Nevada Auto Insurance

Last updated : August 2024
Published By : Direct Auto

Whether you’re driving to work in Reno, seeing a concert in Las Vegas or heading out to one of Nevada’s beautiful state parks for a weekend getaway, affordable auto insurance coverage can help protect you, your loved ones and your vehicle on every adventure. So, take a few minutes to learn about cheap car insurance in Nevada, including which coverages are mandatory and which ones are optional. Then get a free quote to see how much money you can save with Direct Auto.

Nevada Car Insurance Laws

Do you have to have car insurance in Nevada?

Nevada law requires drivers to have an auto insurance policy that at least meets the state’s minimum liability coverage limits. Liability limits are typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Nevada are 25/50/20, as shown below under Nevada Minimum Car Insurance Requirements.

Nevada Minimum Car Insurance Requirements

Wondering what your insurance policy needs to fulfill Nevada’s legal requirements? Here’s a quick breakdown by coverage type.

Coverages

Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox and more.

Yes. $20,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM) or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing liability coverage ensures you satisfy Nevada’s laws, it doesn’t protect you or your vehicle in every circumstance. You would need to add additional coverage, like UM/UIM, comprehensive and collision, to better protect yourself.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For greater peace of mind, Nevada drivers may have access to add-on services and other coverages depending on the insurer:

Nevada Proof of Financial Responsibility and Penalties

What if I don't meet Nevada’s minimum car insurance requirements?

Driving without insurance is a serious offense in Nevada, and the DMV works hard to prevent uninsured driving. If the DMV can’t verify you have coverage, it sends a formal letter that you must respond to within 15 days and provide proof of coverage. If your insurance lapsed or you don’t have proof of coverage, the DMV will send you another letter to notify you that your registration will be suspended. In addition to registration suspension, you’re still subject to other penalties and reinstatement fees.

Penalties for Driving with a Suspended License in Nevada

Driving while suspended, revoked or unlicensed can lead to serious penalties in Nevada. While the exact penalties depend on your specific circumstances, you could be facing jail time, steep fines and an increased license suspension.

SR-22 Insurance in Nevada

Some states require high-risk drivers to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Depending on your current state, if you recently moved from out of state or if you’re planning to move out of state soon, you could be required to keep an SR-22 on file if:

High-Risk Auto Insurance in Nevada

Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. Some insurance companies won’t insure high-risk drivers, but non-standard insurance (another name for high-risk auto insurance) is often available elsewhere to provide financial protection for these drivers. 

Where can I find the cheapest car insurance rates in Nevada?

Car insurance costs vary depending on a number of factors, including:

  • The amount and type of coverage you choose
  • The year, make and model of the vehicle you drive
  • How much you drive, where you drive and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Where can I find the cheapest car insurance rates in Nevada?

Find Cheap Car Insurance in Nevada with Direct Auto!

Looking for affordable car insurance in Nevada? Get a free car insurance quote for a policy that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.

*Roadside Assistance is not insurance and is administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

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