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Nevada car insurance

Nevada Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Nevada mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Nevada has an insurance verification program, a joint effort between state-approved insurance agencies and the Nevada DMV. Any vehicles suspected of being uninsured means the owner has 20 days to respond to a request to provide proof of insurance. Failure to do provide proof within the allotted time means the vehicle registration will be suspended. The owner must then pay to reinstate or surrender their plates.

Nevada Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Nevada they are as follows:

  • Bodily Injury for One Person: $15,000
  • Bodily Injury for All Injuries: $30,000
  • Property Damage: $10,000

Nevada Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Nevada does not require this coverage but highly recommends purchasing it.

No Fault Insurance
In Nevada, you are not required to carry no-fault insurance. Nevada is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.