Nevada Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. Minimum coverages for the state of Nevada are $15,000 personal injury, $30,000 for all injury and $10,000 in property damage. Commonly referred to as 15/30/10 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • The actual liability insurance policy issued for the vehicle
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage
Failure to provide proof of insurance results in a citation, license suspension in the event that the driver was in fact uninsured, and registration suspension.

In addition if your insurance lapses, Nevada has no grace period. A one day lapse in your insurance coverage will result in a possible suspension of your registration. The minimum penalty is a $250 reinstatement fee.

DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. In Nevada, points accumulated are erased from your record after a period of 1 year from the date convicted of the violation.

Below are SOME EXAMPLES of violations and their corresponding point values:


  • 1-10 mph over posted limit – 1 point
  • 11-20 mph over posted limit – 2 points
  • 21-30 mph over posted limit – 3 points
  • 31 – 40 mph over posted limit – 4 points
  • 41 mph or more over posted limit – 5 points
  • driving too fast for the conditions – 2 points

Additional violations/infractions:

  • Reckless Driving – 8 points
  • Careless Driving – 6 points
  • Failure to give information or render aid at the scene of an accident – 6 points
  • Following too closely – 4 points
  • Failure to yield right-of-way – 4 points
  • Passing a school bus when signals are flashing – 4 points
  • Hand-held cellphone use or texting - 4 points
      (2nd and subsequent offenses)
  • Disobeying a traffic signal or stop sign – 4 points
  • Impeding traffic, driving too slowly – 2 points
  • Failure to dim headlights – 2 points
When you receive 12 or more points in any 12-month period, your driver license is automatically suspended for 6 months.

Major traffic offenses such as DUI, death or substantial bodily harm are not assigned demerit points. These offenses result in automatic revocation or suspension of your license.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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