Nevada car insurance

Common questions about Nevada
auto insurance

Need car insurance in Nevada? Whether you live in the Sierra Nevada or Las Vegas, Liberty Mutual Insurance 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

Bodily Injury to others
Property Damage Liability
Uninsured Motorist Bodily Injury

Here are the minimum auto insurance limits drivers must have in Nevada.²

Coverage	Amount
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 considered 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 $1,768³ in 2021 according to thezebra.com. 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.

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.

See how much you could save on car insurance

Who has the cheapest car insurance in Nevada?

Getting the cheapest car insurance in Nevada may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴