Affordable Nevada car insurance that puts you first
Root rewards Nevada drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Nevada auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Nevada auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Silver State
The Las Vegas Strip gets the attention, but Nevada driving quickly turns into long desert highways once the neon disappears in the rearview mirror. Reno, Carson City, Lake Tahoe, and communities across northern Nevada show another side of the Silver State.
Vegas traffic: I-15 is the main interstate through Las Vegas, while I-215 and the beltway help drivers move around the valley.
Up north: I-80 runs through Reno, while US 395 connects Reno and Carson City with routes toward Lake Tahoe and the Sierra Nevada.
Check before crossing the desert: Nevada 511 provides road conditions, incidents, closures, and other traveler information.
From Las Vegas to Reno and beyond: Explore Nevada car insurance from Root.
Nevada's minimum auto insurance requirements
To legally operate a vehicle in Nevada, you must carry Liability insurance for both bodily injury and property damage.
The minimum coverage amounts for liability car insurance required for drivers in Nevada are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$20,000 per accident
Types of Nevada auto insurance we offer
Explore our Nevada car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Nevada?
The average Nevada driver pays $3,963 per year for full coverage car insurance [2].
Root customers looking to purchase Nevada car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Nevada Auto Insurance FAQs
What is the minimum car insurance required in Nevada?
To legally operate a vehicle in Nevada, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Nevada.
Is it legal to drive without insurance in Nevada?
No, you cannot legally drive without auto insurance in Nevada. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Nevada?
Yes. Nevada requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Nevada?
The easiest ways to save on your Nevada car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Silver State.
Is Nevada a no-fault car insurance state?
No, Nevada is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Nevada?
Nevada law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Nevada?
No, Nevada drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Nevada to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Nevada must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Nevada?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Nevada?
High-risk Nevada drivers may be ordered by a court or the Nevada DMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
How does Nevada verify car insurance?
Nevada tracks insurance electronically through a program called Nevada LIVE. Insurers report your coverage directly to the Nevada DMV, so even a one-day lapse can lead to a suspended registration. Getting reinstated can cost $250 to $750 in fees, plus fines of $250 to $1,000 depending on how long you went without coverage. The easiest way to avoid these penalties is to keep your coverage active without gaps.
What happens if I'm partly at fault for an accident in Nevada?
Nevada uses a modified comparative negligence rule with a 51% bar. You can recover damages as long as you're not more at fault than the other party, though your compensation is reduced by your share of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Nevada drivers
Nevada Department of Motor Vehicles
The Nevada DMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and maintains driving records.
Nevada Division of Insurance
The Nevada Division of Insurance regulates insurance in the state and explains Nevada's auto insurance requirements.
Nevada Department of Transportation
NDOT builds and maintains Nevada's highways and shares travel information.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Nevada Division of Insurance. Higher Minimum Vehicle Liability Requirements.
Insure.com. Annual average rates were compiled in 2026.