protection (PIP): PIP covers medical expenses, lost wages, and other related costs regardless of who’s at fault in an accident.

What Does Reno Auto Insurance Not Cover?

While auto insurance protects you against several risks on and off the road, there are some exclusions you need to know about, including:

  • Intentional damage: Your policy doesn’t cover damage you intentionally cause to your vehicle.
  • Wear and tear: Routine maintenance and repairs due to normal aging are not covered.
  • Personal belongings: If someone steals personal items like laptops, phones, or other valuables from your car, standard auto insurance policies don’t cover them. Typically, a homeowners or renters insurance policy would cover these items.
  • Business Use: Personal auto insurance policies do not cover incidents that occur while using your vehicle for business purposes, such as deliveries or ridesharing. These activities require a separate business auto insurance policy.
  • Racing and reckless driving: Participating in racing or similar high-risk driving activities is not covered under standard auto insurance policies.

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Get Cheap Auto Insurance in Reno From Mercury

Mercury provides the Reno car insurance you need at a price that won’t break the bank. Plus, our discounts and bundling options allow you to save even more on your premiums.

Save More with Discounts

At Mercury, we believe in rewarding our customers. That’s why we offer various discounts that can help reduce your auto insurance. Whether you’re a safe driver or a student with good grades, we have discounts that can keep your monthly premium affordable. Contact us today to see what discounts you qualify for.

Bundling with Mercury

Another great way to save is by bundling your auto insurance with home or renters insurance. Here’s how these coverages can benefit you:

  • Reno home insurance: Protect your home and belongings with homeowners insurance, which covers damages due to weather events, theft, vandalism, smoke, fire, and more.
  • Reno renters insurance: Renters insurance includes protection for your personal belongings and liability coverage, and it can even help with temporary living expenses if your rental property becomes uninhabitable due to covered incidents.

High quality stock aerial photos of the Reno, Nevada skyline.

Reno Car Insurance FAQ

Is car insurance high in Reno?

According to Value Penguin, the average cost of car insurance in Reno is about $67 per month for minimum coverage, which is slightly higher than the national average of $64 per month.

What is the recommended auto insurance coverage in Reno?

While the minimum auto insurance coverage required by law in Nevada is often summarized as 25/50/20 (which covers $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident), many insurance experts recommend choosing higher limits and additional types of coverage for better protection. Contact your local agent to customize a policy tailored to your needs.

How to find the cheapest car insurance in Reno?

At Mercury Insurance, we understand that finding the cheapest car insurance in Reno means balancing cost with coverage. We’re dedicated to providing you with personalized service that ensures you receive the best protection at the most competitive rates. Contact us today to learn how we can help you save on your car insurance while keeping you covered on the road.

How do I find a Mercury Agent in Reno?

Visit the Nevada Insurance Agents to find an agent near you.

What products does Mercury offer in Reno?