Nevada Auto Insurance Rates & Requirements 2025
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 at-fault drivers are financially responsible for damages they cause. All drivers must carry proof of financial responsibility, typically satisfied through liability insurance, and present it at traffic stops or accidents. The Nevada Department of Motor Vehicles requires electronic insurance verification through the Nevada Proof of Insurance Database, which insurers update directly.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $122/mo
Average car insurance spending in Nevada
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in at-fault accidents. Nevada's tort system makes you personally liable for damages exceeding your policy limits, putting your assets at risk if you carry only minimum coverage.
Full Coverage
Bundles liability, collision, comprehensive, and uninsured motorist coverage into a complete protection package. Required by lenders for financed or leased vehicles and recommended for cars worth more than $5,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, hail, fire, and animal strikes. Covers windshield damage from road debris, a frequent claim type on Nevada highways with heavy commercial truck traffic.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Steps in when the at-fault party cannot be identified in hit-and-run scenarios.
Collision Coverage
Pays for damage to your vehicle after accidents with other cars or objects, regardless of who's at fault. Particularly valuable for newer vehicles or those worth more than your emergency savings can replace.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed by your insurer with the Nevada DMV. Required after DUI convictions, driving without insurance, repeated violations, or license suspensions.