Nevada Car Insurance
Nevada drivers must carry 25/50/20 liability under NRS § 485.1851. UM and UIM are a must-offer at policy BI limits under NRS § 687B.1452, with written rejection required to decline. The Nevada DMV runs electronic verification under NRS § 485.317 with a daily-penalty structure for extended lapses3.
YesWeSure Bottom Line
Lapses are expensive in Nevada. Extended lapses trigger a daily-penalty structure under NRS § 485.317, with reinstatement fees and SR-22 filing requirements on top3.
UM/UIM default is at policy limits. UM and UIM ship at the policy's BI limits unless the named insured rejects or reduces the coverage in writing2.
How to make a real decision. Treat 25/50/20 as a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Nevada car insurance law requires
Minimum liability limits
25 / 50 / 201
$25,000 bodily injury per person, $50,000 per accident, $20,000 property damage per accident, under NRS § 485.185. Minimums rose from 15/30/10 effective July 1, 2018 (SB 308 of 2017).
Personal Injury Protection (PIP)
Not required4
Nevada is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must offer at policy BI limits2
NRS § 687B.145 requires every Nevada personal auto policy to include UM/UIM at the policy's bodily-injury limits unless the named insured rejects it in writing.
Coverage verification
Nevada DMV electronic verification3
The Nevada DMV administers electronic insurance verification. Confirmed lapse under NRS § 485.317 can trigger registration suspension, reinstatement fees, SR-22 filing requirements, and a daily-penalty structure for extended lapses.
Rate approval regime
Nevada Division of Insurance oversight4
Nevada does not maintain a headline statewide prohibition on credit-based insurance scoring as a personal-auto rating factor.
25/50/20 compulsory liability
NRS § 485.185 compels every registered Nevada vehicle to carry 25/50/20 liability1. Minimums rose from 15/30/10 effective July 1, 2018 under SB 308 of 2017. Many Nevada drivers carry higher limits.
PIP: not required in Nevada
Nevada does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM/UIM must-offer under NRS § 687B.145
Every Nevada personal auto policy must include UM/UIM at the policy's bodily-injury limits unless the named insured rejects the coverage in writing2.
DMV verification and lapse enforcement
The Nevada DMV administers electronic insurance verification under NRS § 485.31735. A confirmed lapse can trigger registration suspension, reinstatement fees, SR-22 filing requirements, and the daily-penalty structure. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Nevada does not maintain a headline statewide prohibition on credit-based insurance scoring as a personal-auto rating factor4.
Where the Nevada situation rules live on YesWeSure
This State Guide owns the Nevada pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Nevada SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Nevada. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/20 minimum liability under NRS § 485.185 verified against the statute. Minimums rose from 15/30/10 effective July 1, 2018.
- StrongNevada is a traditional tort state (no PIP) verified against the Nevada Division of Insurance consumer page. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM must-offer at policy BI limits under NRS § 687B.145 verified against the statute. Written rejection required to decline.
- StrongNevada DMV electronic verification under NRS § 485.317 verified against the statute and the Nevada DMV consumer page. Extended lapses trigger a daily-penalty structure.
- LimitedDeliberately omitted from V1. A Nevada modeled cost anchor; carrier-specific NV underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Nevada-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Nevada?
25/50/20 liability under NRS § 485.1851. UM/UIM is a must-offer at policy BI limits and ships on the policy unless rejected in writing2.
Is Nevada a no-fault state?
No. Nevada is a traditional tort state and does not require PIP4.
Is UM/UIM required in Nevada?
UM and UIM are must-offer at policy BI limits. They are included on every Nevada personal auto policy unless the named insured rejects or reduces the coverage in writing under NRS § 687B.1452.
Sources & methodology
- NRS § 485.185: compulsory motor vehicle liability insurance; 25/50/20 minimum effective July 1, 2018 (SB 308 of 2017). (Nevada Legislature, TIER 1)
- NRS § 687B.145: Uninsured and Underinsured Motorist must-offer at policy BI limits; written rejection required. (Nevada Legislature, TIER 1)
- NRS § 485.317: electronic insurance verification; penalties and registration suspension for lapse. (Nevada Legislature, TIER 1)
- Nevada Division of Insurance: Automobile Insurance consumer page. (Nevada Division of Insurance, TIER 1)
- Nevada DMV: Insurance Requirements consumer page. (Nevada Department of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Nevada Revised Statutes, Nevada Division of Insurance, Nevada DMV). Every legal number traces to a Nevada primary source: NRS §§ 485.185, 485.317, 687B.145. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .