Nevada car insurance laws

Nevada requires that drivers carry at least 25/50/20.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Nevada drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Nevada car insurance requirements

Nevada requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Nevada liability minimums are 25/50/20.

The average cost of a minimum coverage policy is $720. However, Geico has the lowest minimum car insurance rates, averaging $430.

The table below shows the top insurers' average rates for minimum coverage in Nevada.

CompanyAverage annual premiumAverage monthly premium
Geico$430$36
State Farm$431$36
Progressive$625$52
Mercury Insurance$631$53
Travelers$634$53
CSAA Insurance (AAA)$867$72
American Family$1,035$86
Farmers$1,091$91
Allstate$1,109$92
USAA$482$40
Read our methodology

Nevada car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $720. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Nevada.

The cheapest company for minimum coverage in Nevada is Geico at an average rate of $430 annually.

State minimum coverage limit25/50/20
Average annual premium$720
Average monthly premium$60
Read our methodology

Are the Nevada minimum coverage requirements changing in 2025?

Nevada car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Nevada?

Nevada requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Nevada drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Nevada minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/20, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Nevada?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Nevada penalties for driving without car insurance

Since Nevada requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Nevada car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines$250-$1,250
Other penaltiesLicense and registration suspension
Jail timeNo
Read our methodology

Nevada minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. State Farm has the best rates for teens with minimum coverage averaging $1,442. State Farm offers the cheapest coverage for adults at $434.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $739, and the average rate for a 40-year-old male is $700, a difference of $39.

Male
AgeCompanyMale annual premiumMale monthly premium
16State Farm$1,998$167
16Geico$2,556$213
16American Family$3,012$251
16Travelers$4,313$359
16Mercury Insurance$4,605$384
16CSAA Insurance (AAA)$4,624$385
16Progressive$4,904$409
16Allstate$5,422$452
16Farmers$8,290$691
17Geico$1,512$126
17State Farm$1,726$144
17American Family$2,865$239
17Travelers$3,065$255
17Mercury Insurance$3,635$303
17Progressive$3,857$321
17CSAA Insurance (AAA)$4,063$339
17Allstate$4,503$375
17Farmers$6,552$546
18Geico$1,323$110
18State Farm$1,472$123
18Travelers$2,340$195
18American Family$2,720$227
18Mercury Insurance$3,056$255
18Progressive$3,135$261
18CSAA Insurance (AAA)$3,254$271
18Allstate$3,314$276
18Farmers$5,233$436
19Geico$989$82
19State Farm$1,254$105
19Progressive$1,753$146
19Travelers$1,771$148
19Allstate$2,250$188
19Mercury Insurance$2,274$190
19American Family$2,342$195
19CSAA Insurance (AAA)$2,400$200
19Farmers$2,821$235
20Geico$910$76
20State Farm$1,073$89
20Travelers$1,435$120
20Progressive$1,538$128
20Mercury Insurance$1,875$156
20American Family$1,974$165
20Allstate$1,980$165
20CSAA Insurance (AAA)$2,009$167
20Farmers$2,464$205
21Geico$656$55
21State Farm$899$75
21Travelers$1,152$96
21Progressive$1,202$100
21Mercury Insurance$1,552$129
21Allstate$1,591$133
21CSAA Insurance (AAA)$1,706$142
21American Family$1,763$147
21Farmers$2,602$217
22Geico$523$44
22State Farm$798$67
22Travelers$1,019$85
22Progressive$1,072$89
22Mercury Insurance$1,397$116
22CSAA Insurance (AAA)$1,471$123
22Allstate$1,530$128
22American Family$1,564$130
22Farmers$2,486$207
23Geico$483$40
23State Farm$689$57
23Travelers$905$75
23Progressive$970$81
23Mercury Insurance$1,263$105
23CSAA Insurance (AAA)$1,321$110
23American Family$1,397$116
23Allstate$1,438$120
23Farmers$2,323$194
24Geico$459$38
24State Farm$598$50
24Travelers$839$70
24Progressive$869$72
24Mercury Insurance$906$76
24CSAA Insurance (AAA)$1,224$102
24American Family$1,266$106
24Allstate$1,268$106
24Farmers$2,216$185
25Geico$444$37
25State Farm$526$44
25Progressive$725$60
25Travelers$736$61
25Mercury Insurance$792$66
25CSAA Insurance (AAA)$1,038$87
25Allstate$1,107$92
25American Family$1,134$95
25Farmers$1,233$103
30Geico$389$32
30State Farm$428$36
30Progressive$637$53
30Mercury Insurance$671$56
30Travelers$715$60
30CSAA Insurance (AAA)$1,017$85
30Allstate$1,093$91
30American Family$1,108$92
30Farmers$1,115$93
35Geico$383$32
35State Farm$424$35
35Mercury Insurance$608$51
35Progressive$621$52
35Travelers$713$59
35CSAA Insurance (AAA)$977$81
35Farmers$1,038$87
35American Family$1,080$90
35Allstate$1,093$91
40Geico$386$32
40State Farm$431$36
40Mercury Insurance$594$50
40Progressive$609$51
40Travelers$651$54
40CSAA Insurance (AAA)$939$78
40Farmers$1,011$84
40American Family$1,050$88
40Allstate$1,093$91
45Geico$384$32
45State Farm$435$36
45Mercury Insurance$598$50
45Progressive$607$51
45Travelers$651$54
45CSAA Insurance (AAA)$904$75
45Farmers$975$81
45American Family$1,008$84
45Allstate$1,093$91
50Geico$384$32
50State Farm$428$36
50Progressive$575$48
50Mercury Insurance$587$49
50Travelers$651$54
50CSAA Insurance (AAA)$833$69
50Farmers$943$79
50American Family$985$82
50Allstate$1,123$94
55Geico$384$32
55State Farm$417$35
55Mercury Insurance$549$46
55Progressive$582$49
55Travelers$604$50
55CSAA Insurance (AAA)$824$69
55Farmers$888$74
55American Family$980$82
55Allstate$1,123$94
60Geico$389$32
60State Farm$406$34
60Mercury Insurance$579$48
60Progressive$585$49
60Travelers$617$51
60CSAA Insurance (AAA)$809$67
60Farmers$933$78
60American Family$970$81
60Allstate$1,133$94
65Geico$406$34
65State Farm$406$34
65Progressive$622$52
65Mercury Insurance$646$54
65Travelers$686$57
65CSAA Insurance (AAA)$790$66
65American Family$1,034$86
65Farmers$1,079$90
65Allstate$1,198$100
70State Farm$431$36
70Geico$454$38
70Progressive$689$57
70Travelers$753$63
70Mercury Insurance$758$63
70CSAA Insurance (AAA)$912$76
70American Family$1,172$98
70Allstate$1,221$102
70Farmers$1,226$102
75State Farm$482$40
75Geico$506$42
75Travelers$873$73
75Progressive$880$73
75Mercury Insurance$993$83
75CSAA Insurance (AAA)$1,139$95
75Allstate$1,217$101
75Farmers$1,404$117
75American Family$1,431$119
16USAA$2,220$185
17USAA$1,837$153
18USAA$1,543$129
19USAA$1,216$101
20USAA$1,046$87
21USAA$768$64
22USAA$708$59
23USAA$664$55
24USAA$630$53
25USAA$608$51
30USAA$506$42
35USAA$486$41
40USAA$472$39
45USAA$462$39
50USAA$451$38
55USAA$448$37
60USAA$451$38
65USAA$476$40
70USAA$542$45
75USAA$629$52
Read our methodology
AgeCompanyFemale annual premiumFemale monthly premium
16State Farm$1,566$131
16Geico$2,782$232
16American Family$2,816$235
16Travelers$3,159$263
16Mercury Insurance$4,095$341
16CSAA Insurance (AAA)$4,250$354
16Progressive$4,461$372
16Allstate$5,706$476
16Farmers$7,597$633
17Geico$1,659$138
17State Farm$1,349$112
17American Family$2,683$224
17Travelers$2,286$191
17Mercury Insurance$3,178$265
17Progressive$3,252$271
17CSAA Insurance (AAA)$3,529$294
17Allstate$3,839$320
17Farmers$4,974$415
18Geico$1,475$123
18State Farm$1,164$97
18Travelers$1,772$148
18American Family$2,549$212
18Mercury Insurance$2,674$223
18Progressive$2,744$229
18CSAA Insurance (AAA)$2,822$235
18Allstate$3,190$266
18Farmers$4,641$387
19Geico$1,168$97
19State Farm$1,004$84
19Progressive$1,584$132
19Travelers$1,370$114
19Allstate$2,139$178
19Mercury Insurance$1,941$162
19American Family$2,200$183
19CSAA Insurance (AAA)$2,095$175
19Farmers$2,597$216
20Geico$1,064$89
20State Farm$877$73
20Travelers$1,143$95
20Progressive$1,404$117
20Mercury Insurance$1,705$142
20American Family$1,859$155
20Allstate$1,651$138
20CSAA Insurance (AAA)$1,769$147
20Farmers$2,259$188
21Geico$770$64
21State Farm$750$63
21Travelers$955$80
21Progressive$1,159$97
21Mercury Insurance$1,431$119
21Allstate$1,467$122
21CSAA Insurance (AAA)$1,510$126
21American Family$1,665$139
21Farmers$2,328$194
22Geico$614$51
22State Farm$682$57
22Travelers$870$73
22Progressive$1,072$89
22Mercury Insurance$1,257$105
22CSAA Insurance (AAA)$1,403$117
22Allstate$1,446$121
22American Family$1,480$123
22Farmers$2,209$184
23Geico$593$49
23State Farm$595$50
23Travelers$824$69
23Progressive$946$79
23Mercury Insurance$1,176$98
23CSAA Insurance (AAA)$1,244$104
23American Family$1,326$111
23Allstate$1,327$111
23Farmers$2,052$171
24Geico$572$48
24State Farm$537$45
24Travelers$805$67
24Progressive$867$72
24Mercury Insurance$837$70
24CSAA Insurance (AAA)$1,162$97
24American Family$1,205$100
24Allstate$1,212$101
24Farmers$1,997$166
25Geico$546$46
25State Farm$482$40
25Progressive$748$62
25Travelers$703$59
25Mercury Insurance$775$65
25CSAA Insurance (AAA)$993$83
25Allstate$1,124$94
25American Family$1,083$90
25Farmers$1,116$93
30Geico$476$40
30State Farm$428$36
30Progressive$680$57
30Mercury Insurance$746$62
30Travelers$680$57
30CSAA Insurance (AAA)$957$80
30Allstate$1,124$94
30American Family$1,064$89
30Farmers$1,055$88
35Geico$523$44
35State Farm$424$35
35Mercury Insurance$736$61
35Progressive$669$56
35Travelers$674$56
35CSAA Insurance (AAA)$903$75
35Farmers$1,077$90
35American Family$1,043$87
35Allstate$1,124$94
40Geico$474$40
40State Farm$431$36
40Mercury Insurance$669$56
40Progressive$641$53
40Travelers$617$51
40CSAA Insurance (AAA)$859$72
40Farmers$1,172$98
40American Family$1,020$85
40Allstate$1,124$94
45Geico$467$39
45State Farm$435$36
45Mercury Insurance$674$56
45Progressive$639$53
45Travelers$617$51
45CSAA Insurance (AAA)$830$69
45Farmers$1,062$89
45American Family$986$82
45Allstate$1,124$94
50Geico$467$39
50State Farm$428$36
50Progressive$592$49
50Mercury Insurance$619$52
50Travelers$617$51
50CSAA Insurance (AAA)$799$67
50Farmers$968$81
50American Family$968$81
50Allstate$1,069$89
55Geico$467$39
55State Farm$417$35
55Mercury Insurance$615$51
55Progressive$572$48
55Travelers$574$48
55CSAA Insurance (AAA)$769$64
55Farmers$884$74
55American Family$968$81
55Allstate$1,069$89
60Geico$467$39
60State Farm$406$34
60Mercury Insurance$604$50
60Progressive$576$48
60Travelers$583$49
60CSAA Insurance (AAA)$752$63
60Farmers$849$71
60American Family$963$80
60Allstate$1,088$91
65Geico$477$40
65State Farm$406$34
65Progressive$618$52
65Mercury Insurance$645$54
65Travelers$649$54
65CSAA Insurance (AAA)$775$65
65American Family$1,032$86
65Farmers$933$78
65Allstate$1,160$97
70State Farm$431$36
70Geico$520$43
70Progressive$686$57
70Travelers$697$58
70Mercury Insurance$697$58
70CSAA Insurance (AAA)$875$73
70American Family$1,176$98
70Allstate$1,160$97
70Farmers$1,041$87
75State Farm$482$40
75Geico$581$48
75Travelers$778$65
75Progressive$779$65
75Mercury Insurance$789$66
75CSAA Insurance (AAA)$1,007$84
75Allstate$1,305$109
75Farmers$1,184$99
75American Family$1,445$120
16USAA$2,198$183
17USAA$1,825$152
18USAA$1,532$128
19USAA$1,206$101
20USAA$1,046$87
21USAA$768$64
22USAA$712$59
23USAA$671$56
24USAA$638$53
25USAA$630$53
30USAA$527$44
35USAA$506$42
40USAA$492$41
45USAA$482$40
50USAA$475$40
55USAA$469$39
60USAA$475$40
65USAA$500$42
70USAA$542$45
75USAA$612$51
Read our methodology

Nevada minimum coverage cost by city

Elko drivers pay the least for minimum coverage in Nevada at $506. However, Las Vegas pay the most at $1,025.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Nevada.

CityAverage annual premiumAverage monthly premium
Elko$506$42
Fernley$507$42
Reno$601$50
Sparks$604$50
Mesquite$656$55
Boulder City$757$63
Henderson$895$75
North Las Vegas$1,005$84
Las Vegas$1,025$85
Read our methodology

Optional car insurance coverage in Nevada

Nevada requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

  • Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
  • Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
  • Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
  • Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
  • Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Nevada car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Nevada?

Yes, Nevada requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/20.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Nevada?

If you're caught driving without car insurance in Nevada, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.

Compare state minimum requirements with other states

Alabama
$433/year
Alaska
$398/year
Arizona
$516/year
Arkansas
$397/year
California
$551/year
Colorado
$437/year
Connecticut
$704/year
Delaware
$788/year
Florida
$993/year
Georgia
$577/year
Hawaii
$396/year
Idaho
$357/year
Illinois
$421/year
Indiana
$417/year
Iowa
$260/year
Kansas
$434/year
Kentucky
$606/year
Louisiana
$722/year
Maine
$335/year
Maryland
$727/year
Massachusetts
$511/year
Michigan
$654/year
Minnesota
$475/year
Mississippi
$463/year
Missouri
$488/year
Montana
$350/year
Nebraska
$331/year
New Hampshire
$397/year
New Jersey
$853/year
New Mexico
$421/year
New York
$731/year
North Carolina
$476/year
North Dakota
$349/year
Ohio
$362/year
Oklahoma
$408/year
Oregon
$641/year
Pennsylvania
$375/year
Rhode Island
$646/year
South Carolina
$720/year
South Dakota
$307/year
Tennessee
$442/year
Texas
$572/year
Utah
$582/year
Vermont
$306/year
Virginia
$428/year
Washington
$438/year
Washington, D.C.
$558/year
West Virginia
$510/year
Wisconsin
$365/year
Wyoming
$288/year
Show more
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