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Finding the cheapest car insurance quotes in Mercury shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Mercury
The car insurance rate in Mercury is $1626 for a six-month policy, which is $161 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Mercury can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $462 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $718 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $890
for six months, making it
the third cheapest auto insurance company in Mercury.
Mercury Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mercury, NV is Country Financial, offering policies at just $462 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $718.
At the higher end of the spectrum, Mendota is the most expensive, with rates reaching $2914 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mercury drivers find the best deals.
Way's key takeaways about car insurance in Mercury
The auto insurance costs in Mercury fall around $462 for six
months.
The cheapest auto insurance company in Mercury is Capital Insurance Group.
Teen drivers pay the highest rate in Mercury at $2017 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mercury
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Mercury are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Mercury. Their Average 6 Month Premium is $370.
Key Insurance is the most
expensive at $2328 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Mercury is Country Financial
at $79 per month and $462
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mercury,
NV
Get Your Car Insurance Quote in Mercury
Instantly!
Average Car Insurance in Mercury by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Mercury, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mercury, Nevada, may be increasing due to several external factors.
Nevada has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Mercury's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mercury
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Mercury,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Mercury at $60
per
month. At $12099 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Mercury.
As young drivers face the highest rates in Mercury, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Mercury,
Nationwide is
the cheapest car insurance provider. At $389 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Mercury is American Family, offering
rates of around $3719 for six
months.
Save up to $971/yr on car insurance rates in Mercury.
Car Insurance Rates with An Accident in Mercury
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Mercury, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mercury
The cheapest car insurance companies after an at-fault accident in
Mercury include Capital Insurance Group
and Country Financial, offering $507
and $574,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4925.
Here is a list of driving violations that can increase your car
insurance rates in Mercury NV. For example, the car
insurance in Mercury
after a DUI increases to $1016 for a six
month policy. While the rate increases by $337 for a six-month policy in the case of
a speeding ticket.
Mercury auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1496
$250
One Med/PIP claim
$1496
$254
Not-at-fault accident
$1563
$261
Two Med/PIP claims
$1563
$265
One comp claim
$1570
$262
Two comp claims
$1642
$279
Failure to wear a seat belt
$1754
$292
Child safety restraint
$1760
$300
Failure to show documents
$1767
$294
Driving without lights
$1794
$305
Driving with expired registration
$1800
$300
Speeding 6 - 10 MPH over limit
$1833
$312
Speeding 11 - 15 MPH over limit
$1839
$306
Speeding 16 - 20 MPH over limit
$1839
$313
Cell phone violation
$1846
$307
Driving too slowly
$1846
$314
Speeding in school zone
$1846
$307
Texting while driving
$1853
$315
Failure to stop at a red light
$1859
$310
Failure to yield
$1859
$316
Illegal turn
$1859
$310
Following too closely
$1873
$319
Wrong way/wrong lane
$1873
$312
Improper passing
$1879
$320
In 65 MPH zone
$1913
$319
Passing school bus
$1965
$334
Speeding 21 - 25 MPH over limit
$1978
$330
At-fault accident - less than $1000
$2011
$342
Operating a vehicle without permission
$2018
$336
Open container
$2117
$360
At-fault accident - $1000-$2000
$2196
$366
At-fault accident - greater than $2000
$2196
$373
Refusal to submit to a chemical test
$2420
$403
Racing
$2505
$426
Driving with a suspended license
$2512
$418
DUI
$2512
$427
Reckless driving
$2539
$423
Leaving scene of an accident/hit and run
$2611
$444
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Mercury after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Mercury.
The cheapest car insurance premiums in
Mercury are
offered by Country Financial at $462 for a six-month policy.
However, it can be as
expensive as $4992 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Mercury are offered by Country Financial
at $323. However,
it can be as expensive as $5789
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Mercury after Speeding ticket
Car insurance rates in Mercury have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mercury rose by
$349 in January
compared to $336 of December. In other words, there has been an increase by $13 when you
compare January and December.
The average cost of liability insurance in the Mercury rose to $111 in January,
compared to $99 in December.
This represents an increase of $12
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mercury. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mercury?
The car insurance in Mercury is $63 per month, which is lower than the national average.
What is the cheapest car insurance in Mercury?
The cheapest car insurance in Mercury
is $79 per month
for full coverage.
How much is car insurance in Mercury for teenagers?
Car insurance for teenagers costs $350 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Mercury?
The average cost of car insurance is $1465 for a six-month
policy. It will cost around $273 per month to insure your
car in Mercury.
Is car insurance expensive in Mercury?
Car insurance can be expensive in Mercury if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mercury can be
affordable.
What is the best car insurance in Mercury,
NV?
The best car insurance company in Mercury
NV is
Country Financial, offering $462 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mercury, NV
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Mercury Car Insurance
