Nevada Auto Insurance Quotes

If you've been shopping around for Nevada auto insurance quotes, you've come to the right place. In addition to auto insurance quotes from several companies authorized to do business in Nevada, you can also find the most up to date information on Nevada's auto insurance laws and regulations. Don't get caught driving without insurance: get the information and insurance quotes you need here so you can keep your vehicle legal.

Nevada Liability Insurance Requirements

Liability insurance is the only way to establish financial responsibility for most drivers in Nevada.  You can show proof of self-insurance, but this only applies to people who own 11 or more vehicles).  For people who own fewer than 11 vehicles, liability insurance coverage must be maintained on all registered vehicles.  This insurance required whether the vehicle is being used or not.  The minimum liability insurance coverage requirements in Nevada are $15,000 for bodily injuries for one person in one accident, $30,000 for all bodily injuries in one accident, and $10,000 property damage per accident.  The provider of the insurance policy must be licensed to do business in Nevada.

Nevada Proof of Insurance

Nevada ensures that vehicles are insured with the use of the Insurance Verification Program.  Under this program, insurance companies send monthly reports to the Department of Motor Vehicles.  These reports contain information on all new policies and policy terminations that have been processed that month.  Based on these reports, the DMV may flag certain vehicles as possibly being uninsured.  The DMV will send the drivers of these flagged vehicles verification requests, which must be completed within 20 days.  In order to complete this form, you must provide your name, insurance policy number, name of the insurance company, and VIN of your vehicle.  After this information is verified, the DMV will inform you that the matter has been closed.

If you do not show proof of insurance within the 20 day period, your vehicle registration will be suspended.  If your registration is suspended due to what you feel is an error, an appeal is possible.  You must contact the Office of Administrative Hearings to request a hearing regarding your suspended registration.

Failure to Maintain Insurance Coverage

If you do not have proof of insurance or any insurance coverage at all, your vehicle registration will be immediately suspended.  In order to reinstate your registration, you must obtain liability coverage and pay a $250 reinstatement fee.  If you let your insurance lapse because your vehicle was being repaired and was not being used on the roads, you can fill out a Dormant Vehicle Affidavit.  This affidavit can be submitted, along with proof of dormancy (such as receipts for the repairs), to the DMV.  The reinstatement fee drops to $50 from $250 if you submit this affidavit along with proof of dormancy.