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Nevada Car Insurance Resources

Nevada Car Insurance

Car Insurance Rates in NV

^ From 2006 to 2010, Nevada cities had the 8th highest auto insurance rates in the nation. [2]

Car Insurance in NV by City

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Cars Insured in NV

^ Nevada ranked 35th of all U.S. states in total auto insurance policies in 2011. [1]

NV Car Insurance

Car Insurance in Nevada

Car Insurance Liability Requirements in Nevada

  • Minimum Liability Limits in NV: 15/30/10 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Nevada

Required Car Insurance Coverage in Nevada
  • Auto Insurance Coverage Requirements in NV [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Nevada

  • Insurer Verification of Auto Insurance in NV [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Nevada Car Insurance Facts, Estimates & Related Laws

Nevada Car Insurance Facts

Nevada Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in NV
    • Nevada had the 11th highest auto insurance rates in the nation in 2010. [2]
    • Rates in NV ranked 9th in the nation in 2009. [2]
    • In 2008, NV had the 8th highest rates in the country. [2]
  • Number of Auto Insurance Policies in NV
    • Nevada ranked 35th in the nation in auto insurance policies in 2011 with a total of 1,791,986. [1]
  • Uninsured Motorist Rate in NV
    • The uninsured motorist rate in NV ranked 24th in the nation in 2009. [3]

Nevada Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Nevada Automotive Laws

  • Safety Belt Laws in NV
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 6+ years in all seats. [7]
    • Child restraint law in place for 5 years and younger and 60 pounds or less. [7]
  • Motorcycle Helmet Laws in NV
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in NV
    • Renewal cycle: 4 years [7]

Nevada Auto & Driver Facts

Nevada Automotive Facts

Nevada Auto & Driver Facts
  • Speed Limits in NV
    • Rural interstates: 75 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 70 mph [7]
  • Motor Fuel Consumption in NV
    • Nevada cities collectively ranked 36th in the nation in total motor fuel consumption in 2011. [9]

Nevada Licensed Drivers

  • Licensed Drivers in NV [10]
    • Total Drivers: 1,700,829
    • Female: 828,315
    • Male: 872,514
    • NV has the 35th most drivers in the U.S.
  • Minimum Driving Age in NV [5]
    • Nevada has a minimum driving age of 15 years, 6 months.

Nevada Auto Registrations

  • Auto Registrations in NV [8]
    • Registered Cars: 1,079,145
    • Registered Trucks: 1,000,945
    • Registered Motorcycles: 68,976
    • Total Registrations: 2,152,407
    • Rank: Nevada ranked 33rd in the United States in total auto registrations in 2011.

Additional information about Nevada

About Nevada

Nevada has a population of approximately 2,700,551, which ranks 35th in the U.S. among all states. [6]

NV Car Insurance

More about Nevada auto insurance

For more information about auto insurance in NV, or for additional resources regarding Nevada car insurance, visit the Nevada Department of Insurance.

Did you know?

Only three states (Arizona, Montana, and South Carolina) do not have any ban in place on texting while driving.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Nevada Cities