Nevada, the driest state in the nation, is home to the oasis in the desert: Las Vegas. The Vegas Strip, Lake Tahoe and the Sierra Nevadas are some of the internationally-acclaimed attractions that bring visitors from all over the world. Desert camping to mountain skiing and wake boarding to ice skating, Nevada knows how to keep its residents entertained. CheapCarInsurance.net knows how to keep Nevada’s drivers protected, and this list of useful car insurance information makes it that much easier.
Car Insurance Quotes for Nevada
Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.
Average Car Insurance Premiums
Consistently above the national average, NAIC.org indicates Nevada’s car insurance premiums reached a record high in 2006. On the other hand, the state’s average premiums as a percentage of income hit an all-time low in 2008. Currently, the percentage of income rates are well above the national average.
Drunk Driving Fatalities
On a steep increase, Nevada’s drunk driving fatalities have risen above the national average with a dip below in 2013. The National Highway Traffic Safety Administration revealed that Nevada’s drunk driving-related fatalities rose 13 percent between 2010 and 2012.
Vehicular Theft in Nevada
Nevada’s vehicle thefts exceed the national average’s by a wide margin and have remained fairly consistent since 2012.
LAWS & REGULATIONS
Nevada highways can help drivers unwind and make them feel like they are a million miles away. By combining all the necessary information for Nevada drivers in this easy-to-use article, all the time has been saved to let Nevadans unwind on the road.
Minimum Requirements for Car Insurance in Nevada
- The Nevada Department of Insurance requires all drivers in the state to be covered by Liability Insurance.
- Liability Coverage minimums:
- $15,000 per individual to cover bodily injury or death.
- $30,000 per accident involving bodily injuries or deaths.
- $10,000 for property damage.
Every driver in the state who is considering auto insurance coverage should access the state’s Consumer’s Guide to Auto Insurance brochure.
New Driver Licensing Requirements:
- The Nevada Department of Motor Vehicles states that residents new to Nevada have 30 days from the date of residency to obtain a state driver license. Failure to comply results in a $1,000 fine, and the minimum fine is $200 if the driver complies. A driver with a current out-of-state driver license must pass the vision and written tests to obtain a Nevada driver license.
- Nevada requires all new drivers under the age of 18 to complete an approved driver education course prior to obtaining a license. The options for this course include:
- Complete a classroom course (30 hours) and complete 50 hours of supervised driving
- Complete an online course and complete 50 hours of supervised driving
- Complete 100 hours of supervised driving. This option is for applicants who live where no course is offered within 30 miles and who do not wish to attend the online course.
- Instruction Permit. At age 15 years, 6 months, applicants are eligible for an Instruction Permit. This permit allows the driver to drive with a supervisor outside of the driver education course. To apply, the applicant must:
- Pass the written and vision tests.
- Pay the licensing and testing fees.
- All applicants must complete the driving requirements:
- 50 hours of driving with 10 hours of night driving.
- Must be accompanied by a licensed driver age 21 or older at all times.
- To obtain a full driver license, applicants must meet the following requirements:
- Must be at least 16 years of age
- Hold an Instruction Permit for at least 6 months
- Have a clean driving record: No at-fault accidents, moving violations and/or alcohol-related convictions
- All drivers under the age of 18, whether holding an instruction permit or a full license, may not have any unrelated passengers under the age of 18. This applies to the first 6 months of holding a regular drivers license, and after that period the restriction is lifted.
- All drivers under the age of 18 may not drive between the hours of 10 pm and 5 am unless driving to work or school.
- Vision Exam. Each applicant must pass the vision test. The minimum requirement is a visual acuity of at least 20/40 with or without corrective lenses. If the applicant requires corrective lenses, a restriction will be placed on the license.
- Written Test. 40 out of the 50 multiple choice questions on the exam must be answered correctly to pass. The Nevada DMV has provided a practice test of 10 questions that can be accessed here.
- Road Skills Test. The Nevada Driver’s Manual describes the road skills test, and it points out that the following items will be inspected on the vehicle used for the test:
- Registration, license plates and proof of insurance
- Brake lights
- Turn signals
- Seat belts
- Windshield wipers
- The test administrator will have the applicant perform a variety of driving maneuvers and score the applicant using a points system. Immediate failure can result from serious violations such as speeding or failure to yield.
- A failed test may be taken within 30 days.
- Fees. New Nevada drivers are required to pay the following license fees:
- Testing fees, $25. Re-tests, $10.
- Learner’s Permit, $22.25
- Regular Driver’s License, $22,25
- BAC limit: .08 Nevada’s Department of Transportation outlines the penalties for a DUI conviction in the state:
- First Offense:
- Fine: $400 to $1,000
- Jail: 2 days to 6 months
- License suspension: 90 days
- Ignition Interlock Device (IID): possible
- Second Offense:
- Fine: $750 to $1,000
- Jail: 10 days to 6 months.
- License suspension: 1 year
- IID: possible
- Third Offense:
- Fine: $2,000 to $5,000
- Jail: 1 to 6 years
- License suspension: 3 years
- IID: required beginning after assigned suspension
- Fourth and subsequent DUI’s are felonies, and DUI conviction penalties increase when the offense includes higher BAC levels and/or aggravated factors.
Texting & Driving Laws
According to Distraction.gov, Nevada has banned handheld cell phone use and texting for all drivers.
With all that happens in Nevada, it sometimes seems that there is a law for everything. It is illegal, for instance, to lie down on a sidewalk or to place a bench in the street. One law that makes good sense, although one wonders why it ever came about, is the prohibition of driving camels on the highway!
State Department of Insurance
Department of Business and Industry
Division of Insurance
Carson City office:
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
Las Vegas office:
Department of Transportation
Department of Motor Vehicles
Nevada Department of Motor Vehicle
555 Wright Way
Carson City, NV 89711
Las Vegas Area: (702) 486-4368 (486-4DMV)
Reno/Sparks/Carson City: (775) 684-4368 (684-4DMV)
Rural Nevada: (877) 368-7828
www.dmvnv.com (official website)