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Auto Insurance Requirements in Nevada

Motorists in the state of Nevada must be able to prove financial responsibility. This can be established in one of two ways:

  • Buy auto liability insurance meeting Nevada's minimum requirements.
  • Businesses with 11 vehicles or more can be self-insured.

Minimum insurance requirements in Nevada are as follow:

  • For bodily injury of one person in one accident: $15,000
  • For total bodily injury in one accident: $50,000
  • For property damage per accident: $10,000
  • Insurance policy providers must be licensed in Nevada.
  • Nevada requires liability insurance only as a minimum amount of coverage.

Drivers in Nevada are required to carry an insurance card in their cars at all times. If a driver is pulled over by a Nevada law enforcement officer and has no proof of insurance, his or her registration will be revoked until proof of insurance has been re-established. Fees will be assessed and the car may even be impounded.

Nevada Auto Insurance Quotes

Las Vegas Auto Insurance

Las Vegas is the most populated city in Nevada. The city is in a basin on the floor of the Mojave Desert. The legalization of casino gambling in the 1930s was pivotal to the city's growth and that of Clark County.

Las Vegas is one of the most visited tourist destinations in the world, offering gambling, shopping and fine dining. The city is home to several museums, including the Neon Museum, The Mob Museum and the Las Vegas Natural History Museum. The city's many hotels and megaresorts also offer ideal sites for business conventions.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Las Vegas $1,998.00 $1,723.00 $2,096.00 $1,948.00 $2,088.00 $1,867.00 $1,610.00 $1,955.00 $1,812.00 $1,948.00

Henderson Auto Insurance

Henderson is part of the Las Vegas metropolitan area. Its early growth was fueled by magnesium production during World War II. Major industries today include gaming, health care and government. Lake Las Vegas is located in Henderson.

Attractions in Henderson include shopping malls, movie theater complexes, restaurants and casino resorts. The city also hosts an annual "Shakespeare in the Park" festival. Henderson Bird Viewing Preserve and Water Reclamation Facility and the Ethel M. Botanical Cactus Garden are among some of the city's outdoor facilities.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Henderson $1,728.00 $1,494.00 $1,811.00 $1,686.00 $1,810.00 $1,616.00 $1,398.00 $1,692.00 $1,572.00 $1,692.00

Reno Auto Insurance

Reno is the third most populous city in Nevada. The city is in the high desert at the foot of the Sierra Nevada in the northern part of the state. The legalization of gambling and the liberalization of divorce laws in the 1930s helped fuel the city's early growth.

Many people visit Reno to gamble in the city's numerous casinos. Outdoor activities such as skiing and windsurfing are also popular with tourists. The Reno Air Races, also known as the National Championship Air Races, are held each September.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Reno $1,273.00 $1,090.00 $1,343.00 $1,241.00 $1,355.00 $1,182.00 $1,012.00 $1,246.00 $1,148.00 $1,256.00

North Las Vegas Auto Insurance

North Las Vegas is a suburb of Las Vegas. Major industries in the city include manufacturing and warehouse distribution companies. The city was incorporated in 1946.

Visitors may play golf at the city's municipal golf courses. There are also a number of parks for hiking and bird watching, including Nature Discovery Park and Aviary Park. Tourists may also visit local casinos.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
North Las Vegas $1,966.00 $1,695.00 $2,060.00 $1,919.00 $2,056.00 $1,838.00 $1,586.00 $1,923.00 $1,786.00 $1,918.00

Sparks Auto Insurance

Sparks is east of Reno. It was founded in 1904 and incorporated in 1905. In the 1950s, economic growth in Reno triggered a housing boom in Sparks.

A major annual even it the Best in the West Nugget Rib Cook-off. Tourist attractions include the Great Basin Brewing Company and the Nugget Casino Resort. Sparks Marina Park offers aquatic such as windsurfing, sailing, swimming, fishing and boating.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Sparks $1,326.00 $1,134.00 $1,399.00 $1,291.00 $1,409.00 $1,234.00 $1,056.00 $1,300.00 $1,198.00 $1,309.00

Carson City Auto Insurance

Carson City is the capital of Nevada and is near Reno. The city was named after Kit Carson, a frontiersman. The city developed when silver was discovered in the nearby mountains.

Many people visit Carson City to go to Lake Tahoe, which offers a number of water sports. Cultural attractions include the Nevada State Museum, the Nevada State Railroad Museum and the Stewart Indian School. There are a number of other outdoor attractions such as Washoe Lake State Park and the Carson Aquatic Trail.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Carson City $1,144.00 $972.00 $1,192.00 $1,112.00 $1,212.00 $1,069.00 $910.00 $1,114.00 $1,036.00 $1,132.00

Elko Auto Insurance

Elko is on the Humboldt River. The city's motto is "The Heart of Northeast Nevada." It is home to Great Basin College, as well as to the National Weather Service Weather Forecast Office serving most of northern and central Nevada.

Elko hosts the National Cowboy Poetry Gathering, the National Basque Festival and the Elko Motorcycle Jamboree. Local attractions include the Western Folklife Center and the Elko Hot Hole. Many visitors come to visit the Ruby Mountains, which include Lamoille Canyon.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Elko $1,092.00 $925.00 $1,145.00 $1,054.00 $1,170.00 $1,021.00 $866.00 $1,070.00 $984.00 $1,092.00

Fernley Auto Insurance

Fernley is east of the Reno-Sparks metropolitan area. The city incorporated in 2001. The town was originally settled as an agricultural and ranching community.

Fernley is home to the Reno-Fernley Raceway. The city also has an indoor swimming pool, outdoor Splash Park and picnic grounds. Many parks offer outdoor activities such as hiking and biking.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Fernley $1,113.00 $941.00 $1,162.00 $1,074.00 $1,189.00 $1,038.00 $879.00 $1,084.00 $1,000.00 $1,108.00

Mesquite Auto Insurance

Mesquite is in the Virgin River valley in the northeastern part of the Mojave Desert. It was settled by Mormon pioneers in the 1880s. The city is close to the Nevada border with Arizona.

Mesquite is home to several casinos, including the Virgin River Casino, the Eureka Casino Hotel and the Stateline Casino and Motel. The Virgin Valley Heritage Museum has exhibits about area pioneers and local history. The museum is listed in the National Register of Historic Places.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Mesquite $1,243.00 $1,068.00 $1,306.00 $1,204.00 $1,318.00 $1,171.00 $1,006.00 $1,228.00 $1,131.00 $1,240.00

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Alamo $1,166.00 $980.00 $1,214.00 $1,114.00 $1,246.00 $1,086.00 $915.00 $1,130.00 $1,036.00 $1,159.00
Amargosa Valley $1,324.00 $1,132.00 $1,404.00 $1,282.00 $1,410.00 $1,228.00 $1,051.00 $1,300.00 $1,186.00 $1,306.00
Austin $1,112.00 $940.00 $1,164.00 $1,071.00 $1,190.00 $1,039.00 $878.00 $1,086.00 $998.00 $1,110.00
Baker $1,106.00 $936.00 $1,160.00 $1,068.00 $1,186.00 $1,034.00 $875.00 $1,082.00 $996.00 $1,106.00
Battle Mountain $1,094.00 $926.00 $1,148.00 $1,054.00 $1,174.00 $1,024.00 $867.00 $1,073.00 $984.00 $1,096.00
Boulder City $1,380.00 $1,186.00 $1,442.00 $1,345.00 $1,452.00 $1,292.00 $1,112.00 $1,350.00 $1,254.00 $1,358.00
Cal Nev Ari $1,516.00 $1,287.00 $1,566.00 $1,450.00 $1,586.00 $1,413.00 $1,202.00 $1,459.00 $1,348.00 $1,476.00
Caliente $1,192.00 $1,006.00 $1,242.00 $1,140.00 $1,273.00 $1,113.00 $941.00 $1,158.00 $1,062.00 $1,186.00
Carlin $1,108.00 $935.00 $1,160.00 $1,066.00 $1,188.00 $1,034.00 $874.00 $1,082.00 $994.00 $1,107.00
Carson City $1,144.00 $972.00 $1,192.00 $1,112.00 $1,212.00 $1,069.00 $910.00 $1,114.00 $1,036.00 $1,132.00
Crescent Valley $1,113.00 $940.00 $1,166.00 $1,072.00 $1,192.00 $1,040.00 $878.00 $1,087.00 $998.00 $1,112.00
Dayton $1,120.00 $952.00 $1,178.00 $1,086.00 $1,200.00 $1,044.00 $888.00 $1,098.00 $1,010.00 $1,116.00
Deeth $1,096.00 $927.00 $1,150.00 $1,058.00 $1,175.00 $1,024.00 $867.00 $1,074.00 $986.00 $1,096.00
Denio $1,100.00 $930.00 $1,154.00 $1,060.00 $1,178.00 $1,028.00 $870.00 $1,077.00 $988.00 $1,100.00
Duckwater $1,122.00 $946.00 $1,172.00 $1,080.00 $1,202.00 $1,046.00 $883.00 $1,093.00 $1,004.00 $1,120.00
Dyer $1,110.00 $940.00 $1,164.00 $1,070.00 $1,188.00 $1,038.00 $880.00 $1,088.00 $998.00 $1,110.00
Elko $1,092.00 $925.00 $1,145.00 $1,054.00 $1,170.00 $1,021.00 $866.00 $1,070.00 $984.00 $1,092.00
Ely $1,112.00 $938.00 $1,164.00 $1,072.00 $1,191.00 $1,038.00 $877.00 $1,086.00 $998.00 $1,110.00
Empire $1,130.00 $952.00 $1,180.00 $1,082.00 $1,208.00 $1,054.00 $889.00 $1,100.00 $1,008.00 $1,126.00
Eureka $1,120.00 $945.00 $1,172.00 $1,078.00 $1,200.00 $1,046.00 $882.00 $1,093.00 $1,004.00 $1,118.00
Fallon $1,092.00 $924.00 $1,145.00 $1,052.00 $1,168.00 $1,020.00 $864.00 $1,069.00 $982.00 $1,090.00
Fernley $1,113.00 $941.00 $1,162.00 $1,074.00 $1,189.00 $1,038.00 $879.00 $1,084.00 $1,000.00 $1,108.00
Gabbs $1,106.00 $934.00 $1,160.00 $1,065.00 $1,186.00 $1,033.00 $873.00 $1,082.00 $992.00 $1,106.00
Gardnerville $1,136.00 $964.00 $1,186.00 $1,100.00 $1,206.00 $1,062.00 $902.00 $1,109.00 $1,027.00 $1,126.00
Gerlach $1,132.00 $954.00 $1,182.00 $1,084.00 $1,210.00 $1,056.00 $890.00 $1,101.00 $1,010.00 $1,128.00
Glenbrook $1,392.00 $1,199.00 $1,493.00 $1,360.00 $1,494.00 $1,290.00 $1,112.00 $1,382.00 $1,258.00 $1,384.00
Golconda $1,110.00 $937.00 $1,163.00 $1,066.00 $1,190.00 $1,036.00 $876.00 $1,085.00 $994.00 $1,109.00
Goldfield $1,120.00 $946.00 $1,173.00 $1,078.00 $1,200.00 $1,046.00 $886.00 $1,095.00 $1,004.00 $1,119.00
Hawthorne $1,108.00 $936.00 $1,160.00 $1,067.00 $1,188.00 $1,034.00 $874.00 $1,082.00 $993.00 $1,108.00
Henderson $1,728.00 $1,494.00 $1,811.00 $1,686.00 $1,810.00 $1,616.00 $1,398.00 $1,692.00 $1,572.00 $1,692.00
Hiko $1,160.00 $976.00 $1,209.00 $1,112.00 $1,241.00 $1,081.00 $910.00 $1,126.00 $1,034.00 $1,154.00
Imlay $1,098.00 $929.00 $1,152.00 $1,058.00 $1,177.00 $1,026.00 $870.00 $1,076.00 $988.00 $1,098.00
Incline Village $1,310.00 $1,101.00 $1,367.00 $1,260.00 $1,404.00 $1,220.00 $1,026.00 $1,272.00 $1,171.00 $1,305.00
Indian Springs $1,404.00 $1,200.00 $1,466.00 $1,353.00 $1,478.00 $1,314.00 $1,125.00 $1,370.00 $1,262.00 $1,382.00
Jackpot $1,097.00 $928.00 $1,150.00 $1,058.00 $1,176.00 $1,025.00 $868.00 $1,074.00 $986.00 $1,096.00
Jean $1,546.00 $1,324.00 $1,606.00 $1,494.00 $1,624.00 $1,450.00 $1,242.00 $1,505.00 $1,396.00 $1,520.00
Lamoille $1,116.00 $941.00 $1,168.00 $1,073.00 $1,197.00 $1,042.00 $880.00 $1,089.00 $1,000.00 $1,115.00
Las Vegas $1,998.00 $1,723.00 $2,096.00 $1,948.00 $2,088.00 $1,867.00 $1,610.00 $1,955.00 $1,812.00 $1,948.00
Laughlin $1,338.00 $1,156.00 $1,410.00 $1,297.00 $1,418.00 $1,258.00 $1,088.00 $1,324.00 $1,216.00 $1,331.00
Lovelock $1,098.00 $929.00 $1,152.00 $1,058.00 $1,177.00 $1,026.00 $870.00 $1,076.00 $988.00 $1,098.00
Lund $1,112.00 $939.00 $1,164.00 $1,072.00 $1,193.00 $1,038.00 $878.00 $1,086.00 $998.00 $1,112.00
Luning $1,116.00 $941.00 $1,168.00 $1,073.00 $1,197.00 $1,042.00 $879.00 $1,089.00 $1,000.00 $1,115.00
Mesquite $1,243.00 $1,068.00 $1,306.00 $1,204.00 $1,318.00 $1,171.00 $1,006.00 $1,228.00 $1,131.00 $1,240.00
Minden $1,140.00 $968.00 $1,190.00 $1,108.00 $1,210.00 $1,067.00 $907.00 $1,113.00 $1,034.00 $1,131.00
Mountain City $1,102.00 $932.00 $1,156.00 $1,063.00 $1,182.00 $1,030.00 $871.00 $1,078.00 $991.00 $1,102.00
Nellis Afb $1,906.00 $1,646.00 $2,011.00 $1,865.00 $1,998.00 $1,778.00 $1,536.00 $1,872.00 $1,732.00 $1,860.00
Nixon $1,135.00 $958.00 $1,186.00 $1,089.00 $1,215.00 $1,060.00 $895.00 $1,106.00 $1,014.00 $1,132.00
North Las Vegas $1,966.00 $1,695.00 $2,060.00 $1,919.00 $2,056.00 $1,838.00 $1,586.00 $1,923.00 $1,786.00 $1,918.00
Orovada $1,100.00 $930.00 $1,154.00 $1,060.00 $1,179.00 $1,028.00 $871.00 $1,078.00 $988.00 $1,100.00
Overton $1,478.00 $1,270.00 $1,546.00 $1,436.00 $1,557.00 $1,392.00 $1,198.00 $1,454.00 $1,348.00 $1,464.00
Pahrump $1,358.00 $1,160.00 $1,430.00 $1,322.00 $1,441.00 $1,255.00 $1,073.00 $1,320.00 $1,218.00 $1,330.00
Paradise Valley $1,100.00 $930.00 $1,154.00 $1,060.00 $1,179.00 $1,028.00 $870.00 $1,078.00 $988.00 $1,100.00
Pioche $1,147.00 $966.00 $1,198.00 $1,102.00 $1,228.00 $1,070.00 $903.00 $1,116.00 $1,026.00 $1,144.00
Reno $1,273.00 $1,090.00 $1,343.00 $1,241.00 $1,355.00 $1,182.00 $1,012.00 $1,246.00 $1,148.00 $1,256.00
Round Mountain $1,102.00 $932.00 $1,156.00 $1,062.00 $1,182.00 $1,030.00 $872.00 $1,079.00 $990.00 $1,102.00
Ruby Valley $1,100.00 $930.00 $1,153.00 $1,062.00 $1,178.00 $1,028.00 $870.00 $1,076.00 $990.00 $1,099.00
Schurz $1,089.00 $922.00 $1,143.00 $1,050.00 $1,168.00 $1,019.00 $863.00 $1,068.00 $980.00 $1,090.00
Searchlight $1,390.00 $1,196.00 $1,454.00 $1,349.00 $1,462.00 $1,304.00 $1,122.00 $1,362.00 $1,261.00 $1,370.00
Silver Springs $1,104.00 $934.00 $1,154.00 $1,066.00 $1,180.00 $1,030.00 $874.00 $1,076.00 $992.00 $1,100.00
Silverpeak $1,119.00 $946.00 $1,173.00 $1,076.00 $1,199.00 $1,046.00 $885.00 $1,095.00 $1,004.00 $1,119.00
Sloan $1,637.00 $1,399.00 $1,696.00 $1,578.00 $1,718.00 $1,537.00 $1,315.00 $1,592.00 $1,476.00 $1,610.00
Smith $1,106.00 $936.00 $1,157.00 $1,065.00 $1,182.00 $1,034.00 $876.00 $1,080.00 $992.00 $1,102.00
Sparks $1,326.00 $1,134.00 $1,399.00 $1,291.00 $1,409.00 $1,234.00 $1,056.00 $1,300.00 $1,198.00 $1,309.00
Spring Creek $1,092.00 $924.00 $1,145.00 $1,054.00 $1,170.00 $1,021.00 $866.00 $1,070.00 $984.00 $1,092.00
Sun Valley $1,276.00 $1,092.00 $1,346.00 $1,246.00 $1,354.00 $1,184.00 $1,014.00 $1,248.00 $1,154.00 $1,254.00
Tonopah $1,120.00 $947.00 $1,174.00 $1,078.00 $1,200.00 $1,046.00 $886.00 $1,096.00 $1,005.00 $1,120.00
Tuscarora $1,102.00 $932.00 $1,156.00 $1,062.00 $1,181.00 $1,030.00 $871.00 $1,078.00 $990.00 $1,102.00
Virginia City $1,126.00 $951.00 $1,175.00 $1,086.00 $1,204.00 $1,049.00 $888.00 $1,094.00 $1,009.00 $1,120.00
Wadsworth $1,126.00 $952.00 $1,177.00 $1,083.00 $1,204.00 $1,052.00 $890.00 $1,098.00 $1,010.00 $1,122.00
Washoe Valley $1,150.00 $972.00 $1,197.00 $1,110.00 $1,226.00 $1,070.00 $905.00 $1,112.00 $1,030.00 $1,139.00
Wellington $1,096.00 $927.00 $1,148.00 $1,056.00 $1,172.00 $1,024.00 $868.00 $1,071.00 $985.00 $1,094.00
Wells $1,096.00 $927.00 $1,150.00 $1,057.00 $1,174.00 $1,024.00 $868.00 $1,074.00 $986.00 $1,096.00
Winnemucca $1,086.00 $920.00 $1,141.00 $1,047.00 $1,164.00 $1,016.00 $863.00 $1,067.00 $978.00 $1,088.00
Yerington $1,096.00 $928.00 $1,148.00 $1,057.00 $1,173.00 $1,024.00 $868.00 $1,072.00 $985.00 $1,094.00

Insurance Fraud

NV Insurance Alert says the practice of insurance fraud is alive and well in Nevada with millions of dollars are lost each year in auto insurance fraud. There are several types of insurance fraud that regularly occur, including the selling of fake insurance policies, fraudulent insurance claims, exaggerated medical bills and inaccurate or exaggerated personal information given on an insurance application or claim form. It is everyone's responsibility to report insurance fraud.

Nevada's Alcohol-Related Accidents

Every very year, roughly 11 percent of all non-fatal, injury accidents and 40 percent of all fatal accidents in Nevada involve the use of alcohol. Every year there are approximately 250 fatal crashes in Nevada.

Ninety-one of these accidents result in fatal injuries. In 70 of these fatalities, the driver had a blood alcohol content (BAC) level of 0.08 percent or higher. Nationally, 21 percent of traffic fatalities involving children age 14 and younger are the result of alcohol-related crashes.


Unusual Nevada Laws

There are many strange, unusual and humorous laws on the books of Nevada state law. Here are a few of them:

  • "Everyone walking the streets is required to wear a mask."
  • "It is illegal to lie down on the sidewalk."
  • "It is illegal to drive a camel on the highway."

Driving in Nevada

Anyone driving through Nevada quickly learns that it is a state replete with history and sites of interest. If travelers take Highway 50, they will be on a driving route that runs parallel with the old Pony Express. They will pass through the copper mining town of Ely and may even want to stop in at the local railroad museum.

Along the way on Highway 40, travelers can stop at Grimes Point Hidden Cave which is a prehistoric Native American site where rock carvings are still apparent. Did you know that the Highway 50 has a shoe tree? This is an old Cottonwood tree alongside the road with hanging shoes on all of its branches. It's a famous Nevada tourist attraction.

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.