Home / Minimum Car Insurance Requirements by State / Nevada
Nevada Minimum Car Insurance and Penalties for Driving Without It
The short answer
Nevada requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20).
Nevada at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20) |
|---|---|
| Other required coverage | No other coverage is required besides liability. |
| First offense for driving uninsured | Driving without insurance is a misdemeanor with a fine of $600 to $1,000, reduced to $100 for a first violation if you get a policy by sentencing; on conviction the DMV suspends your license until you show proof of financial responsibility, which you must keep for 3 years. Separately, a registration lapse leads to registration suspension and a $250 fee. Lapses over 30 days add a fine of $250 to $1,000, and lapses of 91 days or more also require an SR-22 for 3 years. |
| Repeat offense | Later violations carry the same $600 to $1,000 fine without the $100 reduction. A second registration lapse within 5 years has a $500 fee, plus a fine of $500 or $1,000 if the lapse is over 30 days, and an SR-22 for 3 years if the lapse is 91 days or more; a third lapse within 5 years has a $750 fee, a fine of $500 to $1,000 if the lapse is over 30 days, an SR-22 for 3 years and a license suspension of at least 30 days. |
| Fee to restore after a lapse | Registration reinstatement fee of $250 for a first offense, $500 for a second within 5 years, or $750 for a third within 5 years, plus any fine; the DMV may reduce the fee to $50, or waive it, if you prove extenuating circumstances or a dormant vehicle. A suspended driver license has a $75 reinstatement fee plus license and testing costs. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Nevada?
Nevada requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20).
What happens if you drive without insurance in Nevada?
Driving without insurance is a misdemeanor with a fine of $600 to $1,000, reduced to $100 for a first violation if you get a policy by sentencing; on conviction the DMV suspends your license until you show proof of financial responsibility, which you must keep for 3 years. Separately, a registration lapse leads to registration suspension and a $250 fee. Lapses over 30 days add a fine of $250 to $1,000, and lapses of 91 days or more also require an SR-22 for 3 years.