Liability Insurance — Nevada
Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or medical bills.
Free to compare
What Is Liability Insurance Insurance?
Liability insurance is the foundation of every Nevada auto policy and the only coverage the state legally requires. It splits into two parts: bodily injury liability, which pays medical bills, lost wages, and legal costs when you injure someone in an accident, and property damage liability, which covers repair or replacement costs when you damage another person's vehicle or property. Your insurer pays claims up to your policy limits, then you are personally responsible for any amount beyond those limits.
Who Needs Liability Insurance Insurance?
Liability insurance is required for every Nevada driver, but minimum limits are rarely sufficient if you own a home, have significant savings, or earn above-median income. If you cause an accident that exceeds your liability limits, injured parties can sue you personally and a judgment can attach to your wages, bank accounts, home equity, and future earnings. Drivers with assets to protect should carry at least 100/300/100 limits, and those with substantial assets should consider 250/500/250 or an umbrella policy.
Calculate your total assets — home equity, savings, retirement accounts, and annual income. If you have minimal assets and low income, minimum limits satisfy the legal requirement but understand you remain personally liable for any damages beyond those limits. If you finance or lease your vehicle, your lender will require collision and comprehensive coverage in addition to liability.
How Much Does Liability Insurance Insurance Cost?
- Your driving record — one at-fault accident in the past three years can increase liability premiums by 30–50 percent.
- Where you live in Nevada — Las Vegas and Reno drivers pay higher liability rates due to traffic density and higher claim frequency.
- Your age and experience — drivers under 25 and over 70 typically pay 20–40 percent more for the same liability limits.
- Credit-based insurance score — Nevada allows insurers to use credit history, and poor credit can increase liability premiums by 50–100 percent.
- Annual mileage — driving more than 15,000 miles per year increases liability cost by approximately 10–20 percent.
