Nevada Car Insurance Laws—All You Need to Know
All Nevada drivers must have liability coverage following a 25/50/20 pattern to comply with state-mandated limits.
Written by Olivia Rose
Reviewed by Kathleen Flear
Table of Contents
- Minimum requirements
- Liability coverage
- Limits
- Is minimum enough?
- No insurance penalties
- Optional coverage
- Where to buy?
- FAQs
Load full table of contents
Nevada law requires that all drivers have liability coverage with limits of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage per accident.
Purchasing the mandatory minimum
car insurance
is about more than just staying within the letter of the law. If you get into an accident and you don’t have enough insurance coverage, you could find yourself in serious financial trouble.With a car insurance comparison app like
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Nevada car insurance costs
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Car insurance requirements in Nevada
All drivers in Nevada must have a minimum amount of
liability coverage
. Here are the requirements for liability coverage in Nevada:Minimum liability coverage: 25/50/20 |
|---|
$25,000 bodily injury per person |
$50,000 bodily injury per accident |
$20,000 property damage per accident |
Liability coverage in Nevada
Liability insurance covers the medical expenses and property damage of others when you are at fault in an accident. This includes things like the cost of another driver repairing their vehicle or another driver’s hospital bill after a bad collision where you were responsible.
Liability coverage does not cover your property damage or medical expenses in an at-fault accident.
Key Takeaway All Nevada drivers must have liability coverage following a 25/50/20 pattern to drive legally.
State-mandated car insurance limits
A car insurance "limit" is the maximum amount your provider will pay for a particular coverage category. The state-mandated limits for liability insurance in Nevada follow a 25/50/20 pattern:
- $25,000 inbodily injury coverageper person means your provider will pay no more than $25,000 in bodily injury costs per person in one single accident
- $50,000 in bodily injury coverage per accident means your provider will pay no more than $50,000 in bodily injury costs in total for one single accident
- $20,000 inproperty damage coverageper accident means your provider will pay no more than $20,000 in property damage costs for one single accident
Do Nevada’s required insurance minimums provide enough coverage?
Nevada’s required car insurance minimums are comparable with most other states—but it’s always a good idea to purchase more than the bare minimum for the state in which you drive.
Insurance limits can easily be hit if you are in a bad collision. For instance, a $20,000 property damage limit can be exhausted quickly if you cause a collision with a brand new vehicle. Similarly, a $50,000 bodily injury limit can be reached quickly if you cause a collision that harms multiple passengers.
Remember—after you hit an insurance limit, you are liable for the remaining costs out of pocket. It’s a good idea to purchase higher limits so that in the case of a bad collision, you aren’t on the hook to cover damages or expenses you can’t afford.
Liability coverage only covers others when you are at fault. You can purchase additional types of coverage—such as
personal injury protection (PIP)
—to take care of your expenses after an at-fault accident.Key Takeaway While Nevada’s limits are comparable to other states, you’d do best to consider purchasing higher liability limits and additional types of insurance coverage.
Penalties for driving without insurance in Nevada
Nevada has a complex system for penalizing those who get behind the wheel uninsured. Driving without insurance is illegal in Nevada. Here are the penalties:
First offense
**Length of insurance lapse** | 1-30 days | 31-90 days | 91-180 days | 181 days or more |
|---|---|---|---|---|
**Reinstatement fee** | $251 | $251 | $251 | $251 |
**Fine** | none | $250 | $500 | $1,000 |
none | none | yes | yes | |
**Total cost** | $251 | $501 | $751 | $1,251 |
Second offense (within 5 years)
**Length of insurance lapse** | 1-30 days | 31-90 days | 91-180 days | 181 days or more |
|---|---|---|---|---|
**Reinstatement fee** | $501 | $501 | $501 | $501 |
**Fine** | none | $500 | $500 | $1,000 |
none | none | yes | yes | |
**Total cost** | $501 | $1,001 | $1,001 | $1,501 |
Third offense (within 5 years)
**Length of insurance lapse** | 1-30 days | 31-90 days | 91-180 days | 181 days or more |
|---|---|---|---|---|
**Reinstatement fee** | $751 | $751 | $751 | $751 |
**Fine** | none | $500 | $750 | $1,000 |
yes | yes | yes | yes | |
**License suspension** | 30+ days | 30+ days | 30+ days | 30+ days |
**Total cost** | $501 | $1,001 | $1,001 | $1,501 |
Key Takeaway Driving without insurance in Nevada is illegal. Penalties for driving without insurance can include reinstatement fees, fines, SR-22 filing, and license suspension.
Optional auto insurance coverage in Nevada
On top of liability coverage, which you must have to drive legally in Nevada, you should consider purchasing additional coverage. Here are some options for optional coverage that can be helpful:
- Comprehensive coveragecan cover the costs of physical damages to your vehicle that are not the result of a collision (e.g., vandalism)
- Uninsured/underinsured motorist coveragehelps cover you if you are in a collision with an uninsured at-fault driver
- Personal injury protection (PIP)covers your own damages and medical expenses when you are in a collision—regardless of who is at fault
- Collision coveragecan help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object
- Medical payments coveragecovers the cost of medical bills or funeral expenses resulting from a collision
- Roadside assistancehelps with things like fixing flats, towing, or jumping batteries—the coverage will vary between policies and companies
- Rental car reimbursementwill cover the cost of a rental vehicle while your car is being fixed after a claim
Where to buy car insurance in Nevada
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FAQs
Is car insurance mandatory in Nevada?
Yes. All Nevada drivers must have liability coverage—$25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage per accident.
Is Nevada a no-fault insurance state?
No, Nevada is an at-fault state, which means that the person who is at fault in a collision (and/or their insurer) is liable to cover all damages resulting from the accident.
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