Nevada Minimum Coverage Car Insurance: Requirements and Costs (2024)

Nevada's minimum coverage liability limits are 25/50/20. The average annual cost of minimum car insurance is $1,061, or about $88 monthly.

Updated: December 10, 2024

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Nevada requires minimum car insurance coverage with liability limits of $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage. As an at-fault state, the driver responsible for the accident must cover the damage or injuries they cause in an accident.

The average monthly cost of minimum coverage is $88. While various factors influence premiums, meeting the minimum car insurance requirements ensures legal compliance. To save, consider exploring options for the cheapest car insurance in Nevada while staying protected.

TABLE OF CONTENTS

Nevada Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Nevada
Cheapest Companies in Nevada for Minimum Coverage
Add-On Coverages in Nevada
Penalties for Driving Without Insurance in Nevada
FAQ

Why Trust MoneyGeek? We analyzed data from Quadrant Information Services and the Nevada Division of Insurance to get the most accurate cost data for various Nevada drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Nevada as of December 2024.

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Nevada Minimum Coverage Car Insurance Requirements

In Nevada, drivers must carry minimum coverage auto insurance to operate a vehicle legally. This ensures financial responsibility in case of an accident.

The state-required minimum coverage includes the following:

$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$20,000 for property damage liability per accident

Since Nevada is a fault state, the driver at fault for an accident is responsible for paying damages to others involved. Your premiums may reflect your driving history, as insurers consider your likelihood of causing an accident when setting rates. This can make insurance more expensive for Nevada drivers with poor records compared to no-fault states, where each party’s insurance typically covers their own costs, regardless of fault.

ARE COLLISION AND COMPREHENSIVE COVERAGES REQUIRED IN NEVADA?

Nevada doesn't mandate drivers to carry collision or comprehensive insurance; only minimum coverage is required by law. Lenders often require both coverage types to protect their investments against damage or loss when financing or leasing a vehicle.

In Nevada, drivers with a financed or leased car or those seeking extra protection beyond the state minimum coverage should consider getting collision or comprehensive insurance.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

The table reflects Nevada's minimum car insurance requirements, including liability coverage. An individual policy's specific terms define coverage details.

Average Cost of Minimum Coverage Car Insurance in Nevada

The cost of minimum coverage car insurance in Nevada varies by age, as younger drivers aged 22 to 29 typically face the highest premiums due to their inexperience and higher accident rates. Below is a breakdown of average costs by age group:


22-29	$1,265	$105
30-59	$1,061	$88
60 +	$1,114	$93

Cheapest Companies for Minimum Coverage Car Insurance in Nevada

The best low-cost options for minimum coverage insurance in Nevada are:

COUNTRY Financial: $455 per year; $38 per month
Mercury: $503 per year; $42 per month

When selecting the best car insurance in Nevada, consider all available options to make a well-informed decision.

Data filtered by:Results filtered by:

Age Group

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Age Group:30-59


Country Financial	$455	$38
Mercury	$503	$42
Nationwide	$548	$46
Capital Insurance Group	$677	$56
Progressive	$728	$61
Travelers	$782	$65
American Family	$1,037	$86
GEICO	$1,053	$88
State Farm	$1,067	$89
Farmers	$1,229	$102
Kemper	$1,248	$104
Nevada General Insurance	$1,307	$109
CSAA	$1,447	$121
Allstate	$1,657	$138
Dairyland	$2,180	$182

Optional Add-On Coverages in Nevada

Optional add-ons in Nevada include comprehensive, collision, uninsured/underinsured motorist, medical payments and rental reimbursement coverages. These options can protect you against various incidents — from theft to accidents with uninsured drivers. Understanding how much car insurance you need helps you make informed decisions for safeguarding your vehicle.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured motorist coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you're at fault or damage that exceeds policy limits
Personal injury protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside assistance	Services like towing, flat tire changes and jump-starts when your car breaks down	Cost of parts or repairs needed after the tow
Gap insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental car reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive coverage	Repairs to non-collision damage from events like theft, fire or hail	Damage from a collision or personal injuries
Towing and labor coverage	Towing and basic roadside-assistance labor costs at the site of your vehicle's breakdown	More extensive repairs needed at a garage
Custom parts and equipment coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental death coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic car insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use like your daily commute

Penalties for Driving Without Insurance in Nevada

The cost of a ticket for driving without insurance in Nevada depends on whether it's a driver's first offense or a repeat violation. For first-time offenders, punishments typically include fines and other administrative penalties, while those with a history of driving uninsured may face heftier fines and harsher consequences.

Nevada enforces several additional penalties for drivers caught without minimum coverage:

Vehicle impoundment: Your car may be towed and impounded, resulting in extra fees.
Vehicle registration suspension: Authorities may suspend your registration, requiring payment for reinstatement.
Driver's license suspension: Your license could be suspended, and you'll need to pay a reinstatement fee to regain driving privileges.
SR-22 requirement: Filing of an SR-22 form may be needed to prove financial responsibility over a set period.
Jail: If you're involved in an accident while uninsured, you may be jailed for up to six months.

Driving without insurance carries serious risks and consequences, and maintaining at least the minimum coverage is essential for legal and financial security.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Nevada, secure new coverage immediately to avoid legal consequences. Contact an insurance agent or explore other insurance companies for a new policy.

The Nevada Department of Motor Vehicles (DMV) will be notified if you lack insurance. This could result in your vehicle registration being suspended, fines and a potential lapse in your driving privileges.

While Nevada doesn't offer a specific program for hard-to-insure drivers, the Nevada Automobile Insurance Plan is available for those who can't find coverage in the standard market. Maintain continuous coverage to comply with state laws and avoid penalties for driving uninsured.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Nevada may have been canceled for a few reasons:

Non-payment of premiums: If you don't pay your insurance on time, your coverage can be canceled.
License suspension: A suspended driver’s license can lead to cancelation, as you're not legally allowed to drive.
False information: Providing incorrect information on your application can cause cancelation once discovered.
Too many claims: Filing numerous claims in a short period might make your insurer consider you too high risk.
Policy violation: If you break the rules of your policy, such as racing or engaging in illegal activities, your insurance can be canceled.

FAQ: Nevada Minimum Coverage Car Insurance

We answered common questions about minimum coverage in Nevada to help you understand the car insurance needed to comply with state laws.

What is the minimum car insurance coverage in Nevada?

Nevada's minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 per accident and $20,000 for property damage liability. This coverage ensures drivers meet state legal standards for covering damage or injuries they may cause in an accident. Maintaining at least this coverage level is essential for driving legally in the state.

Why does Nevada require minimum automobile liability coverage for motorists?

Nevada requires minimum coverage auto insurance to ensure motorists can cover the financial responsibility for the damage or injuries they may cause in an accident. This coverage helps protect the policyholder, other drivers, pedestrians and property owners from bearing the full cost of accidents.

Do you need comprehensive insurance in Nevada?

In Nevada, you're not legally required to have comprehensive insurance. State law mandates that drivers carry only minimum coverage, which includes bodily injury and property damage liability. However, if you're financing or leasing your vehicle, lenders typically require comprehensive coverage to protect their investment. Comprehensive insurance also protects against vandalism, hail and if you hit an animal.

What happens if you drive uninsured in Nevada?

Driving uninsured in Nevada is a serious offense. The first offense can result in fines ranging from $250 to $1,000, with larger penalties for repeat violations. You may also face license suspension and vehicle registration revocation. Without at least minimum coverage, the financial and legal consequences can be severe, including the mandatory filing of an SR-22 certificate for up to three years, which can significantly raise your insurance premiums.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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