Nevada Car Insurance

Nevada is a place where people love to take risks. Being the Gambling capital of the United States you can imagine how much money flows through the state on a daily basis. But you know oh, it’s okay to take risks when you’re going out to gamble. You’re going to have a fun time and you don’t enjoy some wins and even some losses. Don’t let that mindset of being risky take away from the fact that in order for you to get around in Nevada you must have car insurance. So we’re going to give you a detailed breakdown of what car insurance you need to legally drive in the state of Nevada.

Required Coverages

Maybe you’re stuck in a rut, we are not seeing any wins as your gambling. You’re starting to hope for small wins because the money pool is getting smaller and smaller, so the large ones are out the window. But you’re in luck why not take a chance at finding cheap car insurance to get yourself a small win you’ve been looking for. Shopping around in Nevada for new car insurance can definitely help reduce your current premium. For now, let’s take a look at the minimum requirements you need to legally drive in Nevada.

  • $15,000 in bodily injury coverage per person
  • $30,000 in bodily injury coverage per accident
  • $10,000 in property damage coverage peroxide

All of this coverage is reflective on liability insurance. All Nevada drivers are required by law to have liability insurance when they’re driving on the road.

Optional Coverages

Remember you don’t have to take the required minimum coverage if you feel that you need more from your insurance premium or Insurance coverages you can definitely increase it. Are many optional coverages available to you as a driver, so take advantage of them and see what best fits your needs when you’re behind the wheel? Here are the optional coverage is available to you in the state of Nevada.

  • Collision insurance
  • Comprehensive insurance
  • Gap insurance
  • Towing insurance
  • Uninsured motorist coverage
  • Underinsured motorist coverage

 Keep in mind that some of these optional coverages are required in given scenarios. I need to ask your insurance agent for more detail behind this.

Factors that Affect Your Insurance Premium

 No matter what auto insurance company you go to in Nevada, here are the factors that they use to weigh in on your insurance premium.

  • Driving record
  • Where you’re located
  • Make model and year of the vehicle
  • How long you been driving
  • Your age and gender
  • Credit-based
  • Insurance history

We get it, knowing all these things factor into your insurance premium can be a little bit disheartening especially because you don’t have control. That isn’t the case there are many things that you can do to make sure that your car insurance in Nevada remains that affordable rate every time you shop around. More information about car insurance or how you can get set up with a new premium or get an online quote call the local agent here today. 

Is Nevada a No-fault State?

Nevada is considered to be a fault state. This means that drivers who caused the accident their insurance company will be paying for the damages.

Average Cost of Insurance in Nevada

The average cost of insurance in Nevada is quite higher than the national average. We would actually consider this to be more on the expensive end, you’re looking at about a 27% increase over the calculated average. putting this in a monetary perspective you’d be looking at $1,800 each year.