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Nevada Insurance Information

Nevada is also known as the Silver State. It was the 36th state, officially becoming part of the United States in 1864. It was entered as a Union state in the Civil War era. The first settlement in Nevada was called Mormon Station. Not many settlers moved to the state as a destination at that time. Most traveled through this desert state in search of gold in California. The Great Basin consumes the northern part of the state, while the Mojave Desert consumes the south part. Carson City is the capital, but Las Vegas and Reno are the most well-known cities. Las Vegas is the largest city, with 85% of the population living there and most of the state's revenue coming from it. It is also called Sin City; Las Vegas became popular in the 60s and 70s and continued to grow into the luxury city of gambling, food, parties and adult entertainment it is today.

Many people each year trek across the desert in Nevada to Las Vegas. When driving in both the cities and the desert, it is important to have a good Nevada car insurance policy. When purchasing a Nevada auto insurance policy, there are a few critical things to keep in mind. In nearly every city, there are gambling halls and casinos everywhere. Transients often break into cars, so the incidence of car theft is very high. Accidents from drunk drivers are also high. People who come to the state to gamble also come to drink. Since the freedom to walk around in public with drinks is granted, visitors often take that too far and drive while drunk. There are also extreme temperatures in the later summer months. This desert climate sees temperatures over 115 degrees on some summer days.

Temperatures that high will strip tires and cause both older and newer cars to overheat and break down. With so few towns in the desert, a good roadside program is crucial. Getting a free Nevada auto insurance quote is free with our helpful search tool on this page. Whether a new insurance policy is sought or a change of providers for a lower premium, this is the right place to find it. Our site will provide all of the necessary information about different providers, their rates and types of policies they offer. Don't risk driving without insurance - or driving without complete insurance against all the unavoidable risks in this state. Use the search tool to instantly receive a free Nevada car insurance quote and enjoy driving with peace of mind.

Nevada Population Data At-a-Glance

2,723,322 total population
36 average citizen age
103 males per 100 females
4 number of cities with > 100,000 residents
Las Vegas largest city in the state

Vital Nevada Insurance Facts

A robust understanding of your state insurance stipulations and information will assist you in administrating and customizing your policy. Confirm you have critical coverage and comply with the requirements such as your state minimum coverage.

Average Annual Nevada Insurance Premium Payment


About $105.42/Month. Nevada ranks as the 21st most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 354,032 Uninsured Drivers in the State of Nevada

NV Licensing Rules & Regulations

All states are unique in regards to licensing regulations and rules. Conclude whether you are complying with state and local laws to steer clear of fines and other accompanying penalties. Breaches such as driving without a driver license can bring grim repercussions.

Learner's Permit

15.5 Years

Unrestricted License

18 Years

Renewal Frequency

4 Years

Safety Requirements, Handheld Devices in Nevada

Liable policyholders should strive to meet to all safety requirements. The legal statutes concerning cellular phone usage and text-messaging usage are different among specific states. Make certain you are aware and complying with the ordinances and laws of the community in which you are driving.

Seatbelt Offenses


Motorcycle Helmets

All Ages

Handhelds Banned?


Text-Messaging Banned?


Nevada Impaired Driving Laws

Impaired driving laws, such as DWI/DUI laws, vary greatly among all states. Although it is important to not, under any condition, drink and drive, understanding the impaired driving limitations can help you make a wise decision before getting into a vehicle.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

180 Days

SR-22 Required?


Open Container Law