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Nevada Auto Insurance

Be sure to research Nevada auto insurance before deciding on the one that will provide your coverage.  Nevada auto insurance is required and must meet the following minimum coverage limits:

  • $15,000 for bodily injury or death of one person
  • $30,000 for bodily injury or death of 2 or more persons
  • $10,000 for property damage


Other types of optional coverage include:

  • Medical Coverage (sometimes called PIP or MedPay)
  • Uninsured and Underinsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage


The risks of not having Nevada auto insurance are extensive and include personal, financial and legal repercussions.  Be sure to obtain at least the minimum Nevada auto insurance coverage and do not allow your coverage to lapse.  The fees you will pay to have your auto insurance and registration reinstated can top $250.


If you are seeking to insure a new or teen driver, or if your Nevada Driving Record has been assessed points, it is advisable that you speak to an agent about receiving discounts for:

  • Enrolling in Driving School, such as the online Defensive Driving course offered by Driving University
  • Insuring multiple vehicles on one policy
  • Being a current high school or college student
  • Having anti-theft devices installed on your vehicles
  • Bundling insurance coverage such as homeowner’s and auto
  • Having a demerit-free Nevada Driving Record


Navigating the waters of the auto insurance industry does not have to be overwhelming.  Educate yourself before beginning your research and know what makes you a low-risk equitable driver.  Use your assets to your advantage when discussing coverage with an auto insurance agent.

 

Auto Insurance Agents 

Need to find an auto insurance agent in your area? Read more...

 

Comparing Companies and Rates 

When obtaining Nevada auto insurance coverage and choosing an auto insurance company, the best advice is to shop around.  Even if you have a less-than-perfect Nevada Driving Record, your rates will vary from company to company.  Auto insurance companies are competing for your business, so be sure to obtain quotes from various companies before choosing one. Read more...

 

Auto Insurance Discounts 

It may come as no surprise to learn that low-risk drivers receive the best auto insurance rates, but are you aware of the many other ways to earn auto insurance discounts?  Because auto insurance jargon may be foreign to the average individual, discounts that are available to you may be lost in the shuffle of negotiations with an auto insurance agent. Read more...

 

Insurance Requirements 

All motor vehicles registered with the Nevada DMV are required to be covered by liability insurance, and insurance coverage is tracked using an Insurance Verification Program (IVP). Read more...

 

Levels of Auto Insurance 

While the State of Nevada has minimum requirements for auto insurance, Nevada’s minimum level coverage may not be sufficient in the event an accident does occur.  If your levels of insurance coverage do not cover in full the damages you are financially responsible for, your assets may be used to pay the difference.  For this reason, the Insurance Information Institute recommends much higher levels of coverage in the amounts of $100,000 of bodily injury per person and $300,000 of bodily injury per accident. Read more...

 

Risks of Not Having Auto Insurance 

There are personal, financial and legal consequences associated with not having Nevada auto insurance.
Nevada auto insurance is meant to protect you in the event that the unforeseen occurs.  If you are in an accident, your auto insurance will pay out big bucks, depending on your coverage amounts, to ensure that all persons are reimbursed for their personal and property damages.  If you do not have auto insurance, you can expect to pay this out-of-pocket.  The bills you incur do not simply ‘go away’ because you do not have insurance.  You are personally and financially responsible for all damages you caused; victims will seek reimbursement via legal means, so your assets will be in jeopardy. Read more...

 

Nevada Motorcycle Insurance 

Motorcycles over 50cc must be registered and insured in the State of Nevada and require the same minimum liability coverage as other motor vehicles.  At the time of purchase and/or registration, you will have to pay all associated fees plus $6.00 to help fund motorcycle safety programs. Read more...

 

Types of Coverage 

The State of Nevada requires minimum bodily injury and property damage coverage on all registered motor vehicles; however, there are other types of coverage that you may consider obtaining for your own peace-of-mind.  But how do you decide what type of coverage you need and how bodily injury/property coverage protects you? Read more...

 

What Affects Insurance Rates? 

Your Nevada Driving Record directly affects your auto insurance rates, especially if you’ve been convicted of serious traffic violations, such as speeding or a DWI.  If you accumulate demerits on your Nevada Driving Record for traffic violations and/or accidents, you are considered a high-risk driver and will pay increased premiums.  Furthermore, if you have had your driver’s license suspended or revoked, you are required to submit an SR-22 Proof of Financial Responsibility and, in this case, an insurance company may ‘drop’ your coverage indefinitely. Read more...



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