Candace Baker, Car Insurance Writer
@candacebaker
No, you do not need rental car insurance in Nevada. Rental car companies in Nevada provide the minimum state-required liability insurance coverage: $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $20,000 in property damage liability coverage per accident.
If you have a personal car insurance policy that includes other types of coverage (like collision or comprehensive insurance) or liability limits that are higher than what your state requires, the extra protection will extend to your rental car. But if you don't have auto insurance coverage of your own, it may be a good idea to purchase additional coverage from the rental company.
For example, you can purchase a collision damage waiver, which provides coverage comparable to collision and comprehensive insurance. This type of coverage may even apply automatically if you pay for your rental with the right credit card and reject the collision damage waiver from the rental company. You can also purchase supplemental coverage that adds to the existing liability and medical payments limits from your personal policy.
To learn more, check out WalletHub's complete guide on rental car insurance.
People also ask
How much car insurance do I need in Nevada?
Nevada law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Nevada also requires you to carry at least $20,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Nevada
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
What is the penalty for driving without insurance in Nevada?
If you are caught driving without insurance in Nevada, you may face fines, suspension of license and registration, and impounding your car after the first offense. Penalties for repeat offenses include fines up to $1,750.
Penalties for Driving Without Insurance in Nevada
| Type of Offense | License Suspended? | Registration Suspended? | Maximum Fines & Fees |
| First Offense ... | No | Yes | $250-$1,250 |
How long is Nevada's new car insurance grace period?
The Nevada new-car insurance grace period is 7 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy. If you don't have a current policy, you'll need proof of liability coverage before you can legally drive or register your car in Nevada.
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