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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. Plus, with discounts like multi-car savings, accident-free rewards, and up to 17% off for homeowners, you can get the coverage you need at a price that fits your budget.

Contact us today for a fast, free quote!

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

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: Mercury is committed to offering competitive rates—and we help you save even more with various discounts. For example, homeowners can save up to 17%, drivers with no accidents for five years may qualify for up to 18%, and bundling multiple vehicles can knock off up to 21%.
  • 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.
Sad woman talking on cell phone near wrecked car

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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How to Get Car Insurance in Reno, NV

Getting car insurance in Reno is fast and simple with Mercury Insurance. Whether you need basic liability coverage or a full-coverage policy, our local agents are here to help you every step of the way. Plus, you can get the protection you need at a price that works for you with available discounts for safe driving, bundling, and more.

Get started with a quick quote by contacting a Reno insurance agent or call us at (877) 356-0663)

Start Your Online Quote Today

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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, including:

  • Homeowner discount: Own a home or condo and save up to 17%.
  • Multi-car discount: Insure multiple vehicles under the same policy and save up to 21%.
  • 3-year accident/violation-free: Stay accident- or violation-free for three years and save up to 9%.
  • Paid in full: Pay your premium in one lump sum and save up to 14%.
  • Automatic payment: Set up auto-pay from your checking account and save 1%.
  • 5-year accident-free: Stay claim-free for five years and you may qualify for up to 18%.
  • E-signature discount: Sign all your documents electronically and save 3%.
High quality stock aerial photos of the Reno, Nevada skyline.
Front end of car on a roadway in Red Rock Canyon.

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.

Top Rated Auto Insurance in Nevada

Mercury is proud to be one of the top-rated auto insurance providers in Nevada, trusted by drivers across Reno, Carson City, Las Vegas, and beyond. Our commitment to affordable coverage, reliable service, and local expertise has earned us many positive reviews from satisfied customers.

Read customer reviews to see what they’re saying about Mercury.

Learn More About Car Insurance

Discover helpful articles that break down coverage options, savings tips, and more.

Reno Car Insurance FAQ