Nevada law requires every registered vehicle to be covered by auto insurance at all times. Driving without insurance in Nevada is a serious offense that can result in fines, license suspension, and vehicle impoundment — even for a first offense.
Nevada Minimum Auto Insurance Requirements (2026)
Nevada follows a 25/50/20 minimum liability rule:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability
Nevada also requires Uninsured Motorist coverage at the same limits as your liability coverage, unless you sign a written waiver declining it.
Penalties for Driving Without Insurance in Nevada
- First offense: $250–$1,000 fine + $250 license reinstatement fee
- Second offense within 3 years: $500–$1,000 fine + 30-day license suspension
- Third offense within 3 years: $1,000 fine + 90-day license suspension + possible vehicle impoundment
SR-22 Insurance in Nevada
If your license has been suspended for driving without insurance or for a DUI, Nevada may require you to file an SR-22 certificate — a form your insurance company files with the DMV proving you have coverage. Sewell Insurance Agency can help you obtain SR-22 coverage quickly and affordably.
Average Auto Insurance Rates in Nevada
| Coverage Type | Average Annual Premium |
|---|---|
| Minimum liability | $580 – $820 |
| Full coverage | $1,800 – $2,400 |
| Las Vegas (full coverage) | $2,200 – $3,000 |
Get a Nevada Auto Insurance Quote
Sewell Insurance Agency is licensed in Nevada and can get you covered quickly — often the same day. Whether you need basic liability, full coverage, or SR-22 filing, we've got you covered.