What is the minimum car insurance required in Nevada?

$25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons, and $20,000 for injury to or destruction of the property of others.

Does Nevada have a grace period for lapsed insurance?

No. Nevada states explicitly that there are no grace periods. Coverage is validated electronically and a gap of any length can trigger registration suspension and reinstatement fees.

When did Nevada raise its insurance minimums?

On 1 July 2018, following Senate Bill 308 in the 2017 legislative session. The limits rose from 15/30/10 to the current 25/50/20.

Is uninsured motorist coverage required in Nevada?

No, it is optional — but Nevada law requires your insurer to offer it at a level no lower than the minimum liability limits. If your declarations page does not show it, the offer was made and declined.

What proof of insurance do I need to carry in Nevada?

Nevada Evidence of Liability Insurance, either in the vehicle or on a mobile device. Coverage must also be validated electronically by a carrier authorised to do business in Nevada.

Nevada

Auto insurance in Nevada: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Nevada raised its minimum liability limits to 25/50/20 on 1 July 2018 under Senate Bill 308, up from 15/30/10. The rule most likely to catch a Nevada driver out is not the limits though — it is that Nevada has no grace period for a lapse. Coverage is verified electronically and continuously, and a few days between policies is treated as a gap.

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What Nevada requires you to carry

Minimum liability limits in Nevada — 25/50/20
Bodily injury, per person	$25,000
Bodily injury, per accident	$50,000
Property damage, per accident	$20,000

These are floors, not recommendations. Nevada sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Nevada enforces it

Nevada is strict about continuity: there are no grace periods. Coverage must be validated electronically by a carrier authorised to do business in Nevada, and you must carry Nevada Evidence of Liability Insurance in the vehicle or on a mobile device. A lapse of any length can trigger registration suspension and reinstatement fees.

How rates are set in Nevada

Nevada is an at-fault state. The driver responsible for a crash is responsible for the resulting injury and property damage, and their liability limits cap what the insurer pays on their behalf.

The Nevada Division of Insurance regulates carriers, handles complaints and publishes an annual Consumer’s Guide to Auto Insurance Rates. Nevada is a competitive-rating state, so carriers apply their own filed models.

Uninsured and underinsured motorist coverage is optional in Nevada, but state law requires an insurer to offer it at a level no lower than the minimum liability limits.

Credit-based insurance scores in Nevada

Nevada permits credit-based insurance scores in rating. The Division of Insurance publishes an annual Consumer’s Guide to Auto Insurance Rates comparing carriers — one of the more useful regulator publications in the country and a faster route to a sense of the market than gathering quotes one at a time.

What actually moves your premium here

The minimums rose in 2018 and have not moved since

Senate Bill 308 raised Nevada from 15/30/10 to 25/50/20 effective 1 July 2018. That was a substantial increase at the time, but it is now several years of vehicle and medical cost inflation old, and the protection those numbers buy has eroded accordingly.

There is no grace period

Nevada says this explicitly, and it catches people out. A gap of a few days between policies is a lapse, and the registration consequences follow from the electronic verification record rather than from any traffic stop. Overlap your policies rather than timing them to meet.

Las Vegas dominates the state’s risk profile

The Las Vegas metro holds the large majority of Nevada’s population and drives most of its claim frequency — tourist traffic, high-volume arterials and dense commercial activity. Reno and rural Nevada price quite differently, and carriers rate by garaging ZIP.

UM/UIM is optional, but must be offered at your liability limits

Nevada law requires carriers to offer uninsured and underinsured motorist coverage at no less than your minimum liability limits. Taking it is your choice, but the offer has to be there — so if your declarations page does not show it, you declined it.

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Comparing carriers in Nevada

Start with the Division’s annual auto rate guide. It compares carriers directly and will tell you faster than a round of quotes whether what you are being offered is in the right range.

When switching, make the new policy start before the old one ends. Nevada has no grace period and the electronic verification system will record even a short gap as a lapse.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Nevada

Nevada requires an SR-22 filing after certain suspensions, including driving without insurance and DUI convictions. Your insurer files it with the DMV and must notify the state if the policy lapses. Confirm the period for your case with Nevada DMV, since it runs from your reinstatement date.

Nevada auto insurance FAQ

What is the minimum car insurance required in Nevada?: $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons, and $20,000 for injury to or destruction of the property of others.
Does Nevada have a grace period for lapsed insurance?: No. Nevada states explicitly that there are no grace periods. Coverage is validated electronically and a gap of any length can trigger registration suspension and reinstatement fees.
When did Nevada raise its insurance minimums?: On 1 July 2018, following Senate Bill 308 in the 2017 legislative session. The limits rose from 15/30/10 to the current 25/50/20.
Is uninsured motorist coverage required in Nevada?: No, it is optional — but Nevada law requires your insurer to offer it at a level no lower than the minimum liability limits. If your declarations page does not show it, the offer was made and declined.
What proof of insurance do I need to carry in Nevada?: Nevada Evidence of Liability Insurance, either in the vehicle or on a mobile device. Coverage must also be validated electronically by a carrier authorised to do business in Nevada.

Sources

Requirements on this page were verified against Nevada’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Nevada: Nevada Division of Insurance, (888) 872-3234.