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Nevada Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 12/02/2017

Nevada car insurance laws may be low in what they require, but they are very unforgiving.


State Regulator Information 775-687-4270
Insurance Premium Avg. Annual Premium: $ 1,342 National Average: $1,318
Mandatory Car Insurance Coverage Bodily Injury Liability:$15k/30k
Property Damage Liability: $10k
Nevada car insurance

Finding yourself penalized for not having Nevada car insurance wil be easier than you think.

Yikes! Nevada is another state that you really need to consider carrying more than what they require you to carry. In no way should you think that the amount that you are required to carry in Nevada is enough to completely protect you from the financial devastation of a serious car accident.

However, if the minimums are all that you can afford, that is much better than no coverage at all. Not to mention the fines you will have to pay for not having it.

Minimum Nevada Car Insurance Allowed

The state minimum requirements for Nevada car insurance should really be taken as a suggestion of what you have to carry. The state minimum requirements are barely enough to cover a minor accident, especially the property damage requirement. You really need to ask yourself what would happen to you financially if you caused a serious accident. Could you afford to pay for the expenses that went above and beyond the low liability limits you chose to carry if you went with the minimums?

Now that we have talked about how the minimum Nevada car insurance requirements are not enough to protect you, let’s find out exactly how low they are.

Starting with the property damage liability coverage, you only have to carry $10,000 in coverage to meet the minimum Nevada car insurance requirements. This coverage is for the damages you cause when you hit property that you do not own. Nevada car insurance also requires that you carry no less than $15,000 in coverage for bodily injury that you may cause to another person that is not in your vehicle. For multiple injuries, you only have to carry $30,000 in this bodily injury liability coverage.

Penalties for Lapsed Nevada Car Insurance

Just like the casinos in Las Vegas, Nevada has no forgiveness if you don’t play by the rules. They have no grace period or warnings if you let your Nevada car insurance lapse. You let it lapse just a single day and you will be seeing fines.

It used to be that it was a $250 reinstatement fee if you let your insurance lapse at any time. After new laws that were passed in 2011, Nevada now has a much more complicated tier of how much you will be paying if you let your insurance go. These fines are based on how long you let your insurance lapse and how many times you have let it lapse.

Length of Lapse: 1-30 Days 31-90 Days 91-180 Days 181 Days or More
1st Offense
Reinstatement Fee $250 $250 $250 $250
Fine $250 $500 $1,000
SR-22 Insurance Yes Yes
Totals $250 $500 $750 $1,250
2nd Offense
Reinstatement Fee $500 $500 $500 $500
Fine $500 $500 $1,000
SR-22 Insurance Yes Yes
Totals $500 $1,000 $1,000 $1,500
3rd Offense
Reinstatement Fee $750 $750 $750 $750
Fine $500 $750 $1,000
SR-22 Insurance Yes Yes
Driver License Suspension Min. 30 days Min. 30 days Min. 30 days Min. 30 days
Totals $750 $1,250 $1,500 $1,750

 Because there is no way I would be able to do justice to this tier system, the above chart is compliments of the Nevada DMV for Nevada car insurance penalties.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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