Nevada Car Insurance

How Much Does Car Insurance In Nevada Cost?

Looking for the cheapest car insurance in Nevada? Car insurance in Nevada is costly compared to the national average. The average cost for full coverage is $1,802 per year, 26.2% higher than the United States average.

The factors that can affect your insurance rates include your driving record, claims and credit history, the model and make of your vehicle and more.

The Best Affordable Car Insurance In Nevada

Fred Loya Insurance is among the most trusted car insurance companies in Nevada. We offer customized insurance policies at affordable prices.

Join us to benefit from our diverse discounts, additional coverage options and individual advice for any situation you may encounter on the road and beyond. Our experienced agents will customize a unique policy for you based on your needs and budget.

Why Choose Fred Loya Insurance In Nevada?

At Fred Loya Insurance we value both our new clients and our loyal members. In return for the trust you place in us, we are happy to offer special benefits.

Are you a new client? Take advantage of our immediate coverage without a credit check, customized policies and flexible payment options.

Are you one of our loyal members? Benefit from online payment options, mobile alerts and a complementary rental vehicle during car repair after an accident.

Get Cheaper Auto Insurance In Nevada With Our Fred Loya Insurance Discounts

• Prior Insurance Discount

  If your car has been insured for six months or more, you may be eligible to save with our Prior Insurance Discount!

• Homeowner Discount

  If you are a homeowner, you may qualify for reduced insurance rates with our Homeowner Discount!

• Claim-Free Discount

  Is your driving record claim-free? Ask our agents if you can save with our Claim-Free discount.

• Multi-car Discount

  Insure several cars with us and save money with our Multi-car Discount!

• EFT Discount

  By automating your insurance payments, you can save on your policy with our EFT Discount.

• Renewal Discount

  Is the time for your insurance renewal approaching? Renew your policy one month early and you may be eligible for our Renewal Discount!

• New Car Discount

  Have you recently purchased a new car? Benefit from reduced car insurance rates with our New Car Discount.

• Vehicle Alarm Discount

  Is your vehicle equipped with a state-approved anti-theft alarm system? Ask our agents if you can save with our Vehicle Alarm Discount!

• Air Bag Discount

  We value safety! If your vehicle has air bags, you can save with our Air Bag Discount.

Nevada Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers costs associated with bodily injury or death if you cause an accident. The minimum requirements are $25,000 per person and $50,000 per accident.
Property Damage Liability	Property Damage Liability covers costs associated with car or structure repair if you cause an accident. The minimum requirement is $20,000.

Nevada Car Insurance Laws And Regulations

Nevada Driver’s License Process

Instruction Permit

When you are 15½ years old, you can apply for your instruction permit. You will need to:

• Show proof of identity and residency
• Pass a driver’s education course approved by the DMV
• Pass written and vision tests

Your instruction permit, valid for 12 months, allows you to drive only with a licensed driver who is 21 years old or older. To apply for your driver’s license you must:

• Hold your instruction permit for at least six months
• Complete a driver education course
• Complete 50 hours of driving under supervision, including ten hours of night driving

If you are unable to find driver education course within a 30-mile radius of your residential address, you will need to complete 100 hours of behind-the-wheel training.

Driver’s License

You can apply for your driver’s license at the age of 16. To obtain your license, you must show the necessary documents, pass a driving test and have:

• A valid instruction permit for a minimum of six months
• No at-fault accidents during the six-month period before applying
• No moving violations in the same period
• No alcohol or drug convictions

Driving Without Auto Insurance In Nevada

Auto insurance is mandatory in the state of Nevada.

The state’s online verification system, called the LIVE Program, can electronically track you as a car owner and determine if your car insurance policy has lapsed. If you experience a lapse in coverage, your (former) car insurance company is obligated to inform the DMV.

Nevada doesn’t have a grace period for lapsed coverage. If you drive without auto insurance you will receive an immediate fine of $250. Consequent fines could cost you up to $2,000 and result in a license suspension, depending on the number of offenses and period of lapsed coverage.

Nevada Teen Driving Laws

Nevada’s teen driving laws help ensure the safety of young drivers and their passengers.

If you have an instruction permit you can drive only when accompanied by a licensed driver who is 21 years old and who has minimum one year of driving experience.

If you have a driver’s license but you are under 18, you are not allowed to transport passengers under 18 for the first six months, unless they are immediate family members.

If you are under 18, you are not permitted to drive between 10 p.m. and 5 a.m. Exceptions to this rule include situations when you drive to or from work or school.

Nevada Seat Belt Laws

Seat belt laws in Nevada are designed to protect drivers and passengers of all ages.

• All passengers in the vehicle are required to wear seat belts
• Children under 2 years old should be transported in a rear-facing safety seat in the vehicle’s back seat
• Children who are younger than 6 years old must use a booster seat
• If you are caught without your seat belt, you may be fined $25

Nevada Distracted Driving

Nevada’s distracted driving laws prohibit hand-held cell phone use, including calls, texting and internet usage. You can talk on the phone with a hands-free device only. You are allowed to touch your phone strictly for activation or deactivation while making voice calls.

Exceptions include:

• Reporting a safety hazard, criminal activity or medical emergency
• Using a vehicle-integrated voice-operated navigation system
• Using citizen band or alternative two-way radio with a hand-held microphone
• Reporting by firefighter, law enforcement or emergency services during work
• Communication by utility workers in case of an emergency
• Communication by amateur radio operators in case of a disaster or emergency

If you violate the law, you will face:

• A fine of $50 for your first offense during a seven-year period
• A fine of $100 for your second offense
• A fine of $250 for your third offense or subsequent violations

The first offense is not regarded as a moving violation. You will face four demerit points for a second or subsequent violation.

You may receive a double fine if you break the law in a work zone plus pay additional administrative fees imposed by the court.

*All information was gathered from official state websites and is accurate as of November 1, 2021.