Nevada Car Insurance Requirements

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Minimum car insurance in Nevada

Nevada requires car owners to buy only one type of auto insurance: Liability. But for many drivers, having only the minimum state-required insurance isn't enough. Let's look at what's available in Nevada so you can make the right picks.

Minimum liability insurance in Nevada:

Liability car insurance is essential coverage. If you cause a car accident, it pays for damage and medical bills for others. If you take a gamble and buy only the minimum required liability insurance, you could find yourself being sued for car accident bills that are not covered by insurance.

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $20,000 property damage per accident

This is often written as 25/50/20.

Uninsured/underinsured motorist (UM/UIM) coverage:

  • UM/UIM is coverage that pays medical bills if a driver with little or no liability insurance hits you and causes injuries. Nevada auto insurance companies must offer you UM/UIM coverage but you can reject it in writing. If you buy it, the minimum coverage is $25,000 per person/$50,000 per accident (25/50). 

Other Nevada auto insurance 

Medical payments (MedPay)
Covers medical bills for you and your passengers no matter who was at fault. It will also pay your medical bills if you're a pedestrian and struck by a car, up to your MedPay limits.

Comprehensive coverage
For theft of your car or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions. You are probably required to have comprehensive insurance if you have a car loan or lease.

Collision coverage
For damage to your car caused by hitting another car or an object, like a tree. You are probably required to have collision insurance if you have a car loan or lease.

   More: Cheap car insurance in Nevada

Rental reimbursement
Pays for a rental car while your vehicle is being repaired after an accident.

You must show an insurance ID card (or other proof of financial responsibility) when:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having auto insurance in Nevada

  • Misdemeanor, court may impose fine of not more than $1,000.
  • Civil penalties of $600-$1,000 fine, suspension of license and registration

Source: Property Casualty Insurers Association of America

Consumer car insurance complaints

The Nevada department of insurance is in charge of handling complaints against insurance companies that operate in the state. Shown below are national complaint ratios for the largest auto insurance companies in Nevada. The ratio shows the level of complaints relative to a company's amount of business.

Car insurance complaints in Nevada

Updated Aug. 13, 2018

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