Minimum Car Insurance in Nevada
The liability limits Nevada requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Nevada requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one crash, and $20,000 for property damage. NRS 485.185; Nevada DMV, Insurance Requirements
| Minimum coverage required | Nevada requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one crash, and $20,000 for property damage. Owners must continuously carry this insurance from an insurer licensed and approved in Nevada while the vehicle is registered or present in the state; out-of-state insurance is not accepted, and the registered owner must be a named insured on the policy. Out-of-state policies and named insured: https://dmv.nv.gov/insurance.htm |
|---|---|
| At-fault or no-fault | Nevada is a fault-based (tort) state: the required auto insurance is "for the payment of tort liabilities arising from the maintenance or use of the motor vehicle," meaning the driver responsible for a crash is liable for the resulting injuries and damage. Source: NRS 485.185 |
| Uninsured motorist coverage | Uninsured motorist coverage (including hit-and-run) must be included in every auto liability policy, at no less than the 25/50 bodily injury minimums, unless a named insured rejects it in writing on an insurer form describing the coverage being rejected. If rejected, it is not added at renewal unless the named insured requests it in writing. Source: NRS 690B.020 |
More Nevada car insurance & vehicle laws
- Driving Without Insurance in Nevada
- SR-22 Insurance in Nevada
- When a Car Is a Total Loss in Nevada
- Transferring a Car Title in Nevada
- All Nevada car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Nevada?
Nevada requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one crash, and $20,000 for property damage. Owners must continuously carry this insurance from an insurer licensed and approved in Nevada while the vehicle is registered or present in the state; out-of-state insurance is not accepted, and the registered owner must be a named insured on the policy.
Is Nevada a no-fault car insurance state?
Nevada is a fault-based (tort) state: the required auto insurance is "for the payment of tort liabilities arising from the maintenance or use of the motor vehicle," meaning the driver responsible for a crash is liable for the resulting injuries and damage.
Is uninsured motorist coverage required in Nevada?
Uninsured motorist coverage (including hit-and-run) must be included in every auto liability policy, at no less than the 25/50 bodily injury minimums, unless a named insured rejects it in writing on an insurer form describing the coverage being rejected. If rejected, it is not added at renewal unless the named insured requests it in writing.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.