Car insurance · Nevada
Car insurance requirements in Nevada
Liability minimum 25/50/20. Claims system: fault-based claims.
Verified summaryAll Nevada insurance topics
Requirements
Minimum car insurance requirements in Nevada
| Coverage | Requirement in Nevada |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Optional. Insurers must offer it at no less than the minimum liability limits (25/50 for bodily injury) |
What the law requires you to carry
- Bodily injury liability: at least $25,000 per person and $50,000 per accident
- Property damage liability: at least $20,000
- Liability coverage at no less than 25/50/20 on every vehicle, in effect since July 1, 2018 (Senate Bill 308)
Uninsured drivers
Uninsured motorist coverage in Nevada
Optional. Insurers must offer it at no less than the minimum liability limits (25/50 for bodily injury).
Optional coverage
Coverage you can add in Nevada
- Uninsured/underinsured motorist (optional)
- Collision
- Comprehensive
- Usage-based insurance
Penalties
Penalties for driving without insurance in Nevada
According to the Division of Insurance, drivers without the required coverage are subject to law enforcement and DMV actions, including cancellation of the vehicle registration, until they buy at least the mandatory minimum coverage.
Good to know
Other things to know in Nevada
- Senate Bill 308 (2017) raised Nevada's minimum from 15/30/10 to 25/50/20, effective July 1, 2018. Older materials may still show the previous limits.
- UM/UIM coverage is not mandated by law. Nevada law requires insurers to offer it at no less than the statutory minimum liability amount. When the limits rose, drivers who had chosen less than 25/50 had to re-select or reject the coverage on a UM/UIM Selection/Rejection Form.
- The Division lists factors insurers consider when setting auto rates, including driving record, claims history, zip code, vehicle, miles driven and a credit-based insurance score.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Nevada
- Nevada Division of Insurance
- Website: doi.nv.gov
- Contact page
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Nevada.
Home insurance resources and the health marketplace for Nevada are on its overview page.