Nevada Liability Insurance

Understanding Nevada State Minimum Liability Insurance 

Navigating the world of car insurance in Nevada may feel overwhelming, especially if you're considered a high-risk driver. Though your driving history may complicate things, understanding Nevada’s car insurance requirements can help you limit out-of-pocket expenses while staying compliant with the law.  

Whether you're a new driver or just reviewing your current policy, Access Insurance Agency of Nevada, LLC (A Abana) is here to assist you with your Nevada auto insurance journey. Here, we’ll discuss what liability insurance means, what Nevada’s state liability minimum is, and how A Abana can help you find a policy that works for you.  

What is liability auto insurance? 

Let’s start with the basics: liability insurance. Liability insurance is a type of car insurance coverage that can help pay for injuries to someone else or third-party property damage that you cause.  

Liability insurance typically has two key components: 

• Bodily injury liability: This can help pay for medical expenses if a third party is injured from an accident where you’re at fault.  
• Property damage liability: This can help cover repairs if you damage someone else's vehicle or property, like a fence or mailbox. 

One important thing to remember: liability insurance does not cover your own injuries or damage to your vehicle. For those incidents, you may want additional coverage like collision or comprehensive coverage. Collision coverage can help pay for repairs to your vehicle after an accident regardless of fault, while comprehensive coverage can help pay for repairs to your vehicle after a non-collision incident, like theft or vandalism.  

Nevada’s minimum car insurance requirements 

If you’re driving in the Silver State, you may know that liability insurance in Nevada is state mandated. As of May 2025, here are the minimum liability limits required for all drivers: 

• $25,000 for bodily injury per person 
• $50,000 for bodily injury per accident  
• $20,000 for property damage 

Though these limits are mandated to drive legally in Nevada, these are just the minimum requirements. Certain accidents may result in costs that exceed these limits, especially in more severe situations. This is why it may be important for drivers to increase their liability limits.  

If you’re driving without the legal minimum on your policy, you may be faced with serious penalties. Getting caught without insurance may lead to hefty fines, license suspension, and even the requirement to file an SR-22. An SR-22 is a special certificate proving that you carry the state’s mandated coverage but having it may increase your auto insurance rates in the future.  

Why minimum coverage may not be enough 

As stated previously, there are many accidents that liability coverage won’t cover. Here are a few coverage options to consider that can help cover a wider array of accidents: 

Uninsured/underinsured motorist coverage: If you get hit by someone who has little or no insurance, you may be stuck in a frustrating position. Having uninsured/underinsured motorist coverage on your policy may help pay for damages to your vehicle or injuries you sustain from an at-fault uninsured driver.  

Comprehensive and collision coverage: Like mentioned above, both coverages can help pay for damages to your vehicle. Comprehensive coverage may help cover non-collision incidents like severe weather or theft, while collision coverage can help pay for damages to your vehicle after an accident, regardless of fault.  

Roadside assistance: If you’re stuck on the side of the road, roadside assistance may help to provide certain services like towing, battery jump-starts, or lockout services. 

Get a car insurance quote in Nevada 

To sum things up, Nevada requires a certain level of liability insurance to drive legally, but minimum coverage may not be enough for you. At A Abana, our friendly, Spanish-bilingual agents understand Nevada’s requirements and available coverage options, helping you find the best policy for your needs. We work with more than 20 different insurance carriers to match you with a rate that aligns with your budget. 

Looking for a car insurance quote in Nevada? Call us at 214-764-8868, stop by one of our locations throughout Las Vegas and Reno, or visit our website for a free personalized quote today! 

Disclaimer:  

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.