Nevada Auto Insurance

The Silver State

Compare Insurance Quotes From Multiple Companies

Nevada Auto Insurance

Of course 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 your car may experience shouldn’t be overlooked… no matter where you live.

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 you’re comfortable paying.

Use the simple form below for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you’ll be ready to choose from our top-rated affordable carriers.

Required Auto Insurance Coverage in Nevada

Nevada drivers must have liability insurance. This kind of coverage would pay for (up to your policy’s limits) the other people and their property damage involved in an accident that you were at fault for. Liability insurance excludes your own car and any injuries you suffer as a result of the accident. Nevada has put liability 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: $15,000 per person, $30,000 total per accident
  • PD or Property Damage: $10,000 per accident

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

Optional Coverage in Nevada to Consider

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:

  • Underinsured or Uninsured Motorist Coverage - With this kind of coverage, your insurance company should help cover your damages and injuries caused by a driver without adequate insurance. An estimated 13% of Nevada drivers are uninsured, and that could leave you picking up the pieces after an accident—whether you were at fault or not.
  • Collision Coverage - If you are in a collision involving other vehicles, this option to add to your insurance policy would help pay for damages to your own car. There’s no question that car repairs are expensive… but 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 - It’s important to consider all the variables that could cause car damage: door dings, vandalism, floods, and more are all cause for concern, and shouldn’t be overlooked when choosing your insurance policy. With comprehensive coverage, your insurance would help pay for these types of incidences.
  • 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 enough to cover the costs. Consider ambulance rides, hospital visits, treatment, and more. With higher BI 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, lightpoles, 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 yourself.

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.

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. Don’t spend more than you need to. Ask your insurance provider of discounts that you may qualify for, as you could end up with considerable savings.

Examples of these discounts may include:

  • Safe driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Multi-policy
  • And more…

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 would 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 out of pocket. The knowledgeable 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 Insurance Quote Today: (888) 772-4247

You are leaving AIS Insurance and will be redirected to our partner site to complete your quote and purchase.