The Complete Guide to Nevada Car Insurance
Lemonade is on the way to the Silver State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things NV car insurance like rates, requirements, and throw in smart shopping tips.
How much does car insurance cost in Nevada?
Car insurance in Nevada averages $335/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Las Vegas | $448 |
| Henderson | $384 |
| Reno | $268 |
| Enterprise | $430 |
| North Las Vegas | $452 |
Source: ValuePenguin
Why is car insurance so high in Nevada?
Nevada drivers face unique risks that drive insurance costs
Uninsured drivers
While only 10.4% of drivers in Nevada are uninsured (vs. 13% nationally), other factors like repair costs and claim frequency drive premiums higher.
Car theft
FBI data shows there were 15,606 reported motor vehicle thefts in 2024 in NV, down 29% from the previous year.
Natural disasters
NV has a relatively low FEMA disaster rating of 41, lowering comprehensive coverage costs, though earthquake and wildfire are still threats.
What car insurance do I need in Nevada?
All Nevada drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:
| Required minimum coverages for Nevada drivers | Minimum amount required | What’s covered | What’s not covered |
|---|---|---|---|
| Bodily injury liability | $25,000 (per person) $50,000 (per accident) | Medical bills, lost wages, and other costs when you hurt someone else in an accident | Your own injuries, damage to your car, amounts above your policy limits |
| Property damage liability | $20,000 | Damage you cause to other people’s cars, fences, buildings, and property | Damage to your own car, your own property, amounts above your policy limits |
What additional car insurance coverages are offered in Nevada?
Beyond state minimums, these optional coverages provide
extra protection for Nevada drivers
Collision coverage
Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.
Read moreComprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.
Read moreRental car reimbursement
Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer
Read moreWhat does (and doesn’t) car insurance cover in Nevada?
Car insurance protects you financially in many situations, but it does not cover everything.
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from desert off-roading
How much car insurance do I need in Nevada?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Nevada labor rates? Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| Las Vegas | $72 | $105 | $166 | $72 |
| Reno | $82 | $106 | $179 | $82 |
| North Las Vegas | $72 | $105 | $166 | $72 |
| Sparks | $82 | $106 | $179 | $82 |
| Henderson | $72 | $105 | $166 | $72 |
Source: Caliber
What happens if I drive without insurance in Nevada?
Nevada takes uninsured driving seriously, and the penalties add up fast.
Fines
No fine for 1-30 days uninsured, $250 for 31-90 days, $500 for 91-180 days, $1,000 for 181+ days.
Suspension
License suspended until insurance proof provided, with $250 reinstatement fee every time.
Jail time
Nevada focuses on escalating fines based on how long you’ve been uninsured – no jail time.
What do you need to get a car insurance quote in Nevada?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
How does car insurance work in Nevada?
Think of car insurance as a financial safety net for when things go wrong on the road.
Pick your protection
Shop around and choose coverage that fits your budget.
Make payments
Keep up with monthly payments and you’re covered.
When S%!t happens
File a claim, pay your deductible, and your insurer covers the rest up to your limits.
Nevada car insurance FAQs
Is Nevada a no-fault state?
No, Nevada isn’t a no-fault state. Nevada follows an at-fault insurance model. If you’re injured in an accident, you can pursue claims against the responsible driver. PIP insurance isn’t required.
Do I need insurance to register a car in Nevada?
Yes, Nevada requires insurance to register a vehicle. You must carry minimum liability coverage verified through the state’s electronic system. Registration can’t be completed without proof of insurance, and coverage must be maintained continuously.
What are the top risks for driving in Nevada?
Nevada’s high-speed highways and long desert stretches can contribute to driver fatigue and inattention. Rural areas see frequent issues with tired, distracted drivers, while urban areas experience aggressive, congested traffic. Extreme heat can also cause vehicle mechanical problems.
How long do I have to report an accident in Nevada?
Nevada requires accidents involving injury, death, or property damage of $750 or more to be reported immediately to law enforcement. You must also file a crash report with the DMV within 10 days if police don’t respond. Failure to file can result in license suspension. Insurance notice should be immediate.
What are the top safety tips for driving in Nevada?
In Nevada, take breaks to stay alert on long desert drives. Stay hydrated and make sure your car can handle the crazy heat. Urban areas have fast-moving traffic. Slow down when sudden rainstorms hit.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026
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