Nevada Auto Insurance Information
Nevada requires all motorists to carry a minimum of $25,000 per person, $50,000 per accident in Bodily Injury
Liability (BIL) insurance. BIL helps to pay the expenses related to the death or injury of another driver,
or pedestrian when the insured is at fault. It does not pay the medical expenses of the at-fault driver.
Residents must also purchase at least $20,000 in Property Damage Liability (PDL) insurance, which helps cover the
expense of repairing or replacing property damaged by the insured. PDL does not cover damage to the insured’s
vehicle. Keep in mind these are the bare minimums for BIL and PDL insurance, and medical expenses and property
damage often exceed these limits. Failure to purchase sufficient insurance can put personal assets at risk.
Nevada does not require drivers to buy underinsured or uninsured motorist’s insurance, but it is a good idea to
purchase such coverage in a state with a large number of uninsured or underinsured motorists.
motorist coverage can pay your medical expenses after an accident, up to the policy limit, but it does not cover
damage to your car.
Comprehensive and collision insurance is not mandated, but lenders usually require such insurance on vehicles
Penalties for driving without insurance in Nevada are severe, and there is no grace period. Should an
policy lapse for just 24 hours, vehicle registration may be revoked by the Nevada Department of Motor Vehicles
and it will cost a minimum of $251 for reinstatement.
SR-22 Insurance in Nevada
Drivers convicted of a DUI or other serious motor vehicle offenses must have their insurance company file an
form with the DMV to have their licenses reinstated. The SR-22 is a “proof of financial responsibility”
Drivers requiring an SR-22 filing should expect their Nevada car insurance premiums to be higher..
The SR-22 requires three years of maintenance from the day of the license reinstatement. Drivers are not notified
the DMV when SR-22 eligibility removal occurs. If the driver does not know the date by which SR-22 insurance in
Nevada is no longer necessary, contact the DMV.
If the driver does not keep continuous coverage during the mandatory S-22 period, his or her insurance company
notifies the DMV by sending a Form SR-26. The driver’s license is then suspended and the person is notified of
suspension by certified mail. Reinstatement of coverage starts the SR-22 insurance period back to the original
Nevada Driver Statistics
While Nevada is the seventh-largest state in the nation in terms of land, it has the eighth-lowest population
density. Much of the state is open space with few people. Nevada has experienced rapid growth in recent years,
that growth is expected to continue. Las Vegas and Henderson are among the faster-growing cities in the U.S.
Perhaps best known as the gaming capital of the country, Nevada’s major industries go beyond tourism. Top
drivers in the state include agriculture, manufacturing and mining. However, it is true that the state’s
and business industries accounts for approximately one-third of total gross income, more than any other state in
The population of 2.8 million includes almost 1.9 million licensed drivers. Demographically, Nevada is relatively
young, with a median age of 37.5.
Nevada Auto Insurance & Accident Facts
According to the Nevada Department of Public Safety’s Office of Traffic Safety, 331 people were killed on Nevada
roadways in 2018, up from 311 in 2017. The majority of fatal crashes in both years occurred in Clark County,
Las Vegas is the largest city. In 2018, 226 motor vehicle accident fatalities happened in Clark County, compared
208 in 2017. Washoe County experienced the next highest number of auto accident deaths, with 44 fatalities in
and 40 in 2017. Many of the counties in Nevada are large and sparsely inhabited, so motor vehicle accidents and
deaths are less frequent. Approximately 30 percent of motor vehicle crashes and fatalities in Nevada involve
under the influence.