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

Enter your ZIP code to get started


Free. Simple. Secure.

fact checked icon

Updated: May 21, 2024

Advertising & Editorial Disclosure

Nevada requires drivers to have state minimum car insurance with liability limits of $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage. This is in line with Nevada's status as an at-fault state, meaning the driver responsible for the accident is required to cover the damages incurred.

On average, the monthly cost for the state minimum coverage is around $70. However, the cheapest car insurance in Nevada may vary depending on individual circumstances, and some may choose to purchase additional coverage for greater protection and peace of mind.

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Nevada Department of Insurance to give you the most accurate cost data for a range of Nevada drivers.

recency icon

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

90,496Quotes Analyzed
67Companies Compared
16ZIP Codes

Nevada Minimum Coverage Car Insurance Requirements

In Nevada, the law requires you to hold minimum coverage auto insurance to legally operate a vehicle. Meeting these requirements is essential for ensuring financial responsibility in the event of an accident.

The state-mandated minimums for car insurance in Nevada include:

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

As Nevada is a fault state, the driver who is at fault for causing the accident is responsible for paying the damages sustained by any other parties involved in the collision. In a fault state, your insurance premiums might reflect your driving record, as insurers consider the likelihood of you causing an accident when determining rates. This can influence the cost of your premium, potentially making it more expensive for those with poor driving records compared to no-fault states, where each person's insurance typically pays for their own injuries or damages regardless of who caused the accident.

nevada icon

Nevada does not mandate drivers to carry collision or comprehensive insurance; only state minimum coverage is required by law. When financing or leasing a vehicle, lenders often require both collision and comprehensive insurance to protect their investment against damage or loss. In Nevada, those who should consider obtaining collision or comprehensive insurance are drivers who have a financed or leased car, or those looking for additional protection beyond the state minimum coverage.

What Does Minimum Coverage Cover?
What Liability Insurance Covers
What Liability Insurance Doesn't Cover

Injuries to others if you are at fault in an accident

Your injuries

Damage to another person’s property if you are at fault in an accident

Damages 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

Determining the cost of minimum coverage car insurance involves several factors, with age being a primary one. In Nevada, young drivers aged 22 to 29 face the highest premiums due to their increased risk of accidents. The table illustrates the average cost of minimum coverage car insurance in Nevada by age group.

60 +Annual Premium$891Monthly Premium$74
22-29Annual Premium$1,003Monthly Premium$84
30-59Annual Premium$838Monthly Premium$70

Cheapest Companies for Minimum Coverage Car Insurance in Nevada

If you are looking for affordable auto insurance minimum coverage in Nevada, you have several options. Country Financial and Capital Insurance Group are the most budget-friendly. Here are their rates:

  • Country Financial: $529 per year and $44 per month
  • Capital Insurance Group: $544 per year and $45 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:
Age Group:30-59
Country FinancialAnnual Premium$529Monthly Premium$44
Capital Insurance GroupAnnual Premium$544Monthly Premium$45
NationwideAnnual Premium$548Monthly Premium$46
MercuryAnnual Premium$679Monthly Premium$57
ProgressiveAnnual Premium$708Monthly Premium$59
State FarmAnnual Premium$716Monthly Premium$60
TravelersAnnual Premium$761Monthly Premium$63
American FamilyAnnual Premium$892Monthly Premium$74

Optional Add-On Coverages in Nevada

Optional add-on coverages in Nevada include comprehensive, collision, uninsured/underinsured motorist, medical payments and rental reimbursement coverages. These options can protect you against a range of incidents—from theft to accidents with uninsured drivers. Understanding how much car insurance you need can help 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 are at fault or damages that exceed 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.

Penalties for Driving Without Insurance in Nevada

The cost of a ticket for driving without insurance in Nevada varies based on whether it's an individual'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.
  • Suspension of vehicle registration: Authorities may suspend your registration, requiring payment for reinstatement.
  • Driver's license suspension: Your license could be suspended with a reinstatement fee necessary 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 are 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 state minimum coverage is essential for legal and financial security.

What to Do if Your Policy Is Canceled

After a car insurance policy cancellation in Nevada, drivers should immediately seek new insurance to avoid the legal consequences of driving uninsured. Contacting an insurance agent or exploring other insurance companies is advisable to find a new policy.

The Nevada DMV will be notified of your insurance status. If you're without insurance, the DMV could suspend your vehicle registration, leading to fines and a possible lapse in your driving privileges.

Nevada does not offer a specific program for hard-to-insure drivers, but the Nevada Automobile Insurance Plan can help those unable to find coverage in the standard market. Always ensure continuous coverage to comply with the state's minimum coverage laws. Driving without insurance in Nevada risks severe penalties.

uninsured icon

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 cancellation, as you're not legally allowed to drive.

False Information: Providing incorrect information on your application can cause cancellation once discovered.

Too Many Claims: Filing numerous claims in a short period might make your insurer consider you too high risk.

Violation of Terms: If you break the rules of your policy, like racing or illegal activities, your insurance can be canceled.

FAQ: Nevada Minimum Coverage Car Insurance

Below are common questions on Nevada's state minimum car insurance requirements.

What is the minimum car insurance coverage in Nevada?
Why does Nevada require minimum automobile liability coverage for motorists?
Do you need comprehensive insurance in Nevada?
What happens if you drive uninsured in Nevada?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.