Nevada Insurance Requirements

Nevada requires liability insurance on every registered vehicle, at minimum limits of 25/50/20. The state verifies coverage electronically, so a lapse is noticed whether or not you are ever pulled over.

Source: NRS 485.185 (owner's obligation to maintain security for a motor vehicle registered in Nevada), with the minimum amounts set in subsection 1. · Verified Aug 2026

Nevada requires at least $25,000 of coverage for bodily injury to or death of one person in a single crash. Drivers usually see the state minimum written as 25/50/20, and this is the first of those three numbers.

Source: NRS 485.185(1): liability coverage "(a) In the amount of $25,000 for bodily injury to or death of one person in any one crash; (b) Subject to the limit for one person, in the amount of $50,000 for bodily injury to or death of two or more persons in any one crash; (c) In the amount of $20,000 for injury to or destruction of property of others in any one crash." · Verified Aug 2026

At least $50,000 covers bodily injury or death when two or more people are hurt in one crash. This is the middle number in Nevada's 25/50/20 minimum, and it sits on top of the per-person limit rather than replacing it: no single person can draw more than the $25,000 per-person cap out of it.

Source: NRS 485.185(1): liability coverage "(a) In the amount of $25,000 for bodily injury to or death of one person in any one crash; (b) Subject to the limit for one person, in the amount of $50,000 for bodily injury to or death of two or more persons in any one crash; (c) In the amount of $20,000 for injury to or destruction of property of others in any one crash." · Verified Aug 2026

At least $20,000 covers damage you do to other people's property in one crash, the last number in Nevada's 25/50/20 minimum. It pays for what you hit, never for your own vehicle.

Source: NRS 485.185(1): liability coverage "(a) In the amount of $25,000 for bodily injury to or death of one person in any one crash; (b) Subject to the limit for one person, in the amount of $50,000 for bodily injury to or death of two or more persons in any one crash; (c) In the amount of $20,000 for injury to or destruction of property of others in any one crash." · Verified Aug 2026

conditional

Source: NRS 690B.020(1): no motor vehicle liability policy may be issued in Nevada unless uninsured and hit-and-run vehicle coverage is included, EXCEPT where the named insured rejects it in writing on a form furnished by the insurer. Coverage must be at least the chapter 485 minimum bodily-injury limits (NRS 690B.020(2)). Recorded as "conditional" rather than yes or no because the coverage is mandatory by default and only removed by an affirmative written rejection; a flat "no" would wrongly suggest it is an ordinary optional add-on. · Verified Aug 2026

An SR-22 is a certificate your insurer files with the DMV proving you carry at least the state minimum liability coverage. Nevada does not demand one from every driver who has been suspended, but the list is wider than most people assume. Proof is required whenever the DMV restores a driving privilege that had been revoked, which makes a DUI or illegal-per-se revocation the common case but not the only one. It also attaches when a registration is suspended for a long enough lapse in liability coverage, when you are in a crash while uninsured and cannot show you are clear of liability, when you are allowed to keep driving despite an unsatisfied judgment against you, and when you let an SR-22 you already owe lapse. On the lapse side the length matters. A first or second lapse triggers a filing only once it reaches 91 days; shorter lapses cost you fees and fines but no filing. On a third lapse within five years, any lapse at all triggers a three-year SR-22 plus a minimum 30-day license suspension. The crash case turns on damage: a crash causing injury or death, or more than $750 in property damage to one person, puts you in the security process unless you are released from liability. Two details trip people up. The filing is made by your insurance company, not by you. And the clock runs from reinstatement, not from the date of the offense or the start of the revocation, so you carry it for three years after you get your privilege back.

Source: NRS 485.307(2): "Whenever the Department restores a license, permit or privilege of driving a vehicle in this State which has been revoked, no motor vehicle may be or continue to be registered in the name of the person whose license, permit or privilege was revoked unless proof of financial responsibility is furnished by that person." NRS 485.307(1) makes the filing a certificate under NRS 485.308/485.309, filed by the insurer. NRS 485.3075: proof is required "before the person's license or registrations will be reinstated", and "The person must maintain proof of financial responsibility for 3 years after the date of the reinstatement of his or her license." The same three-years-after-reinstatement clock appears at NRS 485.302(2) (judgment debtor) and NRS 485.326(2) (conviction for driving uninsured). NRS 485.190(1)-(2) sets the uninsured-crash security case at "bodily injury or death, or damage to the property of any one person in excess of $750" absent a release from liability. Lapse thresholds from Nevada DMV, Insurance Requirements, "Penalties & Fines" tables (https://dmv.nv.gov/insurance.htm, read 2026-08-11): 1st Offense and 2nd Offense Within Five Years show SR-22 "3 Years" only in the 91-180 Days and 181 Days or More rows; 3rd Offense Within Five Years shows SR-22 "3 Years" and "Min. 30 days" suspension from the 1-30 Days row onward. NRS text read 2026-08-11 at https://www.leg.state.nv.us/NRS/NRS-485.html. · Verified Aug 2026