Nevada Car Insurance Regulations & Required Coverage

Car owners in Nevada must carry liability coverage, but it’s recommended that you consider purchasing additional coverage as well.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: May 12, 2022

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The Rundown

  • Car owners in Nevada must carry a minimum of 15/30/10 liability coverage
  • Nevada car owners are not required to have personal injury protection coverage
  • If you can afford it, you should consider carrying more than your state’s minimum liability requirement for car insurance coverage

If you own a car in Nevada, you may be curious about the requirements for auto insurance coverage. Nevada has strict laws concerning how much liability coverage a car owner must carry to drive legally.

When you purchase a car insurance policy in Nevada, auto insurance companies will ensure you are carrying proper insurance to meet the state’s car insurance requirements. But simply meeting the minimum Nevada auto insurance requirements will not offer you the best protection as a driver.

Do I need auto insurance in Nevada?

If you own a car in Nevada, you must meet the Nevada minimum car insurance requirements for liability coverage. Nevada insurance regulations state that all car owners in the state must carry the following:

  • Bodily injury liability ($15,000 per person, $30,000 per accident)
  • Property damage liability ($10,000 limit)

Some states require drivers to carry personal injury protection (PIP) and property protection insurance (PPI), but Nevada car insurance requirements do not have this requirement.

When you purchase auto insurance in Nevada, most companies will make sure you meet your state’s minimum requirements. But it’s your responsibility to go over your car insurance coverage to ensure you are not legally underinsured.

It will be easy for you to find companies that offer affordable Nevada auto insurance that meets the state’s minimum requirements. But these liability limits do not provide any protection for drivers who are at fault in an accident.

To ensure you have adequate protection in any situation, you should consider purchasing additional car insurance coverage for your vehicle.

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What coverage options do I have in Nevada?

Though Nevada auto insurance laws do not require more than liability coverage, you should be able to find plenty of options for added peace of mind when it comes to your car insurance. Like laws in all states, Nevada car insurance laws only scratch the surface in terms of proper protection.

Because Nevada insurance minimums do not offer extensive protection to drivers, many people decide to add extra coverages to their policies. The table below shows some of the most common coverage options in Nevada.

Coverage ConsiderationsDescription
LiabilityMost states require you set amount of liability coverage which protects other drivers in the case of an accident
ComprehensiveThis coverage and collision coverage are typically required by your lender or lease holder. If you own your vehicle outright, this is an optional coverage. It will pay for damage from non-accident related events such as hail, vandalism, and theft.
CollisionThis provides financial protection for your vehicle. It will pay for damages after a crash.
Personal Injury Protection (PIP)This coverage will pay for your own medical costs including lost wages.
Medical Payments (MedPay)Similar to PIP, MedPay covers injury costs but doesn't cover lost wages like PIP does.
Uninsured/Underinsured Motorist ProtectionInsurance companies are required to offer this coverage to you and it will pay for your own damages beyond what another's liability covers when they're responsible for an accident.
Guaranteed Auto Protection (GAP)You may owe more on your vehicle than it's worth because of how quickly cars depreciate. This coverage will pay the difference between the value and what you owe if your vehicle is totaled.
Personal Umbrella Policy (PUP)This option provides an "umbrella" of coverage over several types of insurance.
Rental ReimbursementIf your car is a total loss or needs repair, do you have another vehicle you can drive? If you'll need a rental, you should consider this option.
Emergency Roadside AssistanceYou can purchase this option from your insurer or a driving club.
Pay-As-You-Drive or Usage-Based InsuranceThis isn't a good choice for everyone, but if you drive few miles, it might be cheaper for you to purchase this kind of coverage.
Non-Owner Car InsuranceThis option is for people who do not own a car but borrow one occasionally.
Modified Car Insurance CoverageIf you've made modifications to your vehicle, your regular full coverage won't take those changes into consideration when paying for damages. Adding special coverage for those modifications will protect the value of them.
Windshield CoverageWindshield coverage will help you pay for the replacement of your broken glass (check state laws for specifics)
Mechanical Breakdown InsuranceThis coverage is similar to a manufacturer extended warranty and you should weight the benefits of both a warranty and breakdown insurance to see which is best for you.
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If you are leasing or financing a vehicle, you are likely required to carry collision and comprehensive coverage by your lender. Combined, these two coverages add up to what is commonly referred to as a full coverage policy. 

Full coverage insurance offers a great deal of protection to drivers, even if they are considered at fault in a car wreck.

But there are other options you may want to consider too, such as underinsured coverage or roadside assistance. Picking coverages for your car insurance policy will require that you examine your own needs to figure out what you would benefit from the most.

In some cases, you may feel more comfortable speaking to an insurance agent directly who could discuss the pros and cons of different coverages. But be sure to take your time before making a decision, and don’t be pressured into purchasing a type of coverage if you aren’t sure you will benefit from it. 

How much is auto insurance in Nevada?

It’s difficult to say how much you will pay for car insurance as a Nevada car owner without personal quotes. Even the best insurance companies in Nevada have to consider certain factors when developing monthly car insurance rates.

Some of the common factors that impact auto insurance rates include:

  • Age
  • Gender
  • Car make and model
  • Driving history
  • Credit history
  • Yearly mileage
  • ZIP code
  • Marital status
  • Occupation

If you are in your 40s and have a clean driving record, it’s safe to assume you will get cheaper car insurance rates than a 19-year-old male who drives a fast sports car.

The average annual auto insurance rate in Nevada is around $1,060. If you find that your Nevada car insurance rates are much higher than the state’s average, you should consider comparing quotes from other auto insurance companies in your state.

Can I find cheap auto insurance in Nevada?

You may be able to find cheap car insurance coverage in Nevada, especially if you’re only concerned with meeting the Nevada minimum insurance requirements. 

One of the best ways to find cheap coverage in any state is to shop around and compare quotes from multiple companies. When you compare quotes, you are likely to find that some companies offer coverage at a much cheaper rate than others. 

If you find a company or two you like, you can call and speak to a representative. Ask whether you qualify for any discounts on car insurance coverage, such as: 

  • Safe driver discount
  • Multi-policy discount
  • Paid-in-full

Discounts for car insurance help some policyholders save as much as 20% on their insurance coverage, so don’t hesitate to ask about any discounts for which you may be eligible. 

While you can save money by simply meeting the Nevada state insurance limits and going with a liability-only policy, it’s recommended to consider purchasing full coverage to make sure you and your vehicle have the proper protection in virtually any scenario.

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Nevada Auto Insurance: The Bottom Line

If you own a vehicle in Nevada, Nevada insurance requirements mandate that you carry at least a 15/30/10 liability policy. If you want personal protection that exceeds these limits, consider purchasing comprehensive and collision coverages as well.

There are additional coverage options available to you through most insurance providers, especially if you drive a lot for work or travel often on the weekends. Nevada liability coverage is a great start, but it will not help to protect you or your vehicle if you are injured or your vehicle accrues damage during a car accident. 

Make sure to consider your unique needs and circumstances before making any final decisions on your auto insurance coverage.

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