Minimum Liability Coverage in Nevada
Nevada requires drivers to carry the following minimum liability insurance limits:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000 per accident
These limits meet Nevada Revised Statutes Chapter 690B requirements.
Optional Coverages to Consider
Many Nevada drivers choose additional protections such as:
- Uninsured/Underinsured Motorist Coverage (UM/UIM)
- Collision and Comprehensive Coverage
- Medical Payments
- Roadside Assistance
- Rental Reimbursement
Penalties for Driving Without Insurance
Driving without insurance in Nevada can lead to:
- Fines up to $500 for a first offense
- Suspension of driver’s license and vehicle registration
- SR-22 insurance filing requirement
- Possible vehicle impoundment for repeat offenses
Proof of Insurance & Electronic Verification
Nevada’s DMV participates in an electronic insurance verification system that automatically checks active insurance coverage on registered vehicles.
If your insurer reports a lapse or if no insurance is on file, DMV sends a Notice of Non-Compliance by mail requiring prompt response.
Failure to respond within the timeframe can result in suspension of your vehicle registration and license.
- ✅ Keep continuous insurance coverage on all registered vehicles
- ✅ Respond immediately to any DMV insurance lapse notices
- ✅ Provide proof of insurance promptly to avoid suspension
- ✅ File SR-22 if mandated after violations
Non-Use Status and Registration
If you won’t be driving your vehicle, Nevada allows you to place your vehicle on a Non-Operation Status with the DMV. This suspends your registration and avoids the requirement to carry insurance during that time.
Be sure to notify DMV promptly if you plan to stop driving to avoid unnecessary penalties.
Frequently Asked Questions About Nevada Car Insurance
Is car insurance required in Nevada?
Yes. Nevada law requires all registered vehicles to carry liability insurance, even if the vehicle is not currently being driven.
What are Nevada’s minimum car insurance coverage limits?
The minimum required liability coverage in Nevada is 25/50/20: $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage.
Does Nevada use real-time insurance verification?
Yes. Nevada uses a live electronic insurance verification system that continuously monitors whether registered vehicles have active insurance policies on file with the DMV.
Can the DMV send notices even if the car isn’t being driven?
Yes. If your insurance lapses, Nevada’s DMV may automatically suspend your registration—even if the car is parked or not in use.
What are the penalties for driving or registering a vehicle without insurance in Nevada?
Penalties include registration suspension, reinstatement fees, fines, and possible SR-22 filing for repeat offenders. Driving uninsured can also lead to vehicle impoundment.
Does Nevada accept digital proof of insurance?
Yes. Nevada allows drivers to present proof of insurance electronically via smartphone or other digital device when requested by law enforcement.
Interested in how neighboring states handle insurance? See requirements in
California,
Arizona,
Utah,
and Oregon.