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

By Editorial team, last reviewed

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

FactDetail
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:

CoverageWhat Nevada requiresWhat it pays for
Uninsured and underinsured motoristMust be offered together with UM at your bodily injury limits; optionalYour injuries when the at-fault driver has no or too little insurance
Medical paymentsMust be offered (at least $1,000); optionalMedical bills for you and your passengers, regardless of fault
Personal injury protectionNot requiredNot 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 and medical payments coverage. The Nevada guide 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 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 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 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.

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.
  2. Keep a clean record. Tickets and at-fault crashes count against you at renewal; see driving record.
  3. Choose deductibles on purpose. A higher deductible lowers collision and comprehensive premiums but raises what you pay after a claim.
  4. Ask about discounts and telematics. See our discounts guide.
  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).

Frequently asked questions

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

Last reviewed by the StateCover Guide editorial team. See our editorial policy. Spotted an error? Tell us.