120+ more*Quotes generated for Insurify users from Nevada within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Nevada within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Coverage | Minimum Requirement in Nevada |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $20,000 per accident |
Nevada requires all drivers to carry at least 25/50/20 in liability insurance. This split-limit liability coverage includes $25,000 per person and $50,000 per accident for bodily injury liability and $20,000 per accident for property damage liability.[1] But drivers in Nevada can choose to meet the state’s minimum coverage requirement with a $70,000 combined single limit.[2]
These minimum coverage requirements have been in place since July 2018, when the state last raised them.
The state requires Nevada auto insurers to offer drivers at least $1,000 in medical payments coverage and uninsured/underinsured motorist (UM/UIM) coverage equal to their liability coverage amounts. But drivers in the state don’t legally need to purchase either.
Nevada is an at-fault state, meaning that the driver who causes an accident is financially responsible for the other driver’s injuries and property damage.
Liability quotes start at $52/mo.
Nevada drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability insurance. This coverage kicks in to pay for another driver’s medical bills, lost wages, and pain and suffering if you cause an at-fault accident. But it won’t pay for your own injuries.
Nevada’s limits are similar to those of other states, though some set higher floors. In Nevada, if you’re in an accident and another driver’s injuries exceed $25,000 after an accident you caused, you’ll be on the hook for the rest. Consider buying higher coverage limits when getting a car insurance policy to protect your finances.
In Nevada, drivers need a policy with at least $20,000 in property damage liability coverage per accident. This can pay to repair or replace another driver’s vehicle or someone else’s property, such as a fence, following an accident you cause.
The $20,000 property damage limit is similar to limits in many other states, but property damage costs can easily exceed $20,000. It can be worthwhile to purchase more than $20,000 in property damage coverage so you don’t face additional expenses in the event of an accident.
While 25/50/20 liability limits satisfy Nevada’s legal minimum requirements, they may not provide enough coverage for many drivers.
If you cause an accident that seriously injures another driver or totals their vehicle, you can quickly exceed the minimum limits, leaving you responsible for the rest. It’s often worth carrying higher liability limits, along with collision and comprehensive coverage, to better protect your finances and your vehicle.
Check out the table below for recommended coverage limits in Nevada.
Coverage | Nevada Required Minimum | Recommended Coverage Limit |
|---|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident | $100,000 per person/$300,000 per accident |
| Property damage liability | $20,000 per accident | $100,000 per accident |
| Uninsured/underinsured motorist | Not required | Equal to your liability limits |
| Medical payments | Not required | $1,000 |
| Collision | Not required | Enough to cover the market value of your vehicle |
| Comprehensive | Not required | Enough to cover the market value of your vehicle |
Nevada doesn’t require collision or comprehensive coverage, but if you’re leasing or financing a vehicle, your lender will likely require you to carry these coverages. Collision coverage pays for damages to your own vehicle after an at-fault accident, while comprehensive coverage pays for damages from severe weather, theft, and vandalism.
Leasing companies will also typically require you to carry higher liability limits. For example, if you’re leasing a vehicle, you may have to carry $100,000 per person and $300,000 per accident in bodily injury liability insurance, along with $50,000 or more in property damage liability.
You must also carry proof of insurance in your vehicle, such as a printed card or a digital card on your phone. If a police officer asks you to produce proof of insurance, you must show it to them. Officers will often check your proof of insurance against your registration, and a lapse of insurance coverage can result in a fine and registration suspension.
Nevada has one of the highest average car insurance premiums in the country, with an average monthly cost of $260 for full coverage and $164 for liability coverage. Nevada’s minimum limits are fairly low, but drivers still face higher liability-only rates than many other U.S. drivers.
It’s important to note that having low liability limits can increase the monetary risk you face if you file a claim or have an at-fault accident.
For example, if you cause serious injury in an accident but only have the 25/50/20 state minimum limits, the other driver can file a lawsuit for damages beyond those limits. This can put your assets, like your home or savings, at risk.
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $52 |
| State Farm | $75 |
| Just Pay-Per-Mile | $98 |
| USAA | $105 |
| Sun Coast | $137 |
| Mercury | $143 |
| Safeco | $155 |
| GEICO | $159 |
| Mendota | $161 |
| Allstate | $162 |
| Direct Auto | $167 |
| Root | $168 |
| Trexis | $177 |
| Progressive | $179 |
| Just Unlimited | $187 |
| Liberty Mutual | $208 |
| Farmers | $210 |
| Bristol West | $226 |
| Travelers | $251 |
| American Family | $258 |
Nevada limits midterm policy cancellations for auto insurers and policyholders. If your insurer wants to cancel your policy, it must refund any unearned premium without penalty and provide advance written notice: 10 days for non-payment and 30 days for other reasons. If you cancel your policy, you’ll typically face a “short-rate” penalty of about 10% of your unused premium.[3]
It’s also worth noting that Nevada requires insurance companies to provide “reasonable exceptions” in credit-based insurance scoring for certain extraordinary life events, like a serious illness, job loss, or divorce. The law aims to prevent a temporary hardship from permanently increasing your rate.
Nevada doesn’t allow drivers to go even one day without car insurance. A gap in coverage can trigger fines, suspensions, and other penalties. The state uses a tiered penalty system with increasing consequences based on the number of offenses and the length of your insurance gap.[4]
Below, you can see what penalties drivers face for first, second, and third offenses of driving without insurance. The fines and SR-22 filing length can vary for each offense number, based on the length of the insurance lapse.
Offense Number | Reinstatement Fee | Fine | License Suspension | SR-22 Filing Length |
|---|---|---|---|---|
| First | $250 | $0, $250, $500, or $1,000 | N/A | 3 years for lapse lasting 91 days or longer |
| Second | $500 | $0, $500, or $1,000 | N/A | 3 years for lapse lasting 91 days or longer |
| Third | $750 | $0, $500, $750, or $1,000 | Minimum of 30 days | 3 years |
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While Nevada only requires drivers to buy bodily injury liability coverage and property damage liability coverage, the state’s legal limits can leave you underprotected in the event of an accident.
Here are a few additional coverages worth considering in Nevada.
UM/UIM coverage can protect you in the event that a driver without insurance or without enough insurance causes an accident with you. About 11% of Nevada drivers don’t have car insurance, according to Insurance Research Council data.
Nevada’s extreme summer heat and desert conditions can speed up road wear on your tires and brakes, which can increase the likelihood of a collision. Collision coverage can pay to repair or replace your vehicle after a collision, regardless of fault.
Nevada has risks such as vehicle theft and flash floods that comprehensive insurance can help cover. The minimum Nevada liability insurance won’t protect your car from these kinds of damages.
Rental car coverage pays for the cost of a rental if your car needs repairs after an accident. This can be crucial in Nevada, as many residents rely on vehicles for long commutes in the desert.
Nevada requires insurers to offer drivers at least $1,000 in medical payments coverage, and it’s a good idea to accept it. This coverage can help you pay for minor medical bills.
Take a look at answers to some of the most commonly asked questions about Nevada car insurance requirements.
Bodily injury liability insurance in Nevada can pay for another person’s medical expenses, lost wages, and pain and suffering when you cause a car accident. Nevada requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage.
You can provide proof of insurance to the Nevada Department of Motor Vehicles (DMV) either through printed evidence or on your mobile device. You can also verify coverage electronically with your insurer through the Nevada DMV’s Liability Insurance Validation Electronically (LIVE) system.[5]
Drivers in Nevada can provide financial responsibility for car insurance by meeting the state’s 25/50/20 minimum requirements. Alternatively, you can meet the state’s requirement with a $70,000 combined single limit.
No. You don’t need uninsured motorist coverage in Nevada, but insurers must offer it to all drivers.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
