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State of Nevada Minimum Car Insurance Policy Limits

A straightforward analysis of SB308, the Nevada State Minimum Policy Limits Increase. This article is brought to you by our Las Vegas car accident attorney.

After years of lobbying, the Nevada legislature has finally agreed to raise the Nevada state minimum policy limits from 15,000/30,000 (meaning $15,000.00 per individual claimant and $30,000.00 for the entire claim for all individuals involved) to 25,000/50,000. This increase became effective on July 1, 2018. The property damage minimum increased from $10,000 to $20,000.00. These requirements are for liability limits on bodily injury (B.I.) claims and while Nevada does not mandate that drivers purchase UM/UIM coverage, under NRS 690B.020 all insurers are required to offer UM/UIM at minimum 25/50 limits. Drivers must formally reject it in writing, meaning if you’ve never signed a rejection form, you may already have it. Given that roughly 11% of Nevada drivers are uninsured, carrying UM/UIM is strongly advisable.

Read an in-depth review of SB308.

Opposition to the bill

When SB308 passed, critics estimated it would cause up to a $45.00 monthly premium increase. In reality, Nevada auto insurance costs have climbed far beyond that figure. By 2026, Nevada drivers pay an average of $355/month for full coverage, the highest in the nation, roughly 35% above the national average, driven by inflation, population growth, litigation trends, and consecutive double-digit rate increases (13.7% in 2025 alone).

Other critics of the bill claim that the increase is too little too late. The last time that minimum insurance coverage was changed was 1958. Taking inflation into consideration from 1958 to present, the original 15/30/10 limits would need to be upwards of $175,000 per person in today’s dollars, making even the current 25/50/20 minimums woefully inadequate for serious injury claims. Regardless, proponents of the increase acknowledged that the increase would permit additional medical care, and allow car accident victims to more adequately treat for their injuries.

As of 2026, the 25/50/20 minimums remain unchanged for personal auto insurance. However, Nevada Senate Bill 180 (2025) passed the state Senate and would — if signed into law — increase commercial motor vehicle minimum liability requirements from $750,000 to $1.5 million by 2030. For personal injury claimants, the practical takeaway is this: state minimums almost never cover the full cost of a serious accident. If the at-fault driver carries only 25/50/20, a single hospitalization can exhaust their entire policy, leaving you responsible for the remainder unless you have UM/UIM or your attorney can pursue additional assets.

Contact us for a free consultation

If you have been injured in Las Vegas, Nevada, you should immediately contact Brian Boyer Injury & Car Accident Lawyer Las Vegas to set up a free consultation with one of our highly experienced attorneys. We pride ourselves on offering the best representation possible for all types of motor vehicle accidents.

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