Liability
At least 25/50/20 for a car that is registered in Nevada, or should be. Mopeds are exempt under NRS 485.185.
Nevada · 2026 · Auto liability · DMV enforcement
Nevada auto insurance
requirements: 25/50/20
Nevada law says owners must keep at least 25/50/20 liability insurance on any car that is registered here, or should be. Mopeds are exempt under NRS 485.185.
No obligation takes about 3 minutes independent NV agency NV DOI #1021906 / NPN #17531339
Quick answer · Nevada minimum auto insurance
The Nevada minimum is 25/50/20 liability.
Nevada requires liability insurance on every car that is registered in the state, or should be. Liability insurance pays for harm you cause to other people. The minimum liability limits (the most the policy pays for each kind of harm) are $25,000 for injury or death to one person, $50,000 for injuries to two or more people in one crash, and $20,000 for damage to other people’s property. Mopeds are exempt. This coverage does not fix your car or pay your own medical bills. It is the legal floor, not a recommendation.
“Nevada has no grace period. A one day lapse may result in possible suspension and reinstatement fines.”Nevada DMV, Insurance Verification · dmv.nv.gov
Updated October 2026
Facts checked against Nevada statutes and DMV guidance
Agency: NV DOI #1021906 / NPN #17531339
Read the three limits correctly
What does each number in 25/50/20 pay for?
Nevada’s three limits are separate caps. Each one is the most the insurer (the company that issues the policy) pays on a claim you cause. Policy terms and exclusions (things a policy does not cover) still apply.
| 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. It is not an amount promised to every person who makes a claim. |
| $50,000 Bodily injury per crash | The total for all injuries or deaths when two or more people are hurt in one crash. | It is not $50,000 for each person. The $25,000 per person cap still applies. |
| $20,000 Property damage per crash | Covered damage you cause to another person’s car or other property. | It does not repair your own car. |
Keep coverage in place. Nevada DMV says there is no grace period if insurance lapses on a registered car. If you plan to stop insuring a car, cancel the registration first. Confirm the steps with DMV.
Required, offered, or optional
What does Nevada require insurers to offer?
Nevada law treats each type of auto coverage differently. A car loan or lease can add its own rules on top of state law.
UM/UIM and MedPay
Insurers must offer uninsured and underinsured motorist coverage (UM/UIM), which helps when the driver at fault has too little or no insurance. It must be offered at the same amount as your bodily injury limits. They must also offer at least $1,000 of medical payments coverage (MedPay). Buying either one is your choice.
Collision and comprehensive
Collision covers crash damage to your own car. Comprehensive covers other damage to your car, such as theft or fire, based on the policy. Neither is part of 25/50/20, but a lender or leasing company may require them.
Worked example · illustration only
What happens if a crash costs more than Nevada’s minimum?
Nevada’s minimum limits are caps. If you cause a crash and the other side’s losses are larger than your limits, your policy stops paying at the limit. You may be responsible for the difference, depending on the facts of the claim and Nevada law. The made-up example below shows how the math works. It is not a prediction of any real claim.
| Loss in the example | Your 25/50/20 limit | Most the policy pays, if covered | Amount left over |
|---|---|---|---|
| Other driver’s car repair: $28,000 | $20,000 property damage | $20,000 | $8,000 |
| One injured person’s medical bills: $40,000 | $25,000 per person | $25,000 | $15,000 |
| Two injured people, $30,000 each ($60,000 total) | $25,000 per person, $50,000 per crash | $50,000 | $10,000 |
These amounts are illustrations only. What a policy pays depends on who was at fault, the policy terms and the facts of the claim. A licensed agent can show you what higher limits would cost, so you can compare before you choose.
Private coverage review tool
Build a question list before comparing quotes.
This Nevada quote checklist turns your situation into questions to ask. It runs only in your browser. It does not save or send your answers, and it does not tell you what limits to buy.
DMV lapse enforcement
Does Nevada give you a grace period after a lapse?
Nevada has no grace period. A lapse is any gap in coverage, even one day. Nevada DMV checks insurance against registrations by computer. If DMV mails you a request to verify coverage, you have 15 days from the mailing date to respond. Reinstatement fees depend on how long the lapse lasted and on any earlier lapses in the past five years. A lapse of 91 days or more also requires an SR-22 (a form your insurer files with DMV to prove you carry insurance) for three years.
| Lapse length | First offense total | Second offense within 5 years | Third offense within 5 years |
|---|---|---|---|
| 1 to 30 days | $250 | $500 | $750 + SR-22 + minimum 30-day license suspension |
| 31 to 90 days | $500 | $1,000 | $1,250 + SR-22 + minimum 30-day license suspension |
| 91 to 180 days | $750 + SR-22 | $1,000 + SR-22 | $1,500 + SR-22 + minimum 30-day license suspension |
| 181 days or more | $1,250 + SR-22 | $1,500 + SR-22 | $1,750 + SR-22 + minimum 30-day license suspension |
These are Nevada DMV’s fee totals for a registration lapse as of October 2026. Confirm current amounts with DMV. Courts can add other penalties. Before DMV reinstates a registration, your Nevada insurance must show up in its electronic system. For the filing itself, see our Nevada SR-22 requirements guide or the Las Vegas SR-22 service page.
Proof in the car · NRS 485.187
Do you have to carry proof of insurance in Nevada?
Yes. Nevada law says an owner may not drive, or knowingly let someone else drive, a car without evidence of insurance in the car. You must show it when a police officer or a DMV representative asks. Nevada DMV says you can show your proof on a phone or tablet. The digital card must come from your insurer and show the same facts as a paper card.
| Situation under NRS 485.187 | What the law says |
|---|---|
| Driving without the required insurance or proof | A misdemeanor (a minor crime) with a fine of $600 to $1,000 for each violation. |
| First offense, then you buy a policy | For most drivers, the fine drops to $100 if you have a policy by the time of sentencing. |
| You had insurance but no card with you | For the insurance and proof charges, the court cannot find you guilty if you show your insurance was in force when the officer or DMV representative asked. |
| Convicted of driving uninsured | DMV must also suspend your driver’s license under NRS 485.326. |
New to Nevada
Can you keep an out-of-state policy after moving to Nevada?
No. Nevada DMV says out-of-state insurance is not accepted, and your policy must be written for Nevada. You need Nevada evidence of insurance to register your car here. DMV says you count as a resident if, for example, you live and work in Nevada or declare Nevada as your legal home. For the timing and the steps, see our new Nevada resident car insurance guide.
Important boundary cases
When is 25/50/20 not the whole rule?
Nevada’s 25/50/20 floor is the starting point. These three cases add other rules.
App status changes the coverage
Nevada DOI (the Division of Insurance) says the personal 25/50/20 minimum applies when a driver is not logged into the app. During Phase 1 of rideshare driving, Nevada law sets a 50/100/25 minimum. Other app phases have different rules.
Your contract may require more
A lender or leasing company may require collision, comprehensive and certain deductibles, even though Nevada law does not.
A personal policy may not fit
Tell the insurer how you use the car. Delivery or other business driving may need different coverage. The policy and its endorsements (written changes added to a policy) control what is covered.
Like-for-like quote comparison
How do you compare carrier quotes fairly?
Nevada auto quotes only compare fairly when the coverage matches. A carrier is the insurance company behind a quote. Compare the declarations page (the summary page that lists your coverages and limits) and the quote papers, not a label like “full coverage.”
| Compare | Confirm on every quote |
|---|---|
| Liability | Per person, per crash and property damage limits. |
| Protection for you | UM/UIM and MedPay choices, limits, and any forms you sign to accept or reject them. |
| Your car | Collision and comprehensive deductibles, glass terms and the cars listed. |
| People and use | Drivers, people in your home, where the car is parked overnight, yearly miles, and any business or rideshare use. |
| Policy details | Start date (the effective date), policy length, discounts, payment fees, exclusions and the insurer’s full legal name. |
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Evidence ledger · source summary
Official sources and what each one supports.
These Nevada sources support the facts on this page. Laws and agency guidance can change, so follow each link for the current text.
Nevada Legislature · NRS 485.185
Read the statute · Supports continuous insurance, the 25/50/20 limits, the licensed insurer rule and the moped exception.
Nevada Legislature · NRS 485.187 and 485.326
NRS 485.187 and NRS 485.326 · Support the proof in the car rule, the $600 to $1,000 fine, the $100 first offense reduction, the rule for drivers who were insured, and the license suspension after a conviction.
Nevada Division of Insurance · Higher Minimum Limits
Read the DOI notice · Supports the increase from 15/30/10 to 25/50/20, required by July 1, 2018.
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. The UM statute covers choosing or rejecting that coverage.
Nevada DMV · Insurance Verification
Read DMV guidance · Supports no grace period, the 15 day response window, the reinstatement fee table, the 91 day SR-22 rule, proof on a phone, and the rule that out-of-state insurance is not accepted.
Nevada DMV · New Residents
Read DMV guidance · Supports what counts as Nevada residency and the need for Nevada evidence of insurance to register.
Nevada DOI · TNC Insurance FAQ
Read the rideshare FAQ · Supports the difference between personal driving and app phases, including the Phase 1 minimum of 50/100/25.
NAIC · Auto Insurance Shopping
Read the shopping guide · Supports comparing like for like and reading your policy papers.
Frequently asked
Nevada minimum auto insurance, answered.
What is the minimum car insurance in Nevada?⌄
Nevada’s minimum is 25/50/20 liability. That means $25,000 for injury or death to one person, $50,000 for injuries to two or more people in one crash, and $20,000 for property damage.
Does Nevada require continuous insurance?⌄
Yes. NRS 485.185 says an owner must keep insurance at all times on a car that is registered in Nevada, or should be. Mopeds are exempt. Nevada DMV says there is no grace period for a lapse.
Does minimum liability cover my car or my injuries?⌄
No. Liability pays for covered harm you cause to others. Collision and comprehensive cover damage to your own car. UM/UIM and MedPay can help with your own injuries, based on the policy terms.
Is uninsured motorist coverage required in Nevada?⌄
No. Buying it is your choice. But Nevada law says insurers must offer it at the same amount as your bodily injury limits. Read the offer or rejection form before you decide.
What happens after a Nevada insurance lapse?⌄
DMV can suspend your registration and charge reinstatement fees based on how long the lapse lasted and any earlier lapses. A lapse of 91 days or more requires an SR-22 for three years. Courts can add other penalties.
Do rideshare drivers have different Nevada insurance requirements?⌄
Yes. Nevada DOI says a driver who is not logged into a rideshare app falls under the personal 25/50/20 minimum. Phase 1 rideshare driving needs at least 50/100/25. Later phases have other rules.
Can I show proof of insurance on my phone in Nevada?⌄
Yes. Nevada DMV says you can show proof of insurance on a phone or tablet. The digital card must come from your insurer and show the same facts as a paper card.
What is the fine for driving without insurance in Nevada?⌄
Under NRS 485.187, it is a misdemeanor with a fine of $600 to $1,000 for each violation. For most first offenses, the fine drops to $100 if you buy a policy before sentencing. A conviction also leads DMV to suspend your driver’s license.
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