Nevada Car Insurance: Coverage Requirements, Laws, and How to Find the Best Rates
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Nevada car insurance is required for drivers who want to register a vehicle in the state. While Nevada only requires that drivers purchase a certain amount of liability insurance, other coverage types are available for those who want some extra financial protection.
Our guide to Nevada car insurance will give you the details on how much liability coverage is required, other types of car insurance that are available, how to file a claim with your Nevada car insurance company, and more.
Prepare Your Driver and Vehicle Details
When shopping for auto insurance policies, you’ll need to have some information readily available to get quotes. Most online comparison tools and insurance company quote sites will require some personal and vehicle information to get started. You’ll likely need the following information:
- Your name, birthday, and contact information
- Your ZIP code
- Your driver’s license number
- The make, model, and year of your vehicle
- Your vehicle identification number (VIN)
- An approximation of your vehicle’s mileage
You can easily enter these details online with a tool like EverQuote to get free car insurance quotes.
Nevada’s Essential Car Insurance Guidelines
Nevada requires only liability coverage to register and drive a vehicle. Nevada drivers need the following insurance coverage:
- $25,000 bodily injury liability for one person
- $50,000 bodily injury liability for two or more people
- $25,000 property damage liability per accident
Liability coverage is meant to protect your assets and finances in case you are at fault in an accident. Bodily injury liability will cover other people’s injury-related expenses, excluding you, your family, and your passengers. Property damage coverage, meanwhile, covers damages to other people’s physical property.
Continuous Insurance Law in Nevada
Nevada drivers must have the minimum liability coverage at all times. You must carry proof of insurance and present it when pulled over.
Nevada uses an online verification system where insurance providers send notifications of new policies, cancellations, lapses, renewals, and other changes to a policy. If you receive a notice from the DMV, you must respond to verify your insurance coverage.
If you are caught driving without car insurance in Nevada, you may face fines of up to $1,750, depending on whether it’s your first offense and how long you’ve been driving without insurance. Your registration and driver’s license may also be suspended, which will require an additional reinstatement fee.
When you anticipate a cancellation or lapse in coverage, you should surrender your registration and license plates until you can get another auto insurance policy.
Exploring Additional Insurance Options
Collision Coverage Explained
While Nevada doesn’t require any coverage beyond liability insurance, collision coverage may be helpful to make sure your property is protected, regardless of who is at fault. With collision coverage, you can file a claim after an accident for your own property, even if you are at fault for the accident.
Comprehensive Coverage Overview
Comprehensive coverage is also not required by Nevada law, although collision and comprehensive may be required by lenders. Comprehensive coverage is meant to cover your property for any non-accident incident. This might be animal collisions, theft, fire, or vandalism.
Uninsured/Underinsured Coverage
Uninsured/underinsured motorist coverage provides coverage for your own injuries and property damage after an accident if the at-fault driver is not carrying enough insurance to cover your expenses. The at-fault driver’s insurance company will only cover up to their coverage limits, so uninsured/underinsured motorist coverage can give you some extra help if needed.
Identifying Discounts to Lower Costs
Many insurance companies provide discounts that you might take advantage of to reduce your premiums. Insurance discounts may take off either a specific dollar amount or a percentage from your rates. Some of the most common discounts include:
- Student discount — For high school and college students with certain grade point averages
- Military discount — For former and current members of the military
- Autopay discount — For policyholders who set up automatic payments
- Paperless discount — For policyholders who sign up for electronic notices
- Bundling discount — For policyholders with more than one type of insurance
- Multicar discount — For drivers with more than one vehicle
These discounts can help you find cheap car insurance in Nevada. When looking for an auto insurance company, make sure they have discounts available that could benefit your situation.
Filing a Car Insurance Claim in Nevada
Immediately after an accident, you should get to a safe space and contact the police. You should file a police report, which will include details that can help during the claims process.
You should collect information from other drivers, including their name, contact information, license plate number, vehicle information, car insurance company, and policy number. Gather as many details from the accident as possible, such as pictures of property damage and injuries. Also, note if any cameras in the area caught footage of the accident.
File a claim with your insurance company, either by contacting your insurance agent or following your individual company’s policies. Many will allow you to file claims online or over the phone. A claims adjuster will be assigned to your case, and you can work with them to discuss the accident and go over the next steps in the process. Once your claim is approved, you can have your vehicle repaired.
Choosing the Best Insurance for Your Situation
Auto insurance coverage requirements in Nevada only include a set amount of liability insurance. If you want to prioritize getting the cheapest auto insurance rates, getting a policy with only the required amount is an option.
However, some drivers may prefer to pay a little more for extra coverage. If you have a loan on your vehicle, you may already be required to purchase collision and comprehensive coverage. Even if not required, these coverages will make sure your vehicle is covered for most situations. If you particularly value your vehicle, these coverage types may be a good idea.
Uninsured/underinsured motorist coverage can also be helpful for people who want to make sure they’re covered if an at-fault driver doesn’t have enough coverage. This coverage, along with personal injury protection (PIP), can be especially helpful for drivers who don’t have good health insurance and can’t afford to cover medical expenses out of pocket.
Shop Around for the Best Quotes
The best way to find cheap Nevada car insurance is to compare auto policies and rates from multiple providers. Car insurance rates vary based on ZIP code and driver profiles, so car insurance in Las Vegas, Nevada, will be priced differently than car insurance in Reno, Nevada.
Online comparison tools like EverQuote make it easy to get the best rates. Start by entering your ZIP code to get car insurance quotes from the largest auto insurance companies in Nevada for free.