Nevada Car Insurance
A recent study by the National Association of Insurance Commissioners found that the average car insurance premium in 2001 was $717.70 per year for one vehicle.
The same study also found that Nevada had the 7th highest car insurance premium in the country at $851.15 per year for one vehicle.
InsureMe recognizes the complexity of shopping for affordable Nevada car insurance. That's why we're here to answer your questions and provide you with up to five free Nevada car insurance quotes in your area.
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Your Nevada Car Insurance Questions Answered
What will Nevada car insurance do for me?
A Nevada car insurance policy will protect you from monetary loss in the event of an accident. Your car insurance policy is also an agreement between you and your company which affirms that in exchange for paying the premiums, the insurance company will cover any losses—as outlined in your policy.
Can I drive without Nevada car insurance?
No. Nevada law requires all motorists to have liability coverage, which includes coverage for bodily injury and property damage. This coverage can be purchased as split limit coverage or combined single limit coverage.
If you choose to purchase Nevada car insurance as combined single limit coverage, the minimum allowed by Nevada law is $40,000. Here are the following options for split limit coverage:
- Option One: 15/30/10 — $15,000 per person for bodily injury, $30,000 per accident for bodily injury and $10,000 per accident for property damage.
- Option Two: 100/300/50 — $100,000 per person for bodily injury, $300,000 per accident for bodily injury and $50,000 per accident for property damage.
The minimum limits of liability required by Nevada law is 15/30/10.
Will I be required to carry comprehensive and collision coverage in my Nevada car insurance policy?
Comprehensive and collision coverage are not requirements for Nevada car insurance. However, it is important to note that if you borrowed money to finance your car, the lender will most likely require you to carry such coverage until the loan is paid in full.
Is it mandatory to carry uninsured motorist coverage?
No, but all Nevada car insurance companies are required to offer you uninsured/underinsured motorist coverage in an equal amount to your bodily injury coverage.
I plan to lease. How will this affect my Nevada car insurance policy?
Be sure to check your lease agreement! As a general rule, lease agreements require you to carry liability coverage in the amount of $100,000 per person, $300,000 per accident and may require you to carry more than the $10,000 in property damage coverage normally required by Nevada law.
In what ways can I save on my Nevada car insurance?
Your Nevada car insurance rates will be determined by such factors as driving record, credit history, location, gender and age, marital status and age and type of your vehicle. The Insurance Information Institute offers these additional tips for saving money on Nevada car insurance:
- Ask about discounts — You will find that many companies offer discounted rates to "good students" and also to those who have purchased another form of insurance (homeowner's, for example) through the same company.
- Check special prices for group policies.
- Increase your deductible.
- Insure all cars with the same Nevada insurance company.
What if I still have questions on Nevada car insurance?
You can contact the Nevada Department of Insurance in
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