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Nevada Car Insurance Information

Requirement : Yes

Car insurance is required in Nevada . Drivers must have a minimum of liability coverage. Note: New residents must register their vehicle within 30 days of moving to Nevada

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance policy is required:

    • $15,000 for bodily injury to one person.
    • $30,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $15,000 for bodily injury to one person.
    • $30,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability and uninsured motorist coverage are the only requirements for Nevada motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Medical Payments – Helps cover your medical or funeral costs due to an accident.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • GAP Insurance - If your vehicle is loaned or leased and totaled, Gap insurance may pay for the difference between the cash value of the vehicle and the unpaid balance of the loan or lease.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Nevada requires all drivers to have minimum coverage.


Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. The insurance company (provider) will give you an insurance card as proof of insurance.

  • Valid forms of proof of insurance:
    • Insurance card.
    • Copy of insurance card.
    • Letter from insurance carrier.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $1,000 maximum fine.
      • $600 - $1,000 in civil penalties.
      • Suspension of license and registration.

  Credit Scores & Determining Your Insurance Premium :

All Nevada drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.

  

Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Year, make, model of car
  • Marital status
  • Neighborhood or city of residence
  • Claim history

Discounts : Yes

Discounts available in Nevada:

  • Multi-vehicle discount
  • Multi-policy discount
  • Anti-theft discount
  • Safety-device discount

Cellphone Use:

All drivers are prohibited from hand held cellphone use while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses. Violators are subject to a $50 first offense fine, $100 second offense fine, $250 for all subsequent offenses within 7 years.


Nevada Minimum Coverage Laws

Carriers in Nevada

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