Nevada

Insurance Requirements

Nevada requires that automobile liability insurance policies carry minimum coverage of $15,000 for bodily injury or death of one person in any one accident; $30,000 for bodily injury or death of two or more persons on any one accident; and $10,000 for injury to or destruction of property of others in any one accident.

Coverage must be validated by an insurance company authorized to do business in the State of Nevada. 

Nevada LIVE verification applies only to liability insurance. Comprehensive, collision and other coverage is not reported to DMV.

You must present a Nevada Evidence of Insurance card to register your vehicle. The card must be presented at most registration transactions: first-time, renewals, reinstatement and license plate changes. It must be carried in your vehicle at all times and presented to any law enforcement officer upon request.

Sometimes when you purchase new insurance or renew your policy, the policy number changes and/or the insurance company name changes. These changes must be reported to DMV as soon as possible. Use the Online Update. You or your agent need to report:

  • The insurance company’s name (enter exactly as it is on the card),
  • The policy number (enter exactly as it is on the card),
  • The effective date, and
  • The termination or expiration date.

Nevada has no grace period. A one day lapse in your insurance coverage will result in a possible suspension of your registration. The minimum penalty is a $251 reinstatement fee. See Penalties.

Motor Carriers

Higher liability insurance requirements apply to Motor Carriers (any person or business which transports people or property for hire). For more information, ask your insurance agent or contact our Motor Carrier section. See also our Vehicles in Business guide and Nevada Administrative Code Chapter 706

Self-Insurance

Persons or businesses who have more than 10 vehicles may qualify as a self-insurer. See Fleet Registration/Self-Insurance and Nevada Revised Statutes Chapter 485.

How Nevada LIVE Works

Nevada LIVE validates your coverage with insurance companies via a secure Internet connection. The company will respond instantly with whether the insurance coverage is active. The DMV verifies coverage at the time you register your vehicle and periodically throughout the year.

Newly-issued policies may not be validated immediately if the policy has not been processed. You should check back using the Insurance and Registration Status Inquiry to ensure the listing is completed.

Individual agents cannot send insurance information; it must come from the company’s corporate office.

Reported information includes Vehicle Identification Number, the name(s) of the insured, The policy's effective dates, expiration/termination dates and the insured's Nevada driver license or business FEIN number.

It is important the name(s) on your insurance and vehicle registration match. If you change the name on your insurance, you must also change the name on your vehicle registration. At least one person's or business name on the registration must match a named insured on the policy.

An operator policy may be used in lieu of owner’s policy of liability. Each registered owner of the vehicle must maintain an operator policy in order to meet Nevada’s requirement for liability insurance.

Canceling Your Insurance or Registration

If you drop the liability insurance on any vehicle for any reason, you must first cancel the registration and surrender the license plates.

If you cancel your insurance, it is extremely important for you to do the following:

  • If you cancel your insurance because your vehicle is not in use, you must first cancel your Nevada registration. You may cancel your registration online through MyDMV.
  • If you sell your vehicle, you must remove the license plates, then cancel your Nevada registration. The license plates do not stay on the vehicle.
  • You will receive credit toward registration of another vehicle for the unused portion of the canceled registration. You may qualify for a refund under certain limited circumstances.
  • If you have personalized plates and wish to keep them, you may do so by bringing the rear plate to the DMV and scraping off the decal in person.

See Plate Surrender/Registration Fee Refunds for more details.

Contact Us

Department of Motor Vehicles
Nevada LIVE
555 Wright Way
Carson City, Nevada 89711-0800

Email

(775) 684-4850 Reno/Sparks/Carson City
(702) 486-8696 Las Vegas Area
(800) 344-0483 Rural/Toll Free
(775) 684-4904 TDD (Hearing Impaired only)
(775) 684-4543 Fax (Nevada LIVE only)