What are state minimums for car insurance in Nevada?

New Hampshire requires a minimum of 25/50/25 of bodily injury and property damage coverage. The average rate for auto insurance is around $38.38/mo.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 15, 2021

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Things to remember...

Every state has its own requirements regarding car insurance. Auto insurance minimum requirements are the baseline amount of coverage necessary to register and legally drive in each state.

These minimum requirements exist for the safety of you behind the wheel, as well as everyone else on the road with you. Make sure you compare rates with our free quote tool above today!  In the state of Nevada specifically, state minimum requirements have been established for car insurance.

If you plan on getting behind the wheel of a vehicle within the state, you have to carry insurance that is in line with the requirements. Failure to do so means that you are unlawfully operating a vehicle in the state.

The state of Nevada has requirements around minimum coverage, whom the coverage is purchased through, etc. If you plan to own a car in the state of Nevada and operate it regularly, you have to meet the requirements.

Coverage Requirements in Nevada

There are minimum coverage requirements that you need to hold in the state of Nevada for car insurance. These minums are required to register any vehicle and to drive legally.

Auto insurance minimum requirements in Nevada are as follows:

    • $15,000 for bodily injury, or death of one person in any one accident.
    • $30,000 for bodily injury or death of two or more persons in any one accident.
    • $10,000 in coverage for injury to or destruction of property of others in any one accident.

The coverage requirements all exist for your safety, as well as the security of those on the road. If someone were to cause an accident that you were involved in, you would be protected so that you could be indemnified for the losses.

If you cause an accident of which you are liable, the minimum coverage is supposed to protect you from financial harm as a result of the loss caused.

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Where to Buy Nevada Car Insurance

You want to be sure that you are buying insurance from a company who is legally able to sell it to you. You could have a car insurance policy that meets all of the minimum requirements, but if the provider is not licensed in the state, the coverage is void.

Coverage has to be validated by an insurance company that has been authorized to do business in the state of Nevada. If you do not meet this criterion, even if you have a policy that exceeds the minimum coverage limits, it does you no good.


What Has to Be Reported to the Nevada DMV

There is also a reporting mechanism in place in the state of Nevada so that they can be made aware of insurance purchases.  It is known as Nevada LIVE verification.

Liability insurance has to be reported to the DMV as well as losses and claims that have been reported.

You do not need to submit to the DMV what you have for coverage in regards to comprehensive, collision, and other types. All you have to prove through the LIVE verification system is that you have the adequate amount of liability insurance coverage.

Registering a Vehicle in the State of Nevada

To be able to register a vehicle in the state of Nevada, you need to have with you the Nevada Evidence of Insurance card provided. The car insurance carrier which you purchase your policy from is going to be providing you with this card.

The vast majority of registration transactions will require this. When you are driving your vehicle, you also want to be sure that you have your evidence of insurance card handy, available for when you may need it.

There is a lot of considerations that have to be made when you are registering a car in the state of Nevada. Meeting the minimum car insurance requirements means that you have to shop the market and find the ideal policy.

You want to be sure that the coverage limits are adequate, as well as that the provider is licensed to do business in the state. Be certain you make price comparisons online as well so you can get the most value from your policy.

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Check Your Coverage and Seek Insurance Quotes in Nevada

You want to be proactive when it comes to your car insurance. Check out the current car insurance policy that you have. Does the pre-existing coverage you currently retain meet the minimum requirements in the state?

There is ample opportunity to get free quotes online so you can apply for new auto insurance, today! Make the most of the tools available and shop the market. Use our free insurance comparison tool below to compare the best rates for you!

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