Car insurance in Nevada
Minimum requirements and how to get cheap auto insurance in Nevada
Minimum requirements and how to get cheap auto insurance in Nevada
If you live in Nevada or you’re planning to move there, you’ll want to know about getting car insurance that meets your own wants and needs and meet the legal requirements in Nevada. Read on to learn more about the kind of coverage you’ll need, what some of your options might be and how the state’s laws can impact you behind the wheel.
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Nevada comes in right at the national average for car insurance costs, ranging from $1,250 to $1,400 annually for most drivers. If you’re seeking standard auto insurance in Nevada and you’re older than 25, you can expect your costs to fall within this range.
However, because so many individual factors contribute to calculating insurance costs, your annual bill could also fall well outside of that range.
Looking for some ways to save money on your auto insurance in Nevada? No matter what state you’re in, you can follow general tips to lower your premiums and get a better value out of your coverage.
To drive in Nevada, you’ll need to have insurance coverage that includes:
Some states require drivers to purchase additional coverage for uninsured or underinsured motorists, but Nevada is not one of them.
When you’re shopping for car insurance, you might see these numbers written as 15/30/10. However, these minimums will be raised to 25/50/20 on July 1, 2018, so prepare to update your insurance.
According to the Insurance Research Council, roughly 10.6% of drivers on the road in Nevada were uninsured in 2015. While this is slightly less than the national average of 13%. Consider looking into uninsured or underinsured motorist insurance to better protect yourself in case of an accident where the other driver doesn’t have proper coverage.
You’re probably in for a ticket and a fine, at the least; recurring offenses can get your license suspended or revoked, or even land you with an SR-22 filing. If your car insurance has lapsed for one to 30 days you can expect:
In Nevada, how long it’s been since you last had insurance plays a big part in your fine or possible sentencing when you get caught driving without coverage. If it’s been less than 30 days, the fines are as stated above — but the costs can double or even triple within a six-month period of letting your coverage lapse, and even on your first offense you can wind up with a mandated SR-22 filing.
If your insurance provider allows for it, you can display proof of coverage on the screen of a smartphone or tablet when requested by a police officer. A paper copy of your insurance card is also acceptable.
Yes, you can. You might need coverage for a short period for a borrowed car or rental car. It’s perfectly legal to purchase short-term car insurance for less than six months, but most insurance companies won’t offer this option.
Your best bet might be to call your current insurance provider or look into an online provider to find out your options. You might want to look for a policy that lets you cancel for no or low fees, and transfer to a more long-term option when you’re ready.
Nevada has the same laws as other state when it comes to blood alcohol content limits for drivers — 0.08% for standard motorists, and 0.04% for commercial drivers. Below are the criminal penalties toexpect when charged with driving under the influence (DUI) in Nevada.
Yes, you can. You might need an SR-22 document if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 is a certificate that your car insurance provider files with your state’s DMV or other authorities to let them know you have the minimum coverage required to get back behind the wheel.
Car accidents can be unsettling, even small fender benders. Stay calm and follow these steps to keep your process as simple and safe as possible.
Nevada is an at–fault, or tort, state. That means that if you’re found to be at–fault for an accident, you’re required to pay for the damages, including any potential medical bills to those injured. Victims have the right to further pursue compensation for lost wages and any “pain and suffering” caused by the accident.
If anyone is killed, if there is an injury or if there is property damage greater than $750, you’re required to report the accident to local law enforcement. If you don’t have to call law enforcement, you’ll still need to complete a Report of Traffic Crash within 10 days of the accident. If you fail to do so, you may have your license suspended.
Car insurance is both legally required and usually the best way to protect yourself and your vehicle if an accident ever occurs. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
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