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Nevada Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Nevada. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Nevada.

NV Auto Insurance Laws and Regulations:

Nevada Dept. of Insurance / Carson City Office
788 Fairview Drive #300
Carson City, NV 89701

Minimum Car Insurance Coverage in NV:

$15,000 for injury/death to one person

$30,000 for injury to more than one person

$10,000 for damage to property

NV Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


NV Uninsured Penalties:

If caught without such coverage, your registration will be suspended resulting in the removal of your license plates by law enforcement officers.

To reinstate your suspended registration you will pay a fee of up to $250.

If, one who owns a registered vehicle in Nevada uses it or allows others to use it without having an auto insurance policy, is charged a Reinstatement Fee to the Department of Motor Vehicles. -If one owns and uses a car without any auto insurance in Nevada and is found guilty by a law enforcement officer, then the penalty is determined by a court of jurisdiction.

If someone drives a car without auto insurance and the car meets an accident, then the registration of the car and the License of the Driver is cancelled according to Nevada Auto Insurance Law. - If someone uses his car for certain period of time without buying auto insurance policy, then he is sure to find difficulty in finding auto insurance companies to insure his car when he decides to buy an auto insurance policy.


NV Department of Insurance Contact Information:

1-775-687-4270 or
Toll Free: 1-800-992-0900

NV State Insurance Department Website:





Directory of Nevada Auto Insurance Agents by County

Carson City
Churchill
Clark
Douglas
Elko
Humboldt
Lander
Lincoln
Lyon
Nye
Pershing
Washoe
White Pine

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