Liability
At least 25/50/20 for a vehicle registered or required to be registered in Nevada, except a moped under NRS 485.185.
Nevada · 2026 · Auto liability · DMV enforcement
Nevada auto insurance
requirements: 25/50/20
Nevada law requires owners to continuously maintain at least 25/50/20 liability on vehicles registered—or required to be registered—in the state, except mopeds.
No obligation takes about 3 minutes independent NV agency NV DOI #1021906 / NPN #17531339
Quick answer · Nevada minimum auto insurance
The legal minimum is 25/50/20 liability.
Nevada owners must continuously maintain liability insurance on vehicles registered—or required to be registered—in the state: $25,000 for injury or death to one person, $50,000 for two or more people in one crash, and $20,000 for property damage. The statute excepts mopeds. Liability pays covered losses you cause to others; it does not repair your vehicle or pay your own injuries. This is a legal floor, not a coverage recommendation.
"every owner of a motor vehicle which is registered or required to be registered in this State shall continuously provide, while the motor vehicle is present or registered in this State, insurance provided by an insurance company licensed by the Division of Insurance of the Department of Business and Industry and approved to do business in this State"Nevada Legislature, NRS 485.185 -- leg.state.nv.us
Reviewed August 19, 2026
Reviewer: Vatche Saatdjian, NV DOI #3345753 / NPN #18811613
Agency: NV DOI #1021906 / NPN #17531339
Read the three limits correctly
What does each number in 25/50/20 pay for?
The limits are separate maximums in an at-fault claim, subject to the policy’s terms, exclusions, and conditions.
| Limit | What it applies to | What it does not do |
|---|---|---|
| $25,000 Bodily injury per person | Covered injury or death you cause to one other person in one crash. | It does not pay your own injuries and is not an amount guaranteed to every claimant. |
| $50,000 Bodily injury per crash | The combined bodily-injury limit when two or more people are injured or killed in one crash. | It is not $50,000 for each person; the $25,000 per-person limit still applies. |
| $20,000 Property damage per crash | Covered damage you cause to another person’s vehicle or other property. | It does not repair your own vehicle. |
Continuous coverage matters. Nevada DMV says there is no grace period for an insurance lapse on an actively registered vehicle. Cancel the registration before canceling insurance if the vehicle will not remain insured, and confirm the exact sequence with DMV.
Required, offered, or optional
What does Nevada require insurers to offer?
Nevada law treats the major auto coverages differently. A lender or lease can also impose contractual requirements beyond state law.
UM/UIM and MedPay
Insurers must offer uninsured/underinsured motorist coverage equal to the bodily-injury liability limits and at least $1,000 of medical-payments coverage. Purchasing them is optional.
Collision and comprehensive
These protect your vehicle against different types of physical loss. They are not part of 25/50/20, though a lender or lessor may require them by contract.
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DMV lapse enforcement
Does Nevada give you a grace period after a lapse?
Nevada has no grace period. DMV’s electronic system checks insurance against active registration. If DMV sends a verification request, its current guidance gives the registered owner 15 days to respond. Reinstatement amounts depend on lapse length and prior offenses within five years.
| Lapse length | First offense total | Second offense within 5 years | Third offense within 5 years |
|---|---|---|---|
| 1–30 days | $250 | $500 | $750 + SR-22 + minimum 30-day license suspension |
| 31–90 days | $500 | $1,000 | $1,250 + SR-22 + minimum 30-day license suspension |
| 91–180 days | $750 + SR-22 | $1,000 + SR-22 | $1,500 + SR-22 + minimum 30-day license suspension |
| 181+ days | $1,250 + SR-22 | $1,500 + SR-22 | $1,750 + SR-22 + minimum 30-day license suspension |
These are DMV’s current registration-lapse totals, not a universal list of every court or licensing consequence. Additional court penalties may apply. DMV requires current Nevada insurance to be electronically verified before reinstatement. For the filing itself, use the dedicated Nevada SR-22 requirements guide or the Las Vegas SR-22 service page.
Important boundary cases
When is 25/50/20 not the whole rule?
App status changes the coverage layer
Nevada DOI says the personal 25/50/20 minimum applies when a driver is not logged into the app. During Phase 1, Nevada law sets a 50/100/25 minimum for TNC activity. Other phases use different insurance requirements.
Your contract may require more
A lender or lessor may require collision, comprehensive, and particular deductible terms even though those coverages are optional under Nevada’s financial-responsibility law.
Personal-policy terms may not fit
Tell the insurer how the vehicle is used. Commercial, delivery, or other business activity can require different underwriting or coverage. Read the policy and endorsements for the controlling terms.
Like-for-like quote comparison
How do you compare carrier quotes fairly?
Price comparisons are meaningful only when the coverage inputs match. Use the declarations page and quote documents—not a label such as “full coverage”—to compare.
| Compare | Confirm on every quote |
|---|---|
| Liability | Per-person, per-crash, and property-damage limits. |
| Protection for you | UM/UIM and MedPay selection, limits, and any rejection or selection forms. |
| Your vehicle | Collision and comprehensive deductibles, glass terms, and covered vehicles. |
| People and use | Drivers, household members, garaging address, annual mileage, and business/TNC use. |
| Policy details | Effective date, term, discounts, installment fees, exclusions, and the exact insurer legal name. |
Evidence ledger · source summary
Official sources and what each one supports.
Accessed August 19, 2026. Statutes and agency guidance can change; follow the linked source for the controlling current text.
Nevada Legislature · NRS 485.185
Read the statute · Supports continuous insurance, the 25/50/20 limits, licensed/approved insurer language, and the moped exception.
Nevada Division of Insurance · Auto Insurance
Read the consumer guide · Explains what liability, collision, comprehensive, UM/UIM, and MedPay generally cover.
NRS 687B.145 and 690B.020
Offer requirements · Supports the insurer’s UM/UIM and MedPay offer duties. UM statute addresses selection and rejection.
Nevada DMV · Insurance Verification
Read DMV guidance · Supports no grace period, electronic verification, response timing, reinstatement tiers, and the 91+ day lapse SR-22 rule.
Nevada DOI · TNC Insurance FAQ
Read the TNC FAQ · Supports the distinction between personal driving and app phases, including Phase 1’s 50/100/25 minimum.
NAIC · Auto Insurance Shopping
Read the shopping guide · Supports like-for-like comparisons and reviewing policy documents.
Frequently asked
Nevada minimum auto insurance, answered.
What is the minimum car insurance in Nevada?⌄
Nevada’s minimum liability limits are $25,000 for bodily injury or death to one person, $50,000 for bodily injury or death to two or more people in one crash, and $20,000 for property damage. This is commonly written 25/50/20.
Does Nevada require continuous insurance?⌄
Yes. NRS 485.185 requires an owner to continuously maintain insurance for a vehicle registered or required to be registered in Nevada, with an exception for a moped. Nevada DMV says there is no grace period for a lapse on active registration.
Does minimum liability cover my car or my injuries?⌄
No. Liability coverage generally pays covered injury and property-damage claims you cause to others. Collision and comprehensive address different kinds of damage to your vehicle; UM/UIM and MedPay can address specified losses involving you, subject to the policy.
Is uninsured motorist coverage required in Nevada?⌄
Buying UM/UIM is optional, but Nevada law requires an insurer to offer it in an amount equal to the bodily-injury liability limits. Review the offer or rejection form and policy terms before deciding.
What happens after a Nevada insurance lapse?⌄
DMV can suspend registration and assess reinstatement amounts based on lapse length and prior offenses. A lapse of 91 days or more requires an SR-22 for three years under DMV’s current registration-lapse rules. Additional court penalties may apply.
Do rideshare drivers have different Nevada insurance requirements?⌄
Yes. Nevada DOI says a driver who is not logged into a TNC app is subject to the personal 25/50/20 minimum. Phase 1 TNC activity requires at least 50/100/25, and later phases use other coverage requirements.
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The bodily injury half of those limits is covered in more depth in our guide to bodily injury liability coverage in Nevada, including what happens once a limit is exhausted.