Nevada Auto Insurance Rates & Requirements
Nevada requires 25/50/20 liability coverage and is an at-fault state.
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Nevada at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Nevada operates under a tort-based liability system, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of financial responsibility and mandates electronic insurance verification through the Nevada DMV's automated system.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $122/mo
Average car insurance spending in Nevada
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
How does Nevada verify auto insurance?
Nevada uses an automated electronic insurance verification system that cross-references DMV registration data with insurer databases in real time. If the system detects a lapse in coverage, the DMV sends a notice requiring proof of insurance within 15 days or your registration and license are suspended. Officers can also verify coverage during traffic stops through the same system.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Nevada's 25/50/20 minimum is the legal floor but often insufficient for serious accidents on high-speed roads like I-15 and US-95.
Full Coverage
Bundles liability, collision, and comprehensive into complete protection for both your vehicle and others. Covers damage from accidents, theft, vandalism, and weather events in a single policy.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including theft, vandalism, glass breakage, fire, and weather. Critical for protecting vehicle value in high-risk areas.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost wages, and vehicle damage your own liability policy won't pay.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Essential for protecting financed vehicles or covering damage when you're at fault.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed by your insurer to the Nevada DMV. Required after DUI, reckless driving, or driving uninsured.