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Nevada Car Insurance

Whether you’re embarking on a weekend journey along the Lamoille Canyon Scenic Byway or commuting to your workplace, Amica's high-quality car insurance provides you with peace of mind on the road.

Amica offers customized Nevada car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Auto insurance requirements in Nevada

In Nevada, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $20,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you’re responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering, and lost wages. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitation and exclusions. 

Property damage liability coverage: This is coverage for damage to someone else's property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitation and exclusions. 

In addition to the minimum liability coverage requirements, Nevada mandates coverage for uninsured motorist bodily injury, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you’re hurt in a car accident and the responsible party either doesn’t have insurance, or doesn’t have enough insurance.

It’s important to understand that these are just the minimum requirements, and Nevada drivers may choose higher coverage limits for added protection.

Additional Nevada car coverage considerations

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Nevadans might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Uninsured motorist property damage coverage: This insurance protects your vehicle in the event it’s damaged in an accident caused by an uninsured driver or a hit-and-run driver who cannot be identified. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your lease or loan and the current value of your vehicle if it’s totaled in a covered accident. 
  • Roadside assistance: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your vehicle unstuck from the mud or snow.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

What affects your Nevada car insurance rates

There are several factors that impact auto insurance in Nevada, including individual circumstances, location, weather patterns and more. Consider these key points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Nevada drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums.
  • Coverage options and limits: Opting for the state-mandated minimum coverage is usually less expensive, while adding optional coverages with higher limits will increase protection and premiums.
  • Vehicle type: Factors such as the make and model of your vehicle, its safety rating, and repair costs all influence your car insurance premiums in Nevada.
  • Claims in Nevada: Insurance rates may be influenced by the frequency and severity of claims filed within the state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Nevada.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Nevada auto insurance discounts for more savings

Amica offers various auto insurance discounts to help Nevada drivers save more money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defense driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Nevada policy premium up front.

If you’re a Nevada driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save up to 20% with a multiline discount.1

Facts and figures about Nevada

Fun facts about Nevada:

  • Highway 50 in Nevada, dubbed the "Loneliest Road in America" by "Life" magazine in 1986, has few stops along its 287-mile stretch between Ely and Fernley.2
  • Elko hosts the annual Cowboy Poetry Gathering, an event held for over 30 years. For a week, attendees enjoy discussions on music, dancing, art, film and more.2
  • Although Nevada is geographically located to the east of California, traveling from Los Angeles to Reno involves driving in a westerly direction.2

Facts about driving in Nevada:

  • Nevada allows drivers to show proof of insurance using a mobile device, making it easier to carry documentation.3 
  • Due to the extensive rural regions in Nevada, many counties are exempt from vehicle emissions testing.3
  • DMV Now kiosks enable Nevada residents to renew their registration, print their driving history and access additional services.3

How to get car insurance in Nevada

We’re here to guide you through the process of personalizing your car insurance in Nevada. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Nevada drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Nevadans can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 Nevada Facts and Trivia
3 Nevada Department of Motor Vehicles
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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