Auto Insurance Minimum Requirements
Nevada requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage — commonly written as 25/50/20. Nevada is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Important Notes
Nevada enforces severe cascading fines for any coverage lapse tracked via its real-time NV LIVE electronic verification portal.
Uninsured / Underinsured Motorist
Insurers must offer UM/UIM matching selected liability limits; rejection must be executed via signed waiver.
SR-22 Filings
Required for 3 consecutive years following suspension for driving uninsured or DUI convictions.
Alternatives to Insurance
A certificate of self-insurance granted to owners of more than 10 vehicles by the DMV.
Fine
$250–$1,000
License / Registration
Suspension: Yes (30 days)
SR-22 Required After
Yes
What is the minimum car insurance required in Nevada?
Nevada requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. This is written as 25/50/20 coverage.
Is Nevada a no-fault state?
No, Nevada is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Nevada?
Uninsured motorist coverage is not required in Nevada, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Nevada?
Driving without insurance in Nevada can result in fines of $250–$1,000 and license/registration suspension (Yes (30 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Nevada?
SR-22 filings are used in Nevada for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 consecutive years following suspension for driving uninsured or DUI convictions.
What does 25/50/20 mean in Nevada?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Nevada Department of Motor Vehicles
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.