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New Liability Insurance Minimums for Nevada Start July 1

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Get ready to call your auto insurance company. Nevada is changing the minimums on liability insurance, which means you may need to update your plan.

Liability Insurance Refresher


Right now you might be thinking, why is liability insurance so important I need more of it? Or you may be like, what is liability insurance again?

Liability insurance provides coverage in the event of a car accident. The at-fault driver’s liability insurance covers the cost of both property damage and bodily injury. Since an accident can happen to even the best drivers, liability insurance is a financial safeguard you want to have.

It’s so important, 49 states require drivers have some form of liability insurance (New Hampshire is the only hold out). States set a minimum amount, but drivers can always opt for higher levels of coverage at any time.

What You Need to Know About the Liability Insurance Changes

Nevada Senate Bill 308 officially upped the liability insurance requirements. To make sure you’re driving legally you’ll need to verify that your auto insurance meets the minimums.

Old liability insurance minimum: 15/30/10

New liability insurance minimum: 25/50/20

When the changes go into effect: July 1, 2018

Let’s decipher the information above. The current liability minimums are 15/30/10: $15,000 for bodily injury per person, $30,000 for bodily injury for all persons per crash and $10,000 per crash for property damage.

The change bumps the minimum up to: $25,000 for bodily injury per person, $50,000 for bodily injury for all persons per crash and $20,000 per crash for property damage.

Increasing liability coverage will probably make your monthly premium more expensive, but Nevada officials are quick to point out that the state had the second lowest liability insurance minimums in the country. Higher coverage also means drivers are less likely to pay out-of-pocket if they’re in an accident.

Nevada decided to increase the minimum amounts because they didn’t adequately cover the cost of an accident today. They cited increased medical and auto repair costs as sound reasoning for upping the liability insurance requirement.

Next Steps


Before July 1st rolls around, have a chat with your insurance agent. You may already have coverage that meets the new minimum (Nevada estimates that 32% of drivers have the old minimum). There are also other ways you can save on auto insurance so you pay about the same amount while getting more liability coverage.

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Krista Doyle