The Silver State

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Nevada Auto Insurance

Nevada is most notorious for its Las Vegas gambling and upbeat nightlife, but it’s also home to extreme heat and flash flooding. Though natural disasters are rare in Nevada, accidents, vandalism and other bumps and bruises can still happen to your car.

Auto Insurance rates in Nevada can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help! We’re happy to share our network and our knowledge with you, so you can get the coverage you’re looking for at a price that’s right for you.

Use our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and then you get to choose from our top-rated affordable carriers.

Required Auto Insurance in Nevada

Nevada drivers must have Liability Insurance as required by state law. This kind of coverage pays for the other people and their property damage involved in an accident that you were at fault for (up to policy limits). Liability Insurance excludes your own car and any injuries you suffer as a result of the accident. Nevada has put Liability coverage minimums in place, but you always have the option of purchasing higher limits in order to better protect yourself.

State Minimum Liability Coverage in Nevada

  • BI or Bodily Injury: $25,000 per person, $50,000 total per accident
  • PD or Property Damage: $20,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Nevada

You can purchase the minimum Auto Insurance coverage limits and be a legal Nevada driver, but you have more options than what the law has deemed sufficient. Additional coverage and higher limits could better protect you from expenses resulting from an accident, weather extremes or other issues.

Below are some examples you may want to consider:

  • Collision Coverage*: If you are in a collision involving other vehicles, this optional coverage helps pay for damages to your own car. When the average national repair costs following an accident are nearly $3,000, it’s important to consider additional insurance protection, and avoid paying those costs out of your own pocket.
  • Comprehensive Coverage*: Take time to think about all the variables that could cause car damage, including door dings, vandalism, flood, fire and more. These shouldn’t be overlooked when choosing your insurance policy. With Comprehensive coverage, your insurance would help pay for these types of non-collision incidences.
  • Underinsured/Uninsured Motorist Coverage: This type of coverage helps pay for your damages and injuries caused by a driver without adequate Auto Insurance. An estimated 13% of Nevada drivers are uninsured, and that could leave you paying for your own damage after an accident, even if you were not at fault.
  • Higher Bodily Injury Limits: Bodily Injury claims can add up fast, and if you are held responsible for an accident, the $15,000 per person minimum may not be nearly enough to cover the costs. Consider ambulance rides, hospital visits, treatment and more. With higher Bodily Injury limits, you could be better protected from potentially substantial costs.
  • Higher Property Damage Limits: Property damage can come in many forms. Consider an accident involving not only other vehicles but fences, light poles or even buildings. $10,000 may not be enough to cover all the damage, and you could find yourself required to pay any additional costs out of your own pocket.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

It is not necessary for you to add these types and levels of coverage, but you may decide it’s in your best interests to do so. To help you determine your Auto Insurance coverage needs, call a licensed Insurance Specialist at AIS.

Most Stolen Car Models in Nevada

If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to, these are the top 10 cars that were stolen in Nevada in 2017:

  1. Honda Civic
  2. Honda Accord
  3. Ford Pickup (Full Size)
  4. Chevrolet Pickup (Full Size)
  5. Toyota Camry
  6. Nissan Altima
  7. Nissan Sentra
  8. Toyota Corolla
  9. GMC Pickup (Full Size)
  10. Dodge Pickup (Full Size)

Nevada Auto Insurance Discounts

Auto Insurance is a must in Nevada, so you should take advantage of all the discounts that may be available to you. You don’t want to spend more than you need to. Ask your insurance provider about discounts that you may qualify for, as you could end up with considerable savings.

Examples of these Nevada Auto Insurance discounts may include:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Multi-Policy

To learn more about these specific discounts, visit our Discounts page.

Nevada may be a state where your car is fairly safe from natural disaster danger, but (just like anywhere you choose to live) it’s not as safe from accidents, collisions, vandalism and other such issues. The right Auto Insurance could protect you from huge car damage expenses that, without insurance, you would have to pay for out of pocket. The knowledgeable and licensed Insurance Specialists at AIS will provide you with helpful assistance and work with you to find the right policy. Call us today to see how we can help with your Nevada Auto Insurance needs!

Start a Nevada Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Nevada

Las Vegas, Nevada has the most hotel rooms in the world. 

Nevada is the second largest gold producer in the world, after South Africa.

Notable Nevada Attractions

Las Vegas Boardwalk 

The Hoover Dam

Red Rock Canyon