Nevada Car Insurance Minimum Requirements
Nevada requires at least 25/50/20 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $20,000 for property damage.
- Shorthand
- 25/50/20
These limits took effect on July 1, 2018. Before that date Nevada required 15/30/10, and guides that still quote those figures are out of date (SB 308, 2017).
- Bodily injury — per person
- $25,000
- Bodily injury — per accident
- $50,000
- Property damage
- $20,000
- Uninsured / underinsured motorist
- Included unless you reject it in writing
Every Nevada auto policy must carry uninsured motorist coverage of at least the minimum bodily injury limits unless the named insured rejects it in writing, on a form from the insurer describing the coverage being turned down (NRS 690B.020). Underinsured motorist coverage works differently: the insurer must offer it at limits equal to the bodily injury limits you bought, but you may decline it (NRS 687B.145(2)).
- Personal injury protection (PIP)
- Not required
Nevada is an at-fault state and does not require personal injury protection. Insurers must offer at least $1,000 of medical payments coverage on a passenger car or motorcycle policy, which you may turn down (NRS 687B.145(3)).
Nevada sets $20,000 — higher than 17 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.
How Nevada compares with every other state
What these numbers buy you
Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.
The $20,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 17 states on this site set a lower floor. Whatever the repair or replacement actually costs above $20,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.
None of this is what Nevada drivers actually spend. The average premium written per insured vehicle here was $424 in 2023, 24th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.
Carrying the minimum is legal, not safe. It is the line below which Nevada will not let you drive — and the penalties for falling under it are on the driving uninsured page.
Common questions
Is uninsured motorist coverage required in Nevada?
Included unless you reject it in writing.
Is PIP required in Nevada?
Not required.
Is full coverage required in Nevada?
No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Nevada law requires. A lender or leasing company will usually require them until the car is paid off.
Every statute cited for Nevada
What changed
July 1, 2018
Minimum liability limits raised from 15/30/10 to 25/50/20
SB 308 (2017) raised the minimum motor vehicle liability coverage required by NRS 485.185 to $25,000 for bodily injury or death of one person, $50,000 per crash, and $20,000 for property damage, up from $15,000/$30,000/$10,000. The act became effective on July 1, 2018 and carried the same increase into the short-term lessor rule (NRS 482.305), the post-crash security limits (NRS 485.210), the judgment-satisfaction thresholds (NRS 485.304) and the policy requirements (NRS 485.3091). Guides that still quote 15/30/10 for Nevada are out of date.
Nevada SB 308 (2017), enrolled — Chapter 258, Statutes of Nevada 2017
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- Fifteen Thousand Dollars, or Two Hundred and Fifty ThousandThe legal minimum for injuring one person in a crash ranges from $15,000 in Pennsylvania to $250,000 in Michigan — and in Florida there is no bodily injury requirement at all.
More on Nevada
Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.