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Cheapest Car Insurance in Nevada (NV)

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.

Average Car Insurance Premiums

Consistently above the national average, census.gov indicates Nevada’s car insurance premiums have reached a record high. On the other hand, the state’s average premiums as a percentage of income hit an all-time low in 2008.

Drunk Driving Fatalities

On a steep increase, Nevada’s drunk driving fatalities have risen above the national average. 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. In 2012, the FBI reported the national average at 229.7 and Nevada’s at 363.1.

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
    • Headlights
    • Taillights
    • Brake lights
    • Turn signals
    • Horn
    • Seat belts
    • Tires
    • 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

DUI/DWI Laws

  • 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.

Unique Laws

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:

(775) 687-0700
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
(775) 687-0700
Get Directions

Las Vegas office:

2501 East Sahara Ave., Suite 302
Las Vegas, NV 89104
(702) 486-4009
(888) 872-3234
www.doi.nv.gov
Get Directions

Department of Transportation

Nevada Department of Transportation
1263 South Stewart Street
Carson City, Nevada 89712
(775) 888-7000
www.nevadadot.com (official website)
Get Directions

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)
Get Directions

See rates for these popular cities

Tags:
Actual Yearly Savings
  • Mark
  • $600
  • Jul 30, 2014
  • Janice
  • $480
  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
  • Dana
  • $960
  • Jun 30, 2014
  • Verness
  • $1200
  • Jun 30, 2014
  • Shondalay
  • $1000
  • Jun 30, 2014
  • Chris
  • $120
  • Jun 27, 2014
  • Anthony
  • $600
  • Jun 24, 2014
  • Melissa
  • $1200
  • Jun 18, 2014
  • Daphne
  • $480
  • Jun 12, 2014
  • Yomara
  • $1800
  • Jun 10, 2014
  • Jose
  • $2400
  • Jun 6, 2014
  • Risa
  • $480
  • Jun 5, 2014
  • Alan
  • $1200
  • Jun 4, 2014
  • Tonisha
  • $1000
  • Jun 1, 2014
  • Tiffany
  • $1000
  • May 29, 2014
  • Desiree
  • $1200
  • May 19, 2014
  • Danielle
  • $1800
  • May 16, 2014
  • Lujendo
  • $540
  • May 15, 2014
  • David
  • $900
  • May 13, 2014
  • Damber
  • $800
  • May 9, 2014
  • Lakisa
  • $960
  • May 7, 2014
  • Rodney
  • $1440
  • May 6, 2014
  • Ashley
  • $600
  • May 5, 2014
  • Michael
  • $2000
  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 26, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 1, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 30, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014

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"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

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Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared



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