Uninsured Motorist Coverage — Nevada
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Nevada Does Not Require Uninsured Motorist Coverage
Nevada does not mandate uninsured motorist (UM) coverage. The state requires only liability insurance: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. Uninsured motorist coverage is optional. Every carrier licensed in Nevada must offer it, but you can reject it in writing.
This creates a structural decision for households insuring multiple vehicles. When you reject UM coverage, you reject it for the entire policy — every car on that policy goes without it. When you accept it, you pay for it on every vehicle the policy covers. The choice is binary and policy-wide, not per-vehicle.
“Rejecting UM coverage on a multi-vehicle policy removes it from every car the policy covers.”
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Get My Nevada Car Insurance Quote11.1%
Nevada Uninsured Driver Rate
One in nine Nevada drivers operates without insurance. That proportion translates to collision risk: if an uninsured driver hits your vehicle, your liability coverage pays nothing for your own damage or injury. Uninsured motorist coverage fills that gap.
Insurance Information Institute, 2023
How Uninsured Motorist Coverage Works Across Multiple Vehicles
Uninsured motorist coverage pays for your injuries and, in some states, your vehicle damage when an at-fault driver has no insurance or insufficient coverage. Nevada UM coverage includes bodily injury only; property damage under UM is not standard. If you want property damage protection from an uninsured driver, you add collision coverage to your own policy.
When you insure two or more vehicles on one policy, UM coverage applies to every car. The premium for UM coverage scales with the number of vehicles: more cars mean higher total cost, even though the per-vehicle increment is typically smaller than the first-vehicle charge. Rejecting UM coverage removes the charge from all vehicles on the policy.
Carriers structure UM premiums by stacking per-vehicle charges. A household with three cars pays UM premiums for three cars. The coverage itself, however, follows the injured person, not the vehicle. If you are injured as a pedestrian by an uninsured driver, your UM coverage still applies — it is not limited to incidents involving your own cars.
Rejecting UM coverage on a multi-vehicle policy removes it from every car the policy covers. You cannot reject it for one vehicle and keep it for another on the same policy.
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State Minimum Liability Does Not Cover Your Own Injuries
Nevada's $25,000 per person / $50,000 per accident liability minimum pays for injuries you cause to others. It pays nothing for your own injuries. If an uninsured driver hits you, their liability coverage does not exist. Your liability coverage does not apply to your own injuries. Without UM coverage, you rely on your health insurance or pay out of pocket.
Households with multiple vehicles face compounded exposure. If any household member is injured by an uninsured driver while driving any of the household's cars — or while a passenger, or as a pedestrian — UM coverage would apply. Rejecting it removes that protection across every scenario and every vehicle. The decision is not about one car; it is about the household's injury-cost exposure across all driving.
Nevada does not require personal injury protection (PIP), so there is no state-mandated first-party medical coverage to fall back on. Uninsured motorist coverage is the only auto-insurance product that pays your medical bills when an uninsured at-fault driver injures you.
$25,000
Nevada Bodily Injury Minimum Per Person
This is the smallest liability limit Nevada allows. An uninsured driver carries zero. If that driver injures you and you rejected UM coverage, your auto policy pays nothing for your injuries, regardless of fault.
Nevada DMV
Comparing Carriers for Multi-Vehicle UM Pricing
Carriers licensed in Nevada price UM coverage differently. Some charge a flat per-vehicle amount; others calculate UM premiums as a percentage of liability premium, which varies by driver, vehicle, and location. A household with three vehicles will see different total UM costs across carriers even when liability limits and coverage elections are identical. The only way to compare is to request quotes with UM coverage included and with it rejected, then calculate the difference per vehicle.
When comparing carriers, confirm that the quote reflects all vehicles on the policy. Some online quote tools default to single-vehicle pricing and require manual addition of subsequent cars. If UM coverage is included in the initial quote, the per-vehicle UM charge may not be broken out separately — ask the carrier or agent to itemize it. If you are combining two existing policies after marriage or a household move, request a combined-policy quote with UM coverage elected and another with it rejected to see the household-wide cost difference.
Next Step: Compare UM Coverage Costs Across Your Vehicles
Request quotes from at least three carriers licensed in Nevada, specifying the number of vehicles you insure and whether you want uninsured motorist coverage included. Compare the total premium with UM coverage and without it to see the household-wide cost. If the per-vehicle UM charge is lower than your health insurance deductible and you drive in areas with high uninsured-driver rates, UM coverage typically makes financial sense. If your health insurance covers accident injuries with low out-of-pocket costs and you rarely drive in high-risk corridors, rejecting UM may be defensible. The decision is yours; the state does not require it.
Rejection Process and Multi-Vehicle Implications
To reject UM coverage, you sign a written rejection form provided by your carrier. The form states that you understand the coverage is available, that you are declining it, and that the rejection applies to all vehicles on the policy. Some carriers embed the rejection in the application; others require a separate signed document. The rejection remains in effect for the life of the policy unless you request UM coverage at renewal or mid-term.
If you add a vehicle mid-term to a policy that already rejected UM coverage, the rejection carries forward to the new vehicle automatically. You do not re-sign the rejection form. If you want UM coverage on the newly added vehicle, you must affirmatively request it for the entire policy, which re-rates all vehicles to include the UM premium. The reverse is also true: if you currently carry UM coverage and add a vehicle, that vehicle is covered under UM immediately, and the premium adjusts to reflect the additional car.
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Get My Nevada Car Insurance QuoteFrequently Asked Questions
Does Nevada require uninsured motorist coverage?
No. Nevada does not mandate uninsured motorist coverage. Carriers must offer it, but you can reject it in writing. The rejection applies to every vehicle on your policy.
What happens if I reject uninsured motorist coverage and an uninsured driver hits me?
Your auto insurance pays nothing for your injuries. You rely on your health insurance or pay out of pocket. Nevada liability minimums cover injuries you cause to others, not your own injuries.
Can I reject uninsured motorist coverage for one vehicle and keep it for another?
No. Uninsured motorist coverage applies policy-wide. If you reject it, every vehicle on the policy goes without it. If you accept it, you pay for it on every vehicle the policy covers.
How much does uninsured motorist coverage cost for multiple vehicles in Nevada?
Cost varies by carrier, vehicle, and driver. Carriers charge per vehicle, so a household with three cars pays more total UM premium than a household with one. Request itemized quotes to compare the per-vehicle UM charge across carriers.
Does uninsured motorist coverage in Nevada pay for vehicle damage?
No. Nevada UM coverage pays only for bodily injury. For vehicle damage caused by an uninsured driver, you need collision coverage on your own policy.
What is the uninsured driver rate in Nevada?
11.1% of Nevada drivers operate without insurance. That is roughly one in nine drivers on the road. Uninsured motorist coverage protects you financially when one of those drivers causes an accident.