Auto Insurance Minimums for Nevada

In the state of Nevada, drivers are required by law to have minimum liability insurance coverage of 15/30/10. This ratio translates into $15K of Liability Bodily Injury coverage per person, $30K of Liability Bodily Injury coverage per accident, and $10K of Property Damage coverage.  The Nevada Insurance Commissioner recommends that you purchase more than this in addition to uninsured/underinsured motorist protection(UM/UIM).  While this may seem like a lot, it really isn’t much especially if you take the time to shop around for auto insurance quotes; you’ll find something reasonable that suits your needs this way.

UM/UIM is strongly suggested because approximately 15% of Nevada motorists are uninsured.  This equates to 223,190 drivers that defy state law and does not include the thousands of others that are inadequately covered.  Fortunately there are laws in place to punish irresponsible drivers.

If you are caught driving without car insurance in Nevada, you will have your vehicle registration suspended.  You have twenty days to pay a $250 fine and reinstate your registration or you’ll have to surrender your plates.  Keep in mind that this is the minimum punishment.

Purchasing car insurance is simple.  Using resources like Save Today you can easily find reasonably priced auto insurance quotes.  The average cost for car insurance in Nevada is $1,895 per year, which isn’t much when you consider the potential emotional and financial struggle of the alternative. 

Nevada DUI Law

There are about 268 accidents caused by drunk driving in Nevada every year. As a result, Nevada has been taking strides to curb these disturbing numbers by combining alcohol, illegal drugs and prescription drugs in the same category for DUIs. If a driver is arrested while intoxicated as a result of any of these substances, they will have their license suspended, will face fines, and may serve time in jail.

The blood alcohol content limit (BAC) in Nevada is 0.08%. If a driver has this level or higher they will be arrested. Furthermore, if a driver has a BAC level of 0.15% or more they may face additional charges/sentencing. They may also face additional sentencing if they are under the influence of illegal drugs.

If you are arrested for a DUI in Nevada, your license will be suspended for 3 months. After 45 days of license suspension, you may apply for a limited license. Fines for drunk driving range from $100 to $1,000.

Nevada Teen Driving Laws/Auto Insurance Requirements

In order to prevent teen accident-related deaths, Nevada follows the Graduated Driver Licensing (GDL) training system starting at 15 years old. The GDL system requires teens to complete three steps: Driver education, obtaining an instruction permit and then finally, obtaining a full, unrestricted license.

Driver education for Nevada teens basically entails a driver’s education course, which may be offered at a public school or through a certified professional driving school. You must be at least 15 in order to attend driver education courses. At 15 and a half, teens may obtain an instruction permit by passing a vision and knowledge test.

Once an instruction permit is issued, teens must complete 50 hours of driving training (behind the wheel) including ten hours at night. Hours must be documented using a DMV beginning driver experience log. Teens in rural areas must complete 100 hours.

In order to obtain full licensure, teens must complete the permit phase while keeping a clean driving record for six months, and they must be at least 16 years old.
Teens caught driving with a BAC of 0.02% or higher will be arrested, have their license suspended for 90 days, and may have their vehicle impounded. It is against the law to refuse a chemical test in Nevada.

Although teens are only required to be covered by the same minimum insurance requirements as their parents, it is highly recommended that teens carry more insurance than the minimum, due to their higher accident rates.