Nevada Liability Insurance

If you feel that navigating car insurance feels confusing and overwhelming, you are not alone. Nevada car insurance requirements mandate minimum levels of liability coverage to drive legally, which is designed to help cover damages or injuries you cause to others in an accident. Understanding these requirements helps you avoid fines, license suspensions, and unexpected out-of-pocket costs, especially if you’re a high-risk driver.

Whether you’re a new driver or just reviewing your current policy, Access Insurance Agency of Nevada, LLC (A Abana) can help you understand Nevada liability insurance and find coverage options that keep you legally compliant and covered.

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. Bodily injury liability insurance in Nevada is important as it can help you avoid costly legal and medical claims.
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

The Nevada law on car insurance requirements states that you must carry liability insurance of at least 25/50/20 coverage. As of January 2026, 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

The Nevada insurance minimums listed above are required for you to comply with Nevada law and drive legally. You can, however, choose higher coverage limits if you wish to.

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

Minimum car insurance requirements in Nevada (25/50/20) are legally required, but they only cover medical bills and property damage you cause to others, not your own injuries or vehicle repairs.

In serious accidents, these limits often fall short of actual costs (one person's medical bills can easily exceed $25,000, for example). You'll be personally responsible for anything above your policy limits. Because of this, many drivers may choose higher liability limits and additional coverage beyond the legal minimum. Speak with an A Abana agent at 214-764-8868 to explore further options.

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How liability insurance works after an accident

If you’ve never filed a liability claim in Nevada, the process may sound intimidating, but it’s often more straightforward than expected:

You’re involved in an at-fault accident: For example, you cause a rear-end collision during heavy traffic on I-15 or Las Vegas Boulevard.
Fault is determined: After law enforcement reports, statements, and evidence are reviewed, if you are determined at fault, a liability claim can be filed.
You file a claim with your insurer: You notify your insurer and provide details about the accident, including any police reports or photos.
Liability coverage steps in: If the claim is covered and you’re found at fault, your insurer can pay the other party’s expenses up to your policy liability limits.
Covered expenses: Liability coverage may help pay for the other party’s medical bills, vehicle repair or replacement costs, and damage to property involved in the accident.

More coverage options to consider

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 as a Nevada driver:

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: As mentioned above, both coverages can help pay for damage 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.
Medical payments (MedPay): If you are in a covered accident, this coverage may help pay for medical expenses for you and your passengers, regardless of who is at fault, helping cover costs like hospital visits, ambulance fees, and other care.

Nevada Liability Insurance FAQs

What are Nevada’s car insurance minimums?

Minimum liability coverage in Nevada is 25/50/20: $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage.

What is Bodily Injury Liability Insurance in Nevada?

Bodily injury liability is a coverage that helps pay for medical costs, lost wages, legal fees, and other related losses for third parties when you’re at fault.

Does liability insurance cover my expenses?

Liability insurance is designed to cover the expenses of others, not yours. Liability coverage does not cover your own medical bills or vehicle repairs, so you may want to consider additional coverage.

What happens if I don’t have insurance?

You can face fines, suspension of your vehicle registration and driver’s license, and other penalties under Nevada law. Repeat offenses may result in harsher penalties.

Can I choose higher limits than the minimum?

Yes. While Nevada sets minimum liability limits, you can choose higher coverage, which could help financially if you’re in a serious accident where costs exceed the minimum requirements.

Get a car insurance quote in Nevada

To sum things up, Nevada requires minimum liability insurance to drive legally, but that coverage may not be enough in a serious accident. At A Abana, our Spanish-bilingual agents know Nevada’s laws, helping you find the best policy for your needs. We work with over 20 different insurance carriers to match you with a rate that aligns with your budget.

Get a personalized quote today by calling 214-764-8868, visiting us in Las Vegas or Reno, or requesting one online!

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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.