Car insurance in Nevada
Nevada is an at-fault state with a minimum liability requirement of 25/50/20. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage. These limits have been in place since July 1, 2018, with no change for 2025 or 2026 (a widely repeated claim that Nevada raised minimums in 2025 was checked and could not be substantiated - it appears to be confusion with Utah's actual January 2025 increase).
Not mandatory by law; UM/UIM is available and commonly offered, but drivers can decline it.
Estimated cost
$1,084 a year for minimum coverage, $3,568 for full coverage2
Average annual premiums in Nevada for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Required after a DUI or serious moving violation, or if liability coverage lapses for 90+ days; maintained a minimum of 3 years.
Local conditions worth knowing
Clark County/Las Vegas sees over 20,000 crashes annually, driven by heavy tourism traffic and Strip-corridor/I-15 congestion.
Frequently asked
- What is the minimum car insurance requirement in Nevada?
- Nevada requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage. These limits have been in place since July 1, 2018, with no change for 2025 or 2026 (a widely repeated claim that Nevada raised minimums in 2025 was checked and could not be substantiated - it appears to be confusion with Utah's actual January 2025 increase).
- Is Nevada an at-fault or no-fault state?
- Nevada is an at-fault state for car insurance claims.
- Do I need an SR-22 in Nevada?
- Required after a DUI or serious moving violation, or if liability coverage lapses for 90+ days; maintained a minimum of 3 years.
- Is uninsured motorist coverage required in Nevada?
- Not mandatory by law; UM/UIM is available and commonly offered, but drivers can decline it.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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