Nevada car insurance: minimums, prices and your estimate
Nevada requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
Nevada is an at-fault state with no personal injury protection requirement. Insurers must offer at least $1,000 of medical payments coverage, and drivers 55 or older who complete an approved traffic safety course are entitled to a lower premium.
- Legal minimum
- 25/50/20
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (3 years)
What drivers in Nevada can expect to pay
Monthly ranges from our model, anchored to Nevada's position in 7 published price studies from 2025 and 2026 ($3,897 a year for full coverage and $1,255 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $279-$370 | $3,897 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $90-$119 | $1,255 |
| Young driver, full coverage20, own policy, clean record | $520-$779 | $7,794 |
| Senior, full coverage70, clean record | $268-$355 | $3,741 |
| After one at-fault accident35, full coverage | $419-$555 | $5,846 |
| After a DUI35, full coverage | $488-$733 | $7,326 |
| Poor credit35, clean record, full coverage | $498-$717 | $7,287 |
Build your Nevada estimate
Rules worth knowing in Nevada
- Uninsured motorist coverage of at least 25/50 is included unless you reject it in writing on your insurer's form. After a rejection, your insurer does not have to add it back at renewal unless you ask in writing.
- Insurers must offer uninsured and underinsured motorist coverage equal to the liability limits you buy, and include a copy of that offer at every renewal.
- Insurers may use credit-based insurance scores, but credit alone cannot be the reason to deny, cancel or refuse to renew a policy, or to set your renewal rate.
- You can ask your insurer for a reasonable exception to credit-based rating after events such as serious illness, divorce, the death of a close family member, identity theft or an involuntary job loss of 3 months or more.
- A bond can replace a policy only if it meets the same limits and comes from an issuer authorized in Nevada. Self-insurance is open only to people with more than 10 vehicles registered in the state.
- If Nevada requires you to file proof of insurance, commonly called an SR-22, you must keep it for 3 years after your license is reinstated, and your license and registrations are suspended if that policy ends during those 3 years.
Questions about Nevada car insurance
What is the minimum car insurance in Nevada?
Nevada requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
How much is car insurance in Nevada per month?
For a 35-year-old with a clean record, our model puts full coverage at about $279 to $370 a month and state-minimum coverage at about $90 to $119. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Nevada a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Nevada use my credit score?
Yes. Many insurers in Nevada use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Nevada?
Only if a court or the state requires one, usually after a serious violation or a lapse. If Nevada requires you to file proof of insurance, commonly called an SR-22, you must keep it for 3 years after your license is reinstated, and your license and registrations are suspended if that policy ends during those 3 years.