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Better rates for better drivers in Nevada

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Fair car insurance in Nevada

Whether you’re in Las Vegas or Henderson, Reno or Carson City, Root makes car insurance easy and affordable for safe drivers in the Silver State. Good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.

How it works

At Root, we care about how you actually drive. So that’s primarily how we base rates. Traditional auto insurance companies base your rate on things like age, credit score, marital status, and ZIP code—we don't think that's fair, so we’re doing it differently.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for Nevada auto insurance

What are the state minimum requirements for car insurance in Nevada?

Legally operating a vehicle in Nevada means you must carry Liability insurance. If you’re found driving without it, you could face fines and penalties. 

You also must show proof of insurance if you’re involved in a car accident or stopped by a police officer. And the first time you register your car or renew a registration, you need to show proof, too. Nevada now accepts electronic proof of insurance, so Root policyholders always have proof of insurance in the Root app.

Liability coverage

You are required by Nevada law to carry Liability coverage in Nevada. Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members—coverages like Medical Payments serve that purpose. And if you want coverage for your vehicle, Collision and Comprehensive is available. These additional coverages beyond Liability are what can help you save a lot of money if you’re in a serious accident. Minimum required Liability coverage in NV: 

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $20,000 Property Damage

If you’re caught without it, you could face fines up to $1,000, reinstatement fees varying from $251 to $751, and a suspended driver’s license for a minimum of 30 days if it’s the third violation for driving without car insurance (regardless of the length of the lapse). If your lapse in required insurance is 91 days or longer, you’re required to file and keep SR-22 insurance for 3 years, too. And if you cause an accident resulting in more than $750 in damage while uninsured, you can have your driver's license and vehicle registration automatically suspended or revoked.

What is SR-22 insurance?

SR-22 insurance is required for Nevada car insurance violations of 91 days or more and may be required for other violations such as drunk driving (DUI). The SR-22 is actually not insurance–it’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. In Nevada, the SR-22 is required for 3 years following an insurance violation. Your insurance company must file it with the Nevada DMV upon your request.

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

How much is car insurance in Nevada?

The average Nevadan pays $1,570 [1] per year for their auto policy, but many people pay much more. Root could save good drivers $900/year. That’s what fair and simple car insurance in Nevada looks like.

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Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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1. Annual average rates were compiled in April 13, 2020

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Root Inc.

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.