Is Nevada a no-fault state?
No. Nevada is an at-fault (tort) state. The driver who causes a crash is responsible for the harm, and the required insurance pays those claims up to its limits.
Last checked November 9, 2026 · Official sources (4)
How does Nevada car insurance work?
“NRS 485.185 Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of coverage.”
Nevada Revised Statutes § 485.185
What is Nevada's minimum car insurance?
| Coverage | What Nevada requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $20,000 |
| Uninsured motorist | Uninsured/underinsured motorist coverage is optional. Insurers must offer it at no less than the minimum liability limits. |
Other at-fault states
Questions
How much insurance does Nevada require?
At least $25,000 per person and $50,000 per crash for injuries, and $20,000 for property damage (25/50/20).
What if you were partly at fault in Nevada?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing only if your fault is greater than the fault of those you are suing.
Hurt in a crash in Nevada? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Nevada Revised Statutes § 485.185, checked 2026-11-09. “NRS 485.185 Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of coverage.”
- Nevada Division of Insurance, checked 2026-11-09. “increasing the minimum motor vehicle liability insurance coverage to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage (“25/50/20”).”
- Nevada Division of Insurance, checked 2026-11-09. “Nevada drivers can purchase Uninsured/Underinsured Motorists (“UM/UIM”) coverage on an optional basis. Nevada law requires an insurance company to offer this protection at a level no less than the minimum liability limits.”
- Nevada Revised Statutes § 41.141, checked 2026-11-09. “does not bar a recovery if that negligence was not greater than the negligence or gross negligence of the parties to the action against whom recovery is sought.”