Nevada Auto Insurance Rates & Minimum 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 as a tort state, meaning the at-fault driver is financially responsible for damages in an accident. All drivers must carry proof of financial responsibility — typically satisfied by maintaining minimum liability insurance. The Nevada Department of Motor Vehicles enforces these requirements through registration checks and roadside verification, with immediate penalties for driving without coverage.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
$74–$164/mo
Typical monthly rate in Nevada, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Comprehensive claims spike during summer months when temperatures exceed 110°F, causing tire blowouts, battery failures, and windshield stress cracks on US-95 and I-80.
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
Is Nevada a no-fault insurance state?
No, Nevada is a tort state. The driver who causes an accident is financially responsible for all resulting injuries and property damage. If you're at fault, your liability insurance pays the other party's costs up to your policy limits — you remain personally liable for any amount beyond those limits.
Can I drive in Nevada with out-of-state insurance?
Yes, if you're visiting or temporarily stationed in Nevada, your out-of-state policy remains valid as long as it meets Nevada's minimum 25/50/20 liability requirements. Once you establish Nevada residency, you must register your vehicle and obtain Nevada insurance within 30 days.
Coverage Types
Liability Insurance
The only coverage Nevada law requires. Pays for injuries and property damage you cause to others, but provides zero protection for your own medical bills or vehicle repairs after an at-fault accident.
Uninsured Motorist Coverage
Covers your medical expenses and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. Optional in Nevada, but insurers must offer it at your liability limits.
Collision Coverage
Pays to repair or replace your vehicle after a collision, regardless of fault. Required by lenders, but optional once your car is paid off.
Comprehensive Coverage
Covers non-collision losses: theft, vandalism, weather damage, fire, and animal strikes. Deductible applies per claim.
SR-22 Insurance
Not a coverage type — it's a state filing that proves you carry minimum liability insurance after a DUI, reckless driving conviction, or uninsured accident. Required for license reinstatement.
Full Coverage
Industry shorthand for liability plus collision and comprehensive. Not a specific policy type — actual coverage and limits vary by insurer and your selections.