STATE LAW – NEVADA LIBRARY – GUIDE 02
Required Auto Insurance & Minimum Limits in Nevada
Nevada requires liability insurance meeting the state’s minimum financial-responsibility limits. Current minimums are $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage.
- Confirm the actual policy, insured vehicle and liability limits.
- Distinguish statutory minimums from all potentially available insurance.
- Investigate owner, employer, commercial, umbrella and excess coverage.
- Review current Nevada statutes and DMV/Division of Insurance guidance before legal reliance.
Current Nevada minimum liability limits
Nevada requires at least $25,000 bodily-injury liability per person, $50,000 per accident, and $20,000 property-damage liability. The Nevada Division of Insurance identifies these as the current 25/50/20 minimum limits.
UM/UIM and MedPay must be offered
NRS 687B.145 requires insurers to offer uninsured/underinsured motorist coverage in an amount equal to the policy’s bodily-injury liability limits and to offer at least $1,000 in medical-payments coverage. Those coverages are optional to purchase but should be investigated separately from liability insurance.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Sources
Verify current Nevada law at the source
The reviewed Nevada guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.