Nevada Auto Insurance Policy Requirements

Q: What is in a basic Nevada auto insurance policy?
A: These primary types of auto insurance may be added to a Nevada auto insurance policy:

  1. Liability Coverage
    1. There are two kinds of liability coverage, so that property and people are considered as separate insurance concepts:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. The state of Nevada requires liability coverage. You must have at least liability coverage in your auto insurance policy in order to legally drive in Nevada:
      1. 15/30/10” (Nevada’s minimum auto insurance requirement)
      2. $15,000 for an accident resulting in the injury/death to one person.
      3. $30,000 for an accident resulting in the injury/death to more than one person.
      4. $10,000 for an accident resulting in damage to property.
    3. Liability minimums are not the same for leased vehicles.
  2. Collision Coverage is a requirement in Nevada only if your vehicle is financed (not completely paid for). It is not a state requirement for your Nevada auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage is a mandatory addition to your policy if your vehicle is financed. It is not a mandatory addition to your Nevada auto insurance policy if the vehicle is not financed.
  4. Medical Payments Coverage is not required but recommended for an auto insurance policy in Nevada.
  5. Uninsured (and Underinsured) Motorist Coverage is also not required but is recommenced to be added to your Nevada auto insurance policy.
  6. Personal Injury Protection (PIP) Coverage is not a mandatory part of a Nevada auto insurance policy.
  7. Other Coverage Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Nevada a No-Fault state?
A: Nevada is not a no-fault state.

Q: How can I get a discount on a Nevada auto insurance policy?
A: Many people qualify for discounts on their auto insurance policies. See our information on auto insurance discounts to see if you can have the cost of your policy lowered.

Q: Where can I find more information about Nevada auto insurance?
A: Some authoritative resources with information on Nevada insurance may guide you in your search:
  1. Nevada Insurance Resources
    1. The Nevada Department of Motor Vehicles (DMV) offers the services of vehicle registration and driver’s license administration.
    2. The Nevada Division of Insurance offers protection and regulation of the insurance industry to ensure stability and fairness for all parties involved.
  2. National Insurance Resources

CLICKinsure knows that Nevada offers much more than gambling and bright lights: From its silver mining ghost towns to its otherworldly Red Rock Canyon, the state is a gem of the West. With Las Vegas’s rocketing population growth and continuous expansion of its highway network, Nevadans need good auto insurance. Please consider CLICKinsure as your broker: We provide our full services to the entire state, including cities such as Las Vegas, Henderson, Paradise, Reno, Sunrise Manor, North Las Vegas, Spring Valley, Sparks, Carson City, and Pahrump.