Auto Insurance Coverage Calculator

While Nevada requires minimum 25/50/20 liability coverage, most drivers need significantly more. We recommend at least 100/300/100 for adequate protection.

Your coverage should match or exceed your net worth to protect your assets in a lawsuit. If you have $250,000+ in assets (home equity, savings, investments), consider 250/500/100 or higher, plus umbrella insurance.

A common rule is to drop comprehensive and collision when your vehicle is worth less than 10 times your annual premium for these coverages. Typically, this happens when your car is worth less than $3,000-$4,000.

However, if you're financing or leasing, your lender requires comp/collision. Even for older paid-off vehicles, keep this coverage if you can't afford to replace the car out-of-pocket.

In coverage notation like "100/300", the first number ($100,000) is the maximum paid per person injured in an accident, and the second number ($300,000) is the maximum total paid for all injuries in a single accident.

Example: If you cause an accident injuring three people, each can receive up to $100,000, but the total for all three combined can't exceed $300,000. The per-accident limit is crucial for multi-victim accidents.

Yes! Liability insurance protects others when you cause an accident, but uninsured motorist (UM) coverage protects YOU when someone else causes an accident and doesn't have insurance or has insufficient coverage.

In Nevada, approximately 20-25% of drivers are uninsured. UM coverage ensures you're not left paying medical bills and car repairs when an uninsured driver hits you. Match your UM limits to your liability limits for full protection.

Deductibles determine how much you pay out-of-pocket before insurance kicks in for comprehensive and collision claims. Common deductibles are $500, $1,000, or $2,000.

Higher deductibles lower your premium but require more cash reserves. Choose a deductible you can comfortably afford to pay in an emergency. If paying $1,000 would cause financial hardship, stick with a $500 deductible even if it costs more monthly.

An umbrella policy provides additional liability coverage above your auto and home insurance limits. It's highly recommended if you have significant assets (home equity, savings, investments exceeding $300,000).

For just $300-$500 per year, you can add $1-2 million in extra liability protection. This safeguards your assets if you're sued for damages exceeding your auto policy limits. It's essential for homeowners, high-income earners, and anyone with substantial net worth.