Auto Insurance Requirements in Nevada

Auto Insurance Requirements in Nevada

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Before driving in Nevada, every driver must purchase an auto insurance policy with the following limits: $25,000 for bodily injury liability per person and $50,000 per accident, along with $20,000 for property damage. Failure to comply with the law may cost you money and even your driver's license and vehicle registration.

Always carry proof of coverage — such as your insurance ID card or your policy's declaration page — while you drive, in case you're pulled over by the police.

Nevada car insurance minimum requirements

Every auto insurance policy in Nevada comes with two types of liability coverage: bodily injury and property damage.

Nevada required car insurance coverage

Nevada required min. limits

Bodily injury (BI)

$25,000 per person/$50,000 per accident

Property damage (PD)

$20,000 per accident

Bodily injury (BI): If you cause an accident in Nevada, your liability insurance will cover the costs of the other party's injuries, up to $25,000 per person and $50,000 per accident. BI will also cover family members who live with you, even if you're not in the car when the accident happens.

Property damage (PD): This type of coverage pays for the other party's car repair bills — up to $20,000 — following an accident you cause. Some insurance companies allow you to raise the limit.

Optional coverage in Nevada

Liability insurance doesn't cover your own medical bills and car repairs, but you can buy extra insurance based on your personal needs.

Medical payments Although your Nevada health insurance may cover your medical bills after an accident, MedPay covers other expenses such as deductibles. Other drivers may use this coverage if their health insurance policy doesn't cover injuries from car accidents. In Nevada, you can purchase MedPay with limits between $1,000 and $10,000, depending on the insurer.

Collision insurance: This type of coverage pays to repair your own car following an accident, regardless of who was at fault. However, you'll be responsible for paying a deductible before coverage kicks in.

Alternative proof of financial responsibility

Under Nevada's financial responsibility law, drivers can choose to become a self-insurer as an acceptable alternative to purchasing a car insurance policy. as your proof of compliance. You may apply to become a self-insurer with the Nevada Department of Public Safety (DPS) if you own more than 10 vehicles, all of which are registered under your name in the state. The DPS will only grant your application if you can prove that you do and will continue to be able to pay any judgments against you for an accident you cause. Specifically, you must be able to pay out at least as an insurer would under the minimum insurance policy we discuss above.

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