Do I Need Auto Insurance to drive in Nevada?

Yes, financial responsibility (commonly known as insurance) is required on all vehicles operated or parked on Nevada roadways.

You must have evidence of financial responsibility:

You must show proof of insurance when:

• Registering a Car in Nevada.
• Stopped by a police officer.
• Involved in a car accident.

Nevada state law requires that all drivers have liability coverage.

Liability insurance pays for damages or injuries that you cause in a car accident, up to the amount of coverage you have.

What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles

The State of Nevada minimum liability amounts are as follows:

• $15,000 bodily injury per person.
• $30,000 total bodily injury per accident.
• $10,000 total property damage per accident.

Liability insurance compensates a person other than the policy holder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

Common optional coverages are available to NV drivers:

• Collision coverage – Pays for accident-related damage to your automobile.
• Comprehensive coverage – Pays for damage to your automobile caused by external factors like theft or severe weather.
• Uninsured & underinsured motorist coverage (UM/UIM) – Pays for damage/injury caused by uninsured drivers or those without adequate insurance to cover your costs.
• Medical payments coverage – Pays medical expenses for you and your passengers.
• Rental reimbursement coverage – Pays costs toward renting a car while your car is being repaired after an accident.
• Towing and labor coverage – Pays for towing and roadside assistance.
• Guaranteed asset protection (GAP) coverage – Pays the remainder of a car loan if the car is a total loss and you owe more than it is worth.

Insurance Violation Penalties

The penalties for driving without insurance are based on:

• The duration of the lapse in your car insurance.
• The number of insurance violations you have had.

The penalties for driving without car insurance in NV include:

• Reinstatement fees varying from $250 to $750 depending on your number of insurance violations.
• Fines of up to $1000 depending on how long you went without auto insurance.
• SR22 insurance for 3 years if you did not have insurance for 91 days or more, regardless of how many violations you have had.
• Driver’s license suspension for a minimum of 30 days if it is your third violation for driving without car insurance, regardless of the length of the lapse.

If you cause an accident resulting in more than $750 in damage while uninsured, you can have your driver’s license and vehicle registration automatically suspended or revoked.

More information about the penalties for driving without car insurance in Nevada is available on the NVDMV page.

DUI violations - SR-22 Requirements for Nevada

What is an SR-22?

After a driving violation, you may also be required to get an SR-22 certification (also known as SR22 insurance or proof of future financial responsibility) from your auto insurance provider.

Who needs an SR-22?

SR22s are required for Nevada insurance violations of 91 days or more and may be required for other violations such as drunk driving (DUI).

The SR22 is not insurance but rather is a guarantee that you will be insured for a certain period of time. In Nevada, the SR22 is required for 3 years.

An SR22 is also known as proof of financial responsibility. Your insurance company must file it with the NVDMV.