# Las Vegas car insurance: Nevada's rules, costs and road safety

> Las Vegas car insurance guide: Nevada's minimum liability, the UM and MedPay offers, credit score limits, statewide costs, crash data and ways to pay less.

Canonical page: https://statecover-guide.com/location/las-vegas/  
Last reviewed: October 28, 2026 by the StateCover Guide editorial team  
General information, not legal or insurance advice.

## Quick answer

To drive legally in Las Vegas you need Nevada's minimum liability insurance: $25,000 per person, $50,000 per accident and $20,000 for property damage. Insurers must offer uninsured motorist and medical payments coverage, but both are optional. Statewide, Nevada drivers spent $1,461.54 per insured vehicle in 2023, above the national $1,281, even though Nevada's share of uninsured drivers is below the national rate.

## Key facts

| Fact | Detail |
|---|---|
| Las Vegas population (2025) | 679,817 |
| Mean commute to work, Las Vegas (2020-2024) | 25.7 minutes (US: 26.4 minutes) |
| Las Vegas households with no vehicle (2020-2024) | 8.9% (US: 8.4%) |
| Minimum liability (Nevada, statewide) | $25,000 / $50,000 / $20,000 |
| Uninsured motorist coverage (statewide) | Must be offered at your bodily injury limits; optional |
| Medical payments coverage (statewide) | Must be offered (at least $1,000); optional |
| Average spent per insured vehicle, Nevada (2023) | $1,461.54 a year (statewide average, not a Las Vegas price) |
| Uninsured drivers, Nevada (2023) | 11.1% (US: 15.4%) |
| Crash death rate by miles driven, Nevada (2024) | 1.47 per 100 million miles (US: 1.19 per 100 million miles) |

## What Nevada requires on a Las Vegas policy

Nevada is an at-fault state. If you cause a crash, your liability insurance pays the other people's injury and property claims, up to your limits. Minimums rose to 25/50/20 on July 1, 2018. Keep in mind that a property damage limit of $20,000 can fall short if you damage a newer car or more than one vehicle.

Insurers must also offer two coverages that you are free to decline:

| Coverage | What Nevada requires | What it pays for |
|---|---|---|
| Uninsured and underinsured motorist | Must be offered together with UM at your bodily injury limits; optional | Your injuries when the at-fault driver has no or too little insurance |
| Medical payments | Must be offered (at least $1,000); optional | Medical bills for you and your passengers, regardless of fault |
| Personal injury protection | Not required | Not part of Nevada policies |

Even with 11.1% of Nevada drivers estimated to be uninsured in 2023, a lower share than nationally, uninsured drivers are still on the road. See [uninsured motorist coverage](https://statecover-guide.com/coverage/uninsured-motorist/) and [medical payments coverage](https://statecover-guide.com/coverage/medical-payments/). The [Nevada guide](https://statecover-guide.com/location/nevada/) covers proof-of-insurance rules and other statewide details.

## Driving in Las Vegas

Las Vegas had 679,817 residents in 2025, according to the Census Bureau. Commuters spend an average of 25.7 minutes getting to work, and only 8.9% of households have no vehicle, close to the national share of 8.4%. In other words, most Las Vegas households depend on a car.

Nevada's roads carry more risk per mile than the national average. The state recorded 417 crash deaths in 2024, or 12.8 per 100,000 people, and 1.47 per 100 million miles, according to IIHS. Speeding played a part in 33% of deaths, and only 25% happened on rural roads, so most occurred on urban roads. Those crash costs flow into liability and collision prices.

If you drive for a rideshare or delivery app, your personal policy may not work the way you expect while the app is on. Our [rideshare driver guide](https://statecover-guide.com/drivers/rideshare/) explains the gaps to check.

## What moves your Las Vegas premium

Insurers price by the territory where the car is garaged, using the claims history of that area. The NAIC notes that urban areas see more claims than rural ones and that repair costs are higher in more populated places. Our guide on [how ZIP codes affect car insurance](https://statecover-guide.com/costs/zip-code/) explains territories in detail.

Two other points are specific to Nevada and to Las Vegas data:

- **Credit.** The NAIC lists these states as banning credit-based insurance scores for rating or for offering or renewing a policy: California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon and Utah. Ask insurers how they use credit information in Nevada; our [credit score guide](https://statecover-guide.com/costs/credit-score/) explains the background.
- **Theft.** NICB's latest release lists only the states and metro areas with the most thefts, and neither Nevada nor the Las Vegas area appears on those lists. Nationally, thefts fell 23.2% to 659,880. A stolen car is covered only by [comprehensive coverage](https://statecover-guide.com/coverage/comprehensive/).

## Ways to pay less in Las Vegas

1. **Compare quotes for identical coverage.** Use the same limits and deductibles with each insurer; see [shopping at renewal](https://statecover-guide.com/saving/shopping-at-renewal/).
2. **Keep a clean record.** Tickets and at-fault crashes count against you at renewal; see [driving record](https://statecover-guide.com/costs/driving-record/).
3. **Choose deductibles on purpose.** A higher [deductible](https://statecover-guide.com/saving/deductible/) lowers collision and comprehensive premiums but raises what you pay after a claim.
4. **Ask about discounts and telematics.** See our [discounts guide](https://statecover-guide.com/saving/discounts/).
5. **Get help if needed.** The Nevada Division of Insurance answers consumer questions at 888-872-3234 (toll-free); 775-687-0700 (Carson City); 702-486-4009 (Las Vegas).

## FAQ

### What is the minimum car insurance in Las Vegas?

Nevada's minimum: $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage.

### Do I have to buy uninsured motorist coverage in Nevada?

No. Insurers must offer it at your bodily injury limits, but you can decline it. It pays your injury costs when an uninsured or underinsured driver is at fault.

### Is PIP required in Las Vegas?

No. Nevada does not require personal injury protection. Insurers must offer medical payments coverage, which you can accept or decline.

### Can insurers use my credit score in Nevada?

The NAIC lists Nevada among the states that ban credit-based insurance scores for rating or for offering or renewing a policy. Ask each insurer how it uses credit information.

### Is car insurance in Las Vegas more expensive than the Nevada average?

We do not publish city prices. The NAIC's statewide average for Nevada was $1,461.54 per insured vehicle in 2023. Your own price depends on your address, record, car and coverage.

## Sources

- [US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025)](https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv) — Las Vegas population
- [US Census Bureau, ACS 2020-2024 5-year, Table S0801 (Las Vegas city)](https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3240000) — mean travel time to work
- [US Census Bureau, ACS 2020-2024 5-year, Table B25044 (Las Vegas city)](https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3240000) — households with no vehicle
- [National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline](https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html) — top states and metro areas for thefts
- [NAIC, Auto Insurance (consumer page)](https://content.naic.org/consumer/auto-insurance.htm) — urban areas and claims
- [NAIC, Why Are My Insurance Premiums Increasing?](https://content.naic.org/article/why-are-my-insurance-premiums-increasing) — repair costs in populated areas
- [Nevada Division of Insurance, Automobile Insurance](https://doi.nv.gov/Consumers/Automobile-Insurance/), as of October 28, 2026
- [U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)](https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=010XX00US), as of October 28, 2026
- [U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)](https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=010XX00US), as of October 28, 2026
- [Nevada Legislature, NRS 687B.145, uninsured/underinsured and medical expense coverage offers](https://www.leg.state.nv.us/nrs/nrs-687b.html), as of October 28, 2026
- [Insurance Information Institute, Facts + Statistics: Uninsured motorists](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists), as of October 28, 2026
- [Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)](https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists), as of October 28, 2026
- [Nevada Division of Insurance, Contact Us](https://doi.nv.gov/Contact-Us/), as of October 28, 2026
- [NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles](https://nicb.org/node/124139), as of July 15, 2026
- [IIHS, Fatality Facts 2024: State by state](https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state), as of June 1, 2026
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf), as of February 13, 2026
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report), as of February 13, 2026
- [Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)](https://www.businesswire.com/news/home/20250220231032/en), as of February 20, 2025
- [NAIC, Center for Insurance Policy and Research: Credit-Based Insurance Scores](https://content.naic.org/cipr_topics/topic_credit_based_insurance_scores.htm), as of January 31, 2024