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Minimum Coverage Car Insurance — Nevada

Minimum coverage car insurance is the lowest amount of liability insurance Nevada law allows you to carry — it covers injuries and property damage you cause to others, but nothing on your own vehicle.

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What Is Minimum Coverage Car Insurance Insurance?

This coverage pays the other driver's bills when you cause an accident. It does not repair your car, cover your medical bills, or protect you if an uninsured driver hits you.

An uninsured driver runs a red light and totals your car. Your minimum liability policy does not pay anything — it only covers damage you cause to others. Without uninsured motorist coverage or collision coverage, you pay the full replacement cost of your vehicle yourself.

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Who Needs Minimum Coverage Car Insurance Insurance?

It meets Nevada's legal requirement to register and drive, and it protects you from tickets and license suspension for driving uninsured.

Compare your car's current value to six months of the premium difference between minimum and full coverage. If your car is worth less than that difference, minimum coverage is defensible.

How Much Does Minimum Coverage Car Insurance Insurance Cost?

Your vehicle — minimum coverage does not insure your car's value, but insurers still factor in your car's safety rating and theft risk when setting liability rates.

Related Coverage Types

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Uninsured and Underinsured Motorist Coverage→

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Non-Owner Car Insurance→

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Liability Insurance→

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Full Coverage Car Insurance→

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Find Coverage That Keeps You Legal in Nevada

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