The Ultimate Nevada Car Insurance Guide (Costs + Coverage)

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Feb 16, 2024

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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Nevada Statistics SummaryStats
Miles of RoadwayTotal in State: 43,900
Vehicle Miles Driven: 25,925 million
Number of VehiclesRegistered: 2,241,530
Stolen: 11,351
Most Popular VehicleRAV4
Uninsured %10.60%
Rank: 29th
Total Driving Related DeathsSpeeding: 92
DUI: 87
Full Coverage Annual PremiumsLiability: $681.56
Collision: $303.86
Comprehensive: $117.63
Cheapest ProviderUSAA

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While the infamous Sin City definitely puts Nevada on the map, the state is known for way more than its gambling culture. In the mid-1800s, Nevada was a hub for mining, and some towns still have that frontier feel today. And in the early 20th century, its isolated and vast terrains were used for nuclear testing.

Las Vegas is the driving force in Nevada, attracting millions of tourists each year. People also come to check out the state’s unique rock formations.

Now let’s talk car insurance. Because let’s face it, we all need it.

But where does one even begin to look?

With a large number of insurers hoping for our business and hundreds of rates to sift through, it can be a bit overwhelming.

But imagine having a complete, comprehensive guide for all you need to know about rates and the best companies.

That’s where we come in.

We know it’s a daunting task — that’s why we’ve done the work for you.

We’ve compiled factors that affect your rates, the best (and cheapest) companies in the industry, state laws, rules of the road, and factors that contribute to fatalities, which is useful to know when driving in the state of Nevada.

Start comparing car insurance rates now by using our free tool above, or, if you’d rather learn more about Nevadan car insurance, keep reading!

Table of Contents

Cheap Nevada Auto Insurance Rates

Have questions regarding finding the right insurance, the amount you’ll need, or even the most affordable provider?

We can help.

To start you off, we’ll talk about how much car insurance is needed in Nevada and the different types of insurance policies, both core and optional.

We’ll also show you how things like age, gender, marital status, and place of residence affect your rates.

Nevada State Minimum Coverage

CoverageRequired Amount
Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$20,000 per accident

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Before anyone can legally get on the road, they must meet the insurance requirements for the state they are driving in.

Let’s break down the specifics for Nevada.

In the event that someone gets into an accident, there is bodily injury liability, which pays for a person or persons’ harm after an accident. In the state of Nevada, bodily injury is $25,000 per person and $50,000 per accident.

The second form of liability insurance is property damage, which, in the event of an accident, would repair damaged structures or fixtures. In the state of Nevada, the minimum required insurance for property damage is $20,000 per accident.

These rates are fairly new, as insurance minimums for Nevada increased a little over a year ago.

As stated in the video, bundling up your insurance, shopping around, and inquiring about discounts could all help you save on rates — important information to know when considering who to do business with.

Stay tuned!

Average Male vs. Female Rates in NV

Rates can change depending on many factors, including gender, age, and marital status. Let’s take a look at the chart below for Nevada.

CompanySingle 17-Year-Old FemaleSingle 17-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleMarried 60-Year-Old FemaleMarried 60-Year-Old Male
American $10,708.72$14,014.29$3,166.61$3,653.13$3,166.61$3,166.61$2,821.83$2,821.83
Depositors $5,805.75$6,979.24$2,808.27$2,994.55$2,362.11$2,414.50$2,152.73$2,282.29
Mid-Century $11,011.64$11,728.64$4,410.53$4,434.89$3,309.54$3,398.72$3,017.95$3,407.39
Progressive $9,436.38$10,231.11$2,535.15$2,328.90$2,182.18$1,873.41$1,904.77$1,899.44
Safeco $14,026.77$15,639.03$3,477.93$3,637.13$3,084.15$3,335.64$3,041.79$3,434.95
State Farm $10,846.02$13,863.57$3,917.14$4,378.51$3,496.78$3,496.78$3,171.99$3,171.99

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While females pay less than males in most cases, younger drivers overall have extremely high rates.

These rates decrease dramatically when individuals turn 25, based on the theory that younger drivers are a liability, as they are less experienced on the road.

At the next tier, that is, married couples, we see a drop in rates, as well as when individuals turn 60 — based on the theory that older drivers have more experience. They also tend to drive less, making them less of a liability on the road.

Now let’s check out some ZIP codes.

Cheapest Rates by ZIP Code in NV

Where you live can also affect your insurance rates. Do you live in a rural setting or near a body of water, which could make the demand and value for that area spike? Let’s take a look.

ZipcodeAverageAllstateAmericanMid-CenturyGeicoSafecoDepositorsProgressiveState FarmTravelersUSAA

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Small towns reliant on agriculture and mining, rural areas, and historic cowboy sites are just a few that landed among the cheapest places to live in Nevada.

ZipcodeAverageAllstateAmericanMid-CenturyGeicoSafecoDepositorsProgressiveState FarmTravelersUSAA

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It makes sense that Las Vegas and North Las Vegas dominate the top 25 most expensive ZIP codes, given the high demand in the most popular city in Nevada.

Cheapest Rates by City in NV

Rates can also vary by city. We’ve listed the top 25 cheapest and most expensive.

Let’s start with the cheapest. Can you find your city in the table below?

CityAverage Grand Total
RUBY VALLEY$3,437.66

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Do you live in a city with some of the most expensive rates in Nevada? Let’s take a look.

CityAverage Grand Total
CAL NEV ARI$4,495.80
CRYSTAL BAY$4,276.79
LAS VEGAS$6,621.74
NELLIS AFB$6,248.03
SUN VALLEY$4,237.30
ZEPHYR COVE$4,208.43

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But now that we’ve defined the required state minimum for auto insurance and average rates by other factors, we’ll talk about what proof is required — usually called forms of financial responsibility — whenever you are out on the road.

Forms of Financial Responsibility

Every state has forms of financial responsibility, which act as proof that one meets the minimum insurance requirements for that state.

Nevada accepts both printed insurance cards and electronic proof as forms of financial responsibility. is also accepted for individuals or businesses that have a fleet of more than 10 vehicles.

Furthermore, in the event that one needs to reinstate their insurance, they may file an SR-22 with their insurance company for a lapse of insurance coverage. The SR-22 lasts a total of three years.

Nevada LIVE is a program that acts as a type of verification process for your liability requirements, as reported by the insurance company. It verifies your insurance eligibility instantly (though some new policy members may not appear right away) and is used to keep uninsured motorists off the road.

So be sure to carry proof of your insurance whenever you travel.

Premiums as a Percentage of Income in NV

YearAverage Disposable IncomeAverage Full CoveragePercent of Disposable Income

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An individual’s income per capita is the amount of money an individual has left over to save or spend after taxes. In Nevada, an average individual’s income per capita was $36,477 in 2014.

So with that disposable income, how much was used to pay for car insurance premiums?

Let’s take a look.

In 2014, Nevadans paid an average of $1,083.42 for a full comprehensive coverage auto insurance policy.

That means Nevadans spent 2.97 percent of their annual income on car insurance.

Talk about pricey. And while there was a drop in that percentage in 2014, Nevadans still paid higher than the national average for all three years.

So how does Nevada rank compared to the rest of the U.S.? Nevada is in the top 10 most expensive states when measuring the percentages of income residents paid.

Car insurance is much more expensive here than in the surrounding states, including Arizona, Utah, Oregon, California, and Idaho.

Insurance premiums have probably increased since 2014, so this is something to keep in mind if you live in, or plan to relocate to, Nevada.

Core Coverage in NV (Comprehensive, Collision, Liability)

The data from the table below is pulled directly from the National Association of Insurance Commissioners (NAIC).

Coverage TypeAverage Rate in Nevada (2015)Average Cost Nationwide (2015)

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Interestingly enough, Nevada paid higher than the national average cost for liability insurance; however, it paid less in both collision and comprehensive coverage, beating out the nation’s average for total liability by nearly $100.

Keep in mind, this data is from 2015, and insurance rates have probably increased slightly since then.

It’s also worth noting that core coverage is extremely important, but accidents do happen, so settling for the minimum amount of coverage isn’t always the wisest idea.

Additional Liability

Now let’s talk additional liability.

Loss Ratio201520142013
Medical Payments (MedPay)79.00%78.32%81.58%
Uninsured/Underinsured Motorist Coverage (UUM)98.40%107.13%101.86%

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Medpay and UUM are additional types of liability insurance individuals typically use to bulk up their for additional coverage.

MedPay negates the driver at fault. This type of coverage pays for medical expenses for you or persons injured during a traffic incident. UUM insurance pays for the victim’s injuries caused by the opposing party if they are either uninsured or underinsured.
Now that we’ve got those terms out of the way, let’s discuss loss ratios. A loss ratio represents a company’s losses to premiums earned and can display a company’s financial strength, or lack thereof.

When a company has a high loss ratio, like 90-100, for example, it could indicate the company is in distress or losing money because they are paying out more claims than they’re taking in.

An acute loss ratio, on the other hand, below 50, for example, indicates that a company is making money but not paying out their claims as often.

A loss ratio of 60-70 is considered a “safe zone” of sorts.

Nevada’s loss ratios for MedPay, though slightly on the rise, still show that the companies in the state are managing the money coming in and paying out their claims.

Buying additional liability, in this case, may be worth it. And though there was a dip in 2014 for loss ratios for UUM liability, the state is actually losing money paying out more in claims.

While these numbers may not be as fascinating, they indicate that it’s a good idea to bulk up your insurance policy, as 10.6 percent of drivers in the state lack coverage, making Nevada 29th in the nation for uninsured drivers.

While 29th is a little over the halfway mark for the rest of the nation, again, anything can happen, so being covered is extremely important.

In the next section, we’ve highlighted a few policies that many are not familiar with to provide you and your family with the most strategic approach when it comes to coverage.

Let’s take a look.

Add-Ons, Endorsements, & Riders in NV

Feel free to click and explore these add-ons to see if any may be appealing to you.

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Best Nevada Car Insurance Companies

There are hundreds of car insurance companies, and while having a variety may seem great, it often causes a headache when it’s time to choose one.

That’s why we’ve included this section. You don’t need to sift through a lot of information to discover the best companies.

We’ve got you covered.

From credit powerhouses like A.M. Best and J.D. Power, we’ve compiled the best companies according to customer satisfaction, complaints, and more.

We even note which companies give you a break for your commute time or reward you for a clean driving record.

Let’s take a look.

The Largest Companies’ Financial Ratings in NV

CompanyAM Best Rating
Liberty MutualA
State FarmA++

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A.M. Best rates companies by various metrics to display their strength or lack thereof.

Good news! Most companies in Nevada received excellent and above excellent ratings by the prestigious inspectors.

Good to know when choosing your insurer, as you’d want them to be reliable and wouldn’t want them to be in any financial or foundational trouble when putting your business in their hands.

Companies with the Best Ratings in NV

J.D. Power’s annual customer satisfaction survey is another way to measure a company’s value. Let’s take a look at the chart below.

InsurerPointsPower Circle
Allstate8263-About average
American8263-About average
CSAA Insurance Group8183-About average
Farmers8123-About average
Geico8183-About average
Liberty Mutual8133-About average
Nationwide7752-The Rest
Progressive8072-The Rest
Safeco8213-About average
Southwest Average8233-About average
State Farm8315-Among the best
The Hartford8325-Among the best
Travelers7892-The Rest

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According to this study, with the exception of USAA (a company that only services military members and their families), The Hartford ranked as the number one car insurance company for customer service in the Southwest region of the U.S.

State Farm, which also scored “among the best,” came in one point behind.

Companies with the Most Complaints in NV

Where we measure satisfaction, we must also measure dissatisfaction. It’s equally important, as it provides another lens from which to view companies so you can make the best choice for you and your family.

Let’s take a look.

CompanyNational Median
Complaint Ratio
Company Complaint Ratio 2017Total Complaints 2017
Liberty Mutual15.95222
State Farm10.441482

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The data from the table below is pulled from the NAIC.

And remember, complaints simply offer one rubric for evaluating a company’s performance.

Cheapest Companies in NV

CompanyAverageCompared to
State Average ($)
Compared to
State Average (%)
State Farm$5,792.85$991.8117.12%

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If you’re looking for a good deal and you or someone in your family is in the military, check out USAA. Otherwise, Depositors and Geico are great options, as well.

Commute Rates by Companies in NV

Is your commute short? Or does it take quite a bit of time to get to work? In some cases, companies will base your insurance rate on the duration of your commute.

Let’s dive in a bit deeper and see if this is true for any companies in Nevada.

Company 10 Miles;
6,000 Annual Mileage
25 Miles;
12,000 Annual Mileage
Allstate $5372.21 $5372.21
American Family $5365.30 $5514.60
Farmers $5589.91 $5589.91
Geico$3595.74 $3724.32
Liberty Mutual $6209.68 $6209.68
Nationwide $3474.93 $3474.93
Progressive $4048.92 $4048.92
State Farm $5620.99 $5964.71
Travelors $5349.64 $5349.64
USAA $3031.47 $3113.04

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Most companies give their customers a break based on commute times; however, State Farm, American, and Geico tend to raise rates a bit.

Coverage Level Rates by Companies in NV

Everyone begins with the basic amount of coverage. But what if you want to boost your coverage? Your rates will likely increase.

Let’s check it out.

CompanyLow CoverageMedium CoverageHigh Coverage
Liberty Mutual$5637.73$6130.66$6860.63
State Farm$5272.40$5770.83$6335.31

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American and Nationwide seem to give their customers the lowest impact on coverage change.

Credit History Rates by Companies in NV

In some states, it is illegal to base a person’s insurance rates off their credit history, but Nevada is not one of those states.

Let’s take a look at the chart.

CompanyGood CreditFair CreditPoor Credit
Liberty Mutual$4,254.31$5,442.36$8,932.36
State Farm$2,650.28$4,161.60$10,566.65

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Travelers and Progressive offer the lowest changes in rates when someone’s credit history goes from good to poor.

On the other hand, USAA, Liberty Mutual, and State Farm are less forgiving, with their rates exceeding the hundredth percentile — State Farm has the highest rate change at 298.7 percent.

Driving Record Rates by Companies in NV

Keeping a clean driving record pays off for some. Others, however, are less fortunate. Let’s take a look at how a person’s driving record could impact their rates.

CompanyClean RecordWith 1 Speeding
With 1 AccidentWith 1 DUI
Liberty Mutual$4,533.69$5,751.46$7,257.65$7,295.91
State Farm$5,262.04$5,792.84$6,323.66$5,792.84

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State Farm seems most forgiving in the event of a DUI.

Geico, Travelers, and USAA not so much, with change rates of 95.28 percent, 89.8 percent, and 85.63 percent, respectively.

Largest Car Insurance Companies in NV

A company’s market share represents the percentage of that industry that is owned by that company over a period of time.

Let’s take a look at the chart to see the largest companies in the state of Nevada.

CompanyDirect Premiums WrittenMarket Share
Allstate $214,3949.05%
American $69,9132.95%
CSAA $117,9644.98%
Farmers $207,9698.78%
Liberty Mutual $128,2005.41%
Progressive $236,95210.01%
State Farm $451,33019.06%
USAA $140,6605.94%

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State Farm is the largest insurer in the state of Nevada with a market share of 19.06 percent, followed by Geico with 14.09 percent.

Find the Cheapest Insurance in Nevada Cities

This section helps Nevada residents find affordable insurance options in cities like Henderson, Las Vegas, North Las Vegas, Paradise, and Reno. Comparing rates allows individuals to secure suitable coverage at competitive prices.

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Number of Insurers in NV

How many insurers are in the state of Nevada?

DomesticForeginTotal Number of Licensed Insurers

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First, let’s define domestic and foreign.

Domestic insurance laws are formed under the laws of the state of Nevada, while foreign insurance laws are formed under the laws of the U.S.

In total, there are 882 insurers in Nevada — a lot of options to choose from.

Explore your options and start saving on auto insurance now. Simply enter your ZIP code in the box below.

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Nevada Laws

Every state has its own distinct set of laws.

Whether you are taking a trip for the first time or just driving to and from work, being informed about state laws is pretty important.

But who has time to sift through laws and how does one know which are most significant?

Again, that’s why we’re here. No need to spend countless hours searching through a web of unlimited resources on state laws and rules of the road. We’ve done that for you.

We’ll also provide laws specific to teens, as well as information for new Nevadans and those who’ve been in the state for a while.

First, we’ll take a look at car insurance laws.

Car Insurance Laws in NV

Car insurance laws are different in each state. Let’s take a closer look at Nevada’s.

How Nevada Laws for Insurance are Determined

Nevada is currently under the prior approval law for car insurance. This simply means that car insurance companies must submit their rates to a state authority before implementing them.

Interesting, isn’t it?

Next, we’ll talk about laws regarding windshield coverage.

Windshield Coverage in NV

Imagine having a crack in your windshield while out observing the beautiful Nevadan rock mounds.

There are no specific car insurance laws regarding windshields in Nevada.

So, good news and bad news: while an insurer may not require you to patronize a specific repair shop — potentially allowing you to choose the most inexpensive option — you may have to pay the difference in the quote.

Next, we’ll talk high-risk insurance.

You don’t want to miss this.

High-Risk Insurance in NV

Some drivers are deemed higher risk, especially if they have a bad driving record and don’t qualify for coverage from traditional insurance carriers.

Fortunately, Nevada has the Nevada Automobile Insurance Plan (NVAIP). This plan looks out for high-risk drivers who seek coverage and cannot find insurance on their own.

NVAIP offers individuals the basic liability coverage for the state.

NVAIP is part of a larger initiative, the Western Association of Automobile Insurance plans (WAAIP). WAAIP puts individuals who have trouble finding insurance in contact with companies that will serve them.

To contact the Nevada Auto Insurance Plan, click here.

Low-Cost Insurance in NV

When it comes to low-cost insurance, Nevada doesn’t have a distinct plan as they do for high-risk applicants.

Currently, only California, New Jersey, and Hawaii have government-funded programs to help low-income individuals pay for their car insurance.

Automobile Insurance Fraud in NV

Insurance fraud is a serious crime.

It can be committed by the customer, for example, in exaggerating claims or staging accidents (also known as “hard crime”), or it could be committed by the insurer submitting falsified information on legal documents (also known as “soft crime”).

Either way, in Nevada, insurance fraud is illegal.

The Nevada fraud bureau is located in the state Attorney General’s office.

Depending on where you live, if you suspect any kind of insurance fraud, you can call one of the local offices  or fill out one of the following:

  1. A general complaint form
  2. An insurance company complaint

Avoiding trouble with the law is always best.

Statute of Limitations in NV

A statute of limitations is the period of time one has to bring a legal matter to court. In the state of Nevada, for bodily injury in the event of a collision, the statute of limitations is two years.

Regarding property damage in the event of a collision, the maximum time allotted is three years.

Several years may seem like a lot of time; however, given certain processing procedures and the fact that there may be long periods of turn around time from the state servicing thousands of individuals, if you have a collision, you’ll want to get things squared away as soon as possible so your insurer can take care of you.

State-Specific Laws in NV

We all know about the mandatory seat belt laws and move over laws (which we’ll be getting to in a second).

But what about laws pertaining specifically to Nevadans?

While there are some silly laws, like restrictions on riding a camel on the highway due to a nuisance issue of loose camels roaming in the 1860s, there are many more practical ones.

For instance, Nevada has a fairly new left lane law, which prohibits an individual from driving too slow in the far left lane. Of course, there are exceptions, like a driver preparing to turn left, or situations where Nevada’s unpredictable weather impacts one’s ability to adhere to the speed limit.

Vehicle Licensing Laws in NV

This next section will be dedicated to vehicle licensing laws.

We’ll go over penalties for driving without insurance, teen driving laws, license renewal procedures, and more.


We’re sure you’ve heard the phrase “REAL ID” buzzing around lately.

Check out this video from the Nevada DMV, which outlines the process of getting a REAL ID in this particular state.

For more information about the REAL ID, click here.

Penalties for Driving Without Insurance in NV

Again, driving without proper insurance coverage is illegal.

Here are the consequences if you are found to be uninsured in the State of Nevada for the first offense.

  • Fine: $250 to $1,000, depending on length of lapse
  • Registration suspension: until payment of reinstatement fee, and, depending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days
  • Reinstatement fee: $250

And for the second offense:

  • Fine: $500 to $1000 depending on length of lapse
  • Registration suspension: until payment of reinstatement fee, and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days
  • Reinstatement fee: $500

So be sure you always carry proof of insurance.

Teen Driver Laws in NV

According to IIHS, teens can begin their driving training at 15 and a half years old.

Take a look at the stages below to view more laws about teen driving and restricted license laws.

Read More: How to Teach Your Teen to Drive

Learner Stage

  • Mandatory holding period: 6 months
  • Minimum amount of supervised driving: 50 hours, 10 of which must be at night (none with defensive driving course)
  • Minimum age: 16

Intermediate Stage: Restrictions on Driving While Unsupervised

  • Unsupervised driving prohibited: 10 p.m.-5 a.m. (secondary enforcement)
  • Restriction on passengers (family members excepted unless otherwise noted): no passengers younger than 18 (secondary enforcement)
  • Nighttime restrictions: In place until age 18

Unrestricted Stage: When Restrictions May Be Lifted

  • Passenger restrictions: After 6 months or at age 18, whichever occurs first (minimum age: 16 and a half.)

Older Driver License Renewal Procedures in NV

Nevadans 65 years and older are required to renew their licenses every four years. Proof of an adequate vision screening must be provided for those 71 years old and older at every renewal.

The renewal can be done either by mail or online (every other renewal) for people 65 years and older.

Some driving restrictions may apply, like limited night and freeway driving, for instance.

New Residents in NV

If you’re a new Nevadan or plan to be in the near future, congratulations!

According to the DMV new residents have 30 days to file for a new license or they are susceptible to a $1,000 fee — and we don’t want that.

Once you provide proof of residency, you can begin the transfer process. Details are outlined here. Find your nearest DMV to make an appointment.

License Renewal Procedures in NV

Now, let’s get to the general population.

Drivers without age restrictions renew every four years for those with odd-numbered birth years and every eight years for those with even-numbered birth years.

For all licenses starting in 2018, drivers renew every eight years.

We hope that wasn’t too confusing.

Proof of an adequate vision test is still required when applying in person. Mail or online renewal is permitted every other renewal — this is only available for holders of a four-year license.

Now that we all have our licenses, let’s talk about a more sobering matter.

Negligent Operator Treatment System (NOTS) in NV

To deter drivers from being reckless on the road and to protect everyone’s safety, Nevada operates on a demerit point system.

Let’s say you engage in reckless behavior on the road. The conviction is entered into your record after the court notification, and you receive demerit points.

When you receive 12 or more points in any 12-month period, your driver’s license is automatically suspended for six months.

You may be sentenced to traffic school, which, in some cases, may give you a reduction of several points on your record.

For a list of offenses and point values, visit the state’s Demerit Point System page.

Rules of the Road in NV

Nobody likes a ticket or a violation on their record.

In this section, we’ll go over the seat belt and car seat laws, speed limits, and other regulations, like move over laws, to keep you well-informed on whatever journey you happen to make through Nevada.

Fault vs. No-Fault in NV

Nevada is a “fault” state. This simply means that the driver determined at fault is responsible for damages or injuries.

This differs from a “no-fault” state, wherein drivers do not have to prove who is responsible for a collision and insurance coverage does not depend on fault.

Next, we’ll cover seat belt and car seat laws.

Stay with me.

Seat Belt & Car Seat Laws in NV

Seat belt laws were enacted in Nevada in 1987. They are extremely important, as seat belts often act as the first line of defense when it comes to preventing injuries in a collision.

In the state of Nevada, regarding seat belts, all individuals six years and older must be secured in all seats. A maximum base fine of $25 applies when you are caught without your seat belt.

And we don’t want that.

But what about when it comes to child seat belt regulations?

Child Seat Belt Law

  • Must be in child safety seat: five years and younger and 60 pounds or less
  • Adult belt permissible: not permissible
  • Maximum base fine 1st offense, additional fees may apply: $500
  • Preference for rear-seat: preference for rear seat

Interestingly enough, rideshare services like Uber and Lyft are held to taxi-cab regulations in the state of Nevada and are not subject to the same laws regarding car seats, which recently sparked a debate in the state.

Again, seat belts and car seats are the most significant defense mechanisms against injuries in a collision, so be sure to keep the little one buckled up, under all circumstances.

According to IIHS, Nevada also has limits for riding in cargo areas.

Now let’s discuss keep right and move over laws.

Keep Right & Move Over Laws in NV

In Nevada, the law says you must keep right if you’re driving slower than the average speed of traffic around you. Remember, it is now against the law in Nevada to drive slow in the left lane.

Here is a video explaining Nevada’s move over law:

As stated in the video, you may receive a citation if you don’t move over. This law also covers moving over when approaching a vehicle in distress, which is meant to reduce the risk of fatalities.

Let’s follow this simple law to save lives and prevent citations.

Speed Limits in NV

For the state of Nevada, the following speed limits are enforced:

  • Rural interstates: 80 mph
  • Urban interstates: 65 mph
  • Other limited-access roads: 70 mph
  • Other roads: 70 mph

Ridesharing in NV

Ridesharing refers to Transportation Network Companies (TNCs) like Uber and Lyft.

If you are an employee of a TNC, you’ll need ridesharing insurance, which should meet the state’s minimum coverage requirements, as outlined earlier.

If you need ridesharing insurance, try calling these providers:

  • Allstate
  • Mercury
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Automation on the Road in NV

Automation refers to any service in a vehicle that was once done by hand but is now performed by a computer. Nevada, in fact, was first on the scene when it came to autonomous vehicles and still leads the way today.

Check out the video:

In Nevada, a company or person seeking to test an automated vehicle must have $5,000,000 of liability insurance; an “autonomous vehicle network company” must have $1,500,000.

While we may be able to escape the rigors of driving a car by hand, there’s no escaping liability insurance.

Great strides nonetheless, Nevada.

Safety Laws in NV

We’ve discussed some standard laws of the past, as well as some that are just now emerging with ridesharing and automation.

Still, there are thousands of individuals every year who get penalized for laws that affect public safety: DUI laws, marijuana-impaired driving laws, and distracted driving laws, for example.

DUI Laws in NV

Here is a quick overview of DUI laws in the state of Nevada.

DUI Law in NevadaDetails
Name of OffenseDriving Under the Influence (DUI)
BAC Limit0.08
High BAC Limit0.18
Criminal Status by Offense1st-2nd misdemeanors, 3rd+ in 7 years category B felonies
Look Back Period7 years

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In Nevada, it is illegal to drive if your blood alcohol concentration (or BAC) is .08 percent or more. But what if those terms are violated? What are the consequences?

Take a look at the chart below.

Offense NumberALS or RevocationImprisonmentFineOther
1st90 days; elegible for restricted license after half of revocation period2 days - 6 months OR 96 hours community service$400-$1000SR-22 for three years; pay $150 for DUI school; may be ordered to attend treatment program
2nd1 year, not elegible for restricted license10 days to 6 months of jail or residential confinement$750-$1000possible vehicle registration suspension, may be ordered to attend treatment program or be placed under clincial supervision of treatment facility for up to one year
3rd3rd in 7 years: 3 years, restricted license may be issued3rd in 7 years: 1-6 years3rd in 7 years: $2000-$5000possible vehicle registration suspension; may be ordered to attend a program of treatment for 3 year min
4thif 4th in 7 years, same as 3rd

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Knowing these limitations and consequences should be enough to keep you on the straight and narrow (literally) when driving on the road. Especially given the fact that there were 10,874 alcohol-impaired driving fatalities in 2017 in the US alone.

Very sobering.

Marijuana-Impaired Driving Laws in NV

Marijuana is another substance that could impact your driving abilities.

While marijuana is legal in the state of Nevada, being impaired while on the road is not.

Two nanograms of THC per se is allowed, however, according to

Distracted Driving Laws in NV

Distracted driving can be defined as anything prohibiting or interrupting your focus when driving. Some examples of distracted driving are eating while in the car or doing one’s makeup.

The most notorious form of distracted driving is texting and driving, which takes many lives each year.

In fact, in the state of Nevada, there is an all handheld device ban for all drivers. And while there isn’t a law instituted specifically for young drivers just yet, there is a texting ban for all drivers in the state of Nevada.

Currently, lawmakers are even discussing how to access one’s smartphone data post-collision to crack down on offenders. Take a look.

Stay focused. It could save your life, and someone else’s as well.

Driving Safely in Nevada

Now that we’ve covered a good portion of Nevada’s laws, it’s time to see how we can drive safely through the Silver State.

Having access to practical data could be life-saving. For instance, which roads are the most dangerous? Which counties have the most crashes? What kinds of accidents are most common?

But often that data is hard to come by.

Look no further.

We’ll be answering these questions and more with help from the National Highway Traffic Safety AdministrationResponsibility.orgData USA, the FBI, and Inrix.

We’ll also bring you statistics and information on transportation and congestion.

Keep reading to see how this practical data could impact your everyday driving life.

Vehicle Theft in NV

Did you know there is data about the vehicles most commonly stolen in each state?

Let’s see what those are for Nevada.

Honda Accord19961,048
Nissan Maxima1997208
Nissan Altima1997207
Honda Civic19981,011
Dodge Pickup (Full Size)2005148
Chevrolet Pickup (Full Size)2006377
Ford Pickup (Full Size)2006279
Nissan Sentra2014200
Toyota Corolla2014151
Toyota Camry2015254

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The Honda Civic and Honda Accord were the most stolen vehicles in Nevada in 2016, with 1,048 and 1,011 thefts respectively.

The FBI also has a list of total vehicle thefts in 2017 by city.

CityMotor Vehicle Thefts (2017)
Boulder City20
Las Vegas Metropolitan Police Department8,186
North Las Vegas1,321
West Wendover14

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According to the data, the Last Vegas area had the most thefts, which isn’t surprising, seeing as it’s a popular and highly-populated city. The second-highest number of car thefts occurred in Reno, also a popular and populated locale.

Road Fatalities in NV

Unfortunately, fatal accidents happen every day.

We’ve compiled some data that might prove useful, in hopes of educating you and possibly preventing road fatalities. Understanding what factors cause fatal accidents and where these accidents occur is super important, especially if you’re driving through Nevada on a daily basis.

Most Fatal Highway in NV

What’s the most fatal highway in the state?

According to, it’s the I-80. It has 15 fatal accidents a year.

Fatal Crashes by Weather Condition & Light Condition in NV

In some states, weather conditions play a big part in collisions on the road.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal

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Interestingly enough, most accidents in Nevada occur in broad daylight.

Fatalities (All Crashes) by County in NV

The table below shows fatal crashes by county in Nevada.

2015201620172018Fatalities Per 100,000 Populations
Carson City527329.243.712.935.493.61
Churchill County4586416.7920.8933.5225.0116.37
Clark County1742102172082208.4710.0110.149.539.86
Douglas County3751126.3314.7610.4522.914.13
Elko County1312891024.7423.1915.3517.1919.06
Esmeralda County35344363.64602.41363.2474.5484.26
Eureka County54100251.51197.1451.6500
Humboldt County10853458.084729.7817.9623.83
Lander County3533250.2384.9852.6753.5335.87
Lincoln County3410557.7377.8719.4096.14
Lyon County1271101223.3713.471.918.5521.5
Mineral County02412045.2391.3222.4544.31
Nye County121169142825.5913.8620.4330.87
Pershing County4112359.6515.115.1930.945
Storey County2220152.5951.5750.1024.82
Washoe County38375040448.718.3611.118.759.45
White Pine County04721040.5872.0120.8410.55

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Clark County, home of Las Vegas, led the pack by far each year. And although it saw a dip in the number of fatal crashes in 2017, the number increased in 2018.

So if you’re living in this county, it would be best to stay extra aware while driving.

Traffic Fatalities in NV

Usually, more fatal crashes occur in rural environments, as EMS services are limited in these areas.

Road Types2009201020112012201320142015201620172018

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That happens to be the case for Nevada. And although fatalities in its urban areas took a dip in 2017, they’ve been on a steady rise and increased in 2018.

Fatalities by Person Type in NV

There is also data available on which types of transport are more likely to cause a fatal collision.

Person Type20142015201620172018
Bicyclist and Other Cyclist810698
Large Truck25733
Light Truck - Other13100
Light Truck - Pickup2028222223
Light Truck - Utility3241363140
Light Truck - Van49788
Passenger Car88968783101
Other/Unknown Nonoccupants17375
Other/Unknown Occupants14634
Total Motorcyclists6355745459
Total Nonoccupants80838910792
Total Occupants148188166150179

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In the case of the Silver State, passenger cars were the cause of most fatalities, followed by pedestrians and light utility trucks respectively.

Fatalities by Crash Type in NV

What about the causes of different types of crashes in Nevada?

Crash Type20142015201620172018
(1) Single Vehicle172193190174182
(2) Involving a Large Truck1727293724
(3) Involving Speeding1001121269592
(4) Involving a Rollover8692857174
(5) Involving a Roadway Departure121152123107114
(6) Involving an Intersection (or Intersection Related)8889108105105
Total Fatalities (All Crashes)*291326329311330

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Most are caused by a single passenger vehicle, followed by crashes involving a roadway departure.

Good to know when you are driving through Nevada daily.

Five-Year Trend For the Top 10 Counties in NV

Below we have the five-year fatality trends for the largest counties in the state of Nevada.

Let’s take a look.

Elko County24.7423.1915.3517.1919.06
Esmeralda County363.64602.41363.2474.5484.26
Humboldt County58.084729.7817.9623.83
Lander County50.2384.9852.6753.5335.87
Lincoln County57.7377.8719.4096.14
Lyon County23.3713.471.918.5521.5
Mineral County045.2391.3222.4544.31
Nye County2825.5913.8620.4330.87
Pershing County59.6515.115.1930.945
Storey County52.5951.5750.1024.82

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By far, Esmeralda County saw the most fatal crashes. And although its fatality numbers took a dramatic dip in 2016, they’ve been on a steady rise ever since.

Fatalities Involving Speeding by County in NV

Speeding is also a major cause of fatalities on the road.

County NameFatalities
2015201620172018Fatalities Per 100,000 Population
Carson City402207.3903.693.660
Churchill County3122112.594.188.388.344.09
Clark County64799468703.123.774.393.113.14
Douglas County0122002.114.184.170
Elko County8232515.223.865.763.829.53
Esmeralda County21021242.42120.480237.25121.07
Eureka County0000000000
Humboldt County04202023.511.91011.91
Lander County2211033.4833.9917.5617.840
Lincoln County1200019.2438.93000
Lyon County510359.741.9205.568.96
Mineral County002100045.6622.450
Nye County441329.339.32.316.814.41
Pershing County0000000000
Storey County1110026.325.7925.0500
Washoe County61416851.373.163.551.751.07
White Pine County0001100010.4210.55

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Clark County, home to Las Vegas, leads the list with the highest number of speeding fatalities.

Pershing County has had zero speeding fatalities every year since 2014.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County in NV

Alcohol-impaired driving causes numerous fatalities as well, unfortunately.

2015201620172018Fatalities Per 100,000 Populations
Carson City111001.851.851.8500
Churchill County00200008.3800
Clark County54695861652.633.292.712.792.91
Douglas County0112002.112.094.170
Elko County7424413.327.733.847.647.62
Esmeralda County010110120.480118.62121.07
Eureka County1000050.30000
Humboldt County2210111.6211.755.9605.96
Lander County001100017.5617.840
Lincoln County1000119.2400019.23
Lyon County510239.741.9203.715.38
Mineral County001010022.83022.15
Nye County62413144.659.242.276.62
Pershing County3101044.7415.1015.450
Storey County1120026.325.7950.100
Washoe County1114271782.523.1663.721.72
White Pine County002010020.57010.55

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Eureka County had fewer alcohol-impaired fatalities than any other county in the state.

Teen Drinking & Driving in NV

Teen drinking and driving continues to be a crisis in the U.S.

Teen Drinking and DrivingNevadaNational
DUI Arrest (Under 18 years old)58102.82
DUI Arrests (Under 18 years old) Total Per Million People85.6294.84
Under 21 DUI fatalities for 100,000 population1.21.2

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Nevada ranked 25th in the U.S. for under-18 DUI arrests. And according to, Nevada had 1.2 deaths per 100,000 people due to alcohol-impaired driving, which matches the national average.

EMS Response Time in NV

The National Highway Traffic Safety Administration (or NHTSA) outlines the process of EMS response from the moment they receive a call to the moment they arrive at the hospital.

EMS Response TimeTime of Crash to
EMS Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to
Hospital Arrival

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The timespan from EMS call to hospital arrival for rural areas was dramatically longer than that of urban areas, although the time it took to get individuals from the crash scene to the hospital was pretty close for these two settings.

Transportation in NV

Lastly, how many cars do Nevadans own? And how long do they spend commuting?

We’ll answer these questions next.

Car Ownership in NV

According to DataUSA, if you live in Nevada, chances are you own two vehicles, with one vehicle being the next most likely response.

Commute Time in NV

Regarding commute times, the average Nevadan spent 23.2 minutes driving to work in 2017, a shorter commute than the U.S. average, which was 25.5 minutes.

Commuter Transportation in NV

And how did Nevadans get to work?

The most common method of travel was driving alone (78.5 percent), followed by those who carpooled and those who worked from home, at 9.8 percent and 4.3 percent, respectively.

Traffic Congestion in NV

CityWorld RankHours Lost in CongestionCost of Congestion Per DriverInner City Travel Time (Minutes)Inner City Last Mile Speed (mph)
Las Vegas16063$883416

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Both Las Vegas and Reno ended up on the U.S. ranking chart of most congested cities in the world, coming in at 160 and 202, respectively.

Keep in mind, this is a ranking of the entire world, so two Nevadan cities appearing on the list means the state has some pretty heavy traffic.

Often called “car-nados” in Nevada, heavy traffic situations are closely monitored by the state and regulated by law officials in order to keep things flowing smoothly on the road.

And there you have it.

Our complete comprehensive car insurance guide for the state of Nevada.

Did we miss anything?

We hope that you found this guide extremely useful.

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