Nevada Car Insurance Guide
Whether you’re driving to work in Reno, seeing a concert in Las Vegas, or visiting one of Nevada’s beautiful state parks, affordable auto insurance can help protect you, your loved ones, and your vehicle. Learn which coverages are mandatory, which are optional, and how EagleWay Auto Insurance can be your cheap Nevada car insurance solution. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in Nevada?
Nevada law requires drivers to maintain an auto insurance policy that meets the state’s minimum liability coverage limits. Liability limits are typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Nevada are 25/50/20.
Nevada Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal costs if you injure someone. | Yes | $25,000 per person / $50,000 per accident |
| Property Damage Liability – Pays to repair or replace other people’s property damaged in an accident. | Yes | $20,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) – Pays for medical bills if the other driver has insufficient or no coverage. | Not required | – |
| Medical Payments (MedPay) – Pays for medical expenses regardless of fault. | Not required | – |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damages like fire, flood, vandalism, or animal impact. | Not required¹ | – |
¹May be required by lenders if the vehicle is leased or financed.
Important: Liability coverage meets Nevada law but does not fully protect you or your vehicle. Adding UM/UIM, comprehensive, and collision coverage is recommended for full protection.
Additional Coverage Options
- Roadside Assistance*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
Driving without insurance in Nevada is a serious offense. If the DMV cannot verify coverage, you must respond within 15 days with proof of insurance. Failure to respond or maintain coverage can result in registration suspension, penalties, and reinstatement fees.
Penalties for Driving with a Suspended License in Nevada
Operating a vehicle while suspended, revoked, or unlicensed may lead to jail time, steep fines, and extended license suspension. Repeat offenses may increase penalties.
SR-22 Insurance in Nevada
High-risk drivers may need an SR-22 (certificate of financial responsibility) if they have committed serious violations, failed to maintain coverage, or were convicted of DUI/DWI. EagleWay Auto Insurance can assist with SR-22 filings and other state requirements.
High-Risk Auto Insurance
Drivers with multiple violations or serious infractions may be considered high-risk. Non-standard insurance is available to provide financial protection. EagleWay Auto Insurance offers affordable coverage for high-risk drivers in Nevada.
Finding the Cheapest Car Insurance Rates in Nevada
Rates vary based on coverage, vehicle, driving habits, location, demographics, driving record, and credit history. EagleWay Auto Insurance helps drivers—including high-risk drivers—find affordable coverage.
Get a free car insurance quote online, or work with an EagleWay Auto Insurance agent to create a plan that meets state requirements and your needs. We’ll make sure you get all eligible discounts so your premium is as low as possible.