When buying auto insurance in Nevada, you can choose a minimum liability insurance plan based on the state’s minimum legal limits. Or, you can buy comprehensive or collision-only coverage, which covers a more extensive range of circumstances.
It’s up to you to decide whether you want a minimum car insurance policy in Nevada or if you want full auto insurance coverage. Are you looking for home insurance?
Typically, on a newer and more valuable vehicle, it’s in your best interest to get comprehensive coverage. If you drive an older vehicle and want to save money on your monthly premiums, then minimum insurance plans in Nevada may be worth it – although it’s important to remember that your car insurance won’t cover any repairs to your own vehicle or property damaged in a collision.
Because Nevada is considered an “at-fault” state, if you’re deemed responsible for causing an accident, you have to have enough coverage to pay for damages and injuries. That is why your insurance policy must include the following minimums:
- $15,000 bodily injury liability, per one person
- $30,000 bodily injury liability, per accident in which multiple people sustained injuries
- $10,000 property damage liability
More Insurance You Can Add On
Going with the state minimums is a fine—and legal—option. Adding more insurance certainly wouldn’t hurt though. Consider the following options so you don’t pay out-of-pocket if something unexpected happens to you.
Collision Coverage – If you knock your car into something or another car knocks into you, this coverage can help pay for it.
Comprehensive Coverage – What if vandals ruin your car or a storm drops a tree branch on it? Comprehensive coverage helps pay for that.
Uninsured/Underinsured Motorist Coverage – People drive around without insurance or not enough of it all the time. If they hit you, the bill’s on you. Get this coverage to prevent having to pay for it yourself.
Rental Car Coverage – Your insurance company can help pay for a rental car if yours is out of commission after an accident.
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