Buying car insurance in Nevada should never be a gamble. We have compiled this guide that lists what you need to know about buying car insurance in Nevada so that you can easily get the plan that fits your personal needs - at the lowest rate.

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Minimum Requirements for Car Insurance in Nevada

The minimum car insurance requirements in Nevada must be met to be a legal driver. The requirements are for bodily injury and property damage. These coverages will provide protection in the event you are in an accident and found at-fault. We listed the minimum requirements and their limits: 

Is the minimum Car Insurance Coverage Enough?

It is important to know if you are in an accident the minimum car insurance requirements will not cover your personal bodily injury or property damages. If you are at-fault the opposing party will be covered by your policy. Who is going to pay for your damages and injuries if you are at fault? You are, out-of-pocket. This is just one example of why you need more than the minimum car insurance coverage. We always recommend purchasing the most car insurance you can afford.

Additional Coverages Available

Adding additional coverages will cover you in a variety of situations. We have put together a list of additional coverages and how they provide protection: 

• Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

• Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

• Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

• Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

• Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.

• Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.

Teen Drivers in Nevada 

At 15 1/2 in Nevada, a teen can begin their driving journey. Almost always a teen needs to complete a drivers education course according to the Department of Motor Vehicles in Nevada. This means it is time to start shopping for car insurance. A teen has to have car insurance, just like an adult. Adding a teen to your policy is going to increase your premiums. However, it is typically cheaper than them getting their own policy.  Adding a teen as a primary driver, who has their own car is a higher risk than adding a teen to your policy that shares a vehicle with another driver on the policy. There are discounts offered to teen drivers, check with your car insurance company to see what is available.

Multiple Drivers in Your Home in Nevada 

If you have more than one driver in your home you need to inform your car insurance agent. This is to ensure maximum coverage and alleviate the possibility of any back premiums or loss of coverage. 

If you want to exclude any drivers in your house you can do so, just make sure you tell your car insurance agent. Once you exclude a driver you should never let them use your vehicle because they will not be covered. Any damages that occur will be your responsibility and could result in out-of-pocket expenses. 

Penalties for Driving Without Car Insurance 

If you are found to be without car insurance in Nevada there are penalties. Nevada uses LIVE and traffic stops to determine insurance eligibility. LIVE is a registration database that can detect if someone doesn’t have car insurance, you have 15 days to confirm your insurance status once notified.

Nevada uses a tiered penalty system based on prior violations and length of insurance lapse. Here is a list of the penalties:

• First Offense- If you are found to be without car insurance your driver's license is suspended regardless of the offense or length of time. You must show proof of insurance to have your license reinstated. 

  • The first 30 days your insurance has lapsed you will pay a reinstatement fee of $251.

  •  If your insurance has lapsed 31-90 days you will pay a $250 fine and a $251 reinstatement fee. 

  • If your car insurance has lapsed 91-180 days you will pay a $500 fine, your license is suspended until you file an SR-22, which you must maintain for three years, and you will pay a $251 reinstatement fee.

  • If your car insurance has lapsed 181 or more days you will pay a $1000 fine, your license is suspended until you file an SR-22, which you must maintain for three years, and you will pay a $251 reinstatement fee.

• Second Offense- If you are found to be without car insurance your driver's license is suspended regardless of the offense or length of time. You must show proof of insurance to have your license reinstated. 

  • The first 30 days your insurance has lapsed you will pay a reinstatement fee of $501.

  • If your insurance has lapsed 31-90 days you will pay a $500 fine and a $501 reinstatement fee.

  • If your car insurance has lapsed 91-180 days you will pay a $500 fine, your license is suspended until you file an SR-22, which you must maintain for three years, and you will pay a $501 reinstatement fee. 

  • If your car insurance has lapsed 181 or more days you will pay a $1000 fine, your license is suspended until you file an SR-22, which you must maintain for three years, and you will pay a $501 reinstatement fee.

• Third and Subsequent Offenses- If you are found to be without car insurance for a third time your driver's license is suspended for a minimum of 30 days regardless of the length of time your insurance has lapsed. You must show proof of insurance to have your license reinstated. 

  • The first 30 days your insurance has lapsed you will pay a reinstatement fee of $751 and maintain an SR-22 certificate for three years. 

  • If your insurance has lapsed 31-90 days you will pay a $500 fine and a $751 reinstatement fee. You will also need to maintain n SR-22 certificate for three years.

  •  If your car insurance has lapsed 91-180 days you will pay a $750 fine, you must maintain an SR-22  for three years, and you will pay a $751 reinstatement fee. 

  • If your car insurance has lapsed 181 or more days you will pay a $1000 fine, you will file an SR-22 which you must maintain for three years, and you will pay a $751 reinstatement fee.

Car Insurance Discounts in Nevada

It is not uncommon to hit the jackpot for car insurance discounts in Nevada. However, you might have to do some digging. Asking your car insurance company for a complete list of discounts is the best place to start. By doing this you will unleash all the discounts you qualify for. We have provided a short list of common in Nevada to get you started: 

• Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

• Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

• Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount. 

Get a Nevada Car Insurance Quote

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