Nevada Car Insurance

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Common questions about Nevada auto insurance

Need car insurance in Nevada? Whether you live in the Sierra Nevada or Las Vegas, Liberty Mutual can help you save on car insurance! From Liability Protection to Comprehensive Coverage we've got you covered. We'll help you customize your Nevada auto insurance, so you only pay for what you need.

What car insurance is required in Nevada?

In Nevada, it's illegal to drive without insurance. Drivers in Nevada are required to have car insurance coverage for

  • Bodily Injury to others
  • Property Damage Liability
  • Uninsured Motorist Bodily Injury

Here are the minimum auto insurance limits drivers must have in Nevada.1



Bodily Injury to Others$15,000 per person and $50,000 per accident
Property Damage Liability$20,000 per accident
Uninsured Motorist Coverage$25,000 per person and $50,000 per accident

Check out the Nevada Department of Motor Vehicles for more details.

Is Nevada a no-fault insurance state?

No, Nevada is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Nevada drivers may want to consider additional coverages:

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Nevada, drivers must opt out of these coverages in writing when buying a car insurance policy.

What's the average cost of car insurance in Nevada?

The average cost of car insurance in Nevada was $1,7682 in 2021 according to That's 16% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

It's also important to consider where you live. Some areas have a high rate of theft. In places like this, adding Comprehensive Coverage may be something to think about as this coverage can help cover you if your vehicle is stolen.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Nevada auto insurance with a customized policy so you only pay for what you need.

U.S. Map with Nevada state highlighted

What Nevada car insurance coverage is right for you?

All Nevada drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Nevada car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in Nevada?

Liberty Mutual knows that everyone has different needs for their Nevada auto insurance. Some may want the cheapest Nevada car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Nevada car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Nevada?

Getting the cheapest car insurance in Nevada sounds great, but it could cost you when you need it most. Beyond cost, you should make sure the company you pick is reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Nevada DOI for more information:
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2023 Liberty Mutual Insurance