Key points
Minimum liability is $25,000 for one person, $50,000 for two or more, and $20,000 for property.
Source: Handbook p. 75
“The minimum coverage is $25,000 for bodily injury or death of one person in any one crash; $50,000 for bodily injury or death of two or more persons in any one crash; and $20,000”
Nevada Driver's Handbook, Handbook p. 75Carry an evidence of insurance card in the vehicle, or on a mobile device.
Source: Handbook p. 75
“An Evidence of Insurance Card furnished by the company must be carried in the vehicle or be available in an electronic format that can be displayed on a mobile electronic device.”
Nevada Driver's Handbook, Handbook p. 75If your registration is suspended for an insurance lapse with no new coverage for that time, you pay a reinstatement fee and fines from $250 up to $1,750.
Source: Handbook p. 75
“registration is suspended for a lapse of insurance and no new coverage for that time frame has been obtained, the driver will be required to pay a reinstatement fee and applicable fines (starting at $250 and totaling up to $1,750)”
Nevada Driver's Handbook, Handbook p. 75If police do not investigate a crash with $750 or more in damage or any injury, send a Report of Crash Form within 10 days.
Source: Handbook p. 75
“If you are in a crash that is not investigated by law enforcement and the crash causes $750 or more in damages or anyone is injured, you must complete and send a Report of Crash Form (SR-1) within 10 days”
Nevada Driver's Handbook, Handbook p. 75Uninsured drivers in a crash with more than $750 in damage lose their license and registration.
Source: Handbook p. 82
“If a crash occurs with more than $750 in damage (personal injury or property damage) and you do not have liability insurance, your driver license and vehicle registration are suspended.”
Nevada Driver's Handbook, Handbook p. 82Some drivers may have to file, as a condition of reinstatement, a form of liability insurance that lets the DMV monitor a suspended or revoked driver.
Source: Handbook p. 76
“drivers may be required to file an SR-22 form as a condition of reinstatement. SR-22 is a form of liability insurance on a driver license that allows the Department to monitor the insurance of a suspended and/or revoked driver record”
Nevada Driver's Handbook, Handbook p. 76In a crash: stop, get medical help, warn traffic and notify police.
Source: Handbook p. 76
“Stop. Get medical help for the injured. Warn traffic. Notify law enforcement.”
Nevada Driver's Handbook, Handbook p. 76In a fender bender with no injuries, move the vehicle out of traffic if you can and return to the scene.
Source: Handbook p. 76
“If there is only damage to a vehicle or other property (no injuries) and the vehicle can be moved safely, move to a location that does not obstruct traffic and return to the scene.”
Nevada Driver's Handbook, Handbook p. 76New residents must register vehicles within 30 days of residency or when getting a license, whichever is first.
Source: Handbook p. 83
“Drivers must register their vehicles within 30 days of establishing residency in Nevada or at the time they obtain a driver license, whichever occurs earlier.”
Nevada Driver's Handbook, Handbook p. 83
Numbers to know
| Number | What it means | Manual |
|---|---|---|
| $25,000 / $50,000 | bodily injury minimum, one person / two or more | Handbook p. 75 |
| $20,000 | property damage minimum | Handbook p. 75 |
| $250 to $1,750 | fines for an insurance lapse per vehicle | Handbook p. 75 |
| $750 / 10 days | damage threshold and deadline for a crash report form | Handbook p. 75 |
| 30 days | deadline to register a vehicle as a new resident | Handbook p. 83 |
3 questions from the Nevada practice test
1. What is an SR-22 in the context of a Nevada DUI administrative action?
- A certificate allowing a driver to exceed the speed limit
- A request to cancel the administrative hearing
- Proof of financial responsibility that may be required
- A form that removes a conviction from the driving record
Show answer
Proof of financial responsibility that may be required. Nevada's DUI penalty table identifies an SR-22 as proof of financial responsibility that may be required after an administrative revocation. It is connected to insurance responsibility, not to cancelling a hearing, changing a speed limit, or erasing a conviction. The word proof is the useful cue: the filing demonstrates financial responsibility under the state's process. A driver facing this requirement should distinguish the insurance filing from the separate license revocation and any criminal penalties imposed by a court.
2. How soon must a new Nevada resident register a vehicle?
- Within one year
- Within 30 days of establishing residency or when obtaining a license, whichever is earlier
- Only at the next renewal
- Within 10 days
Show answer
Within 30 days of establishing residency or when obtaining a license, whichever is earlier. Drivers must register their vehicles within 30 days of establishing residency in Nevada or at the time they obtain a driver license, whichever occurs earlier. In Clark and Washoe counties a passing emissions inspection report is required for most gasoline vehicles of model year 1968 and newer and for diesel vehicles of 1968 or newer up to 14,000 pounds GVWR.
3. When are a Nevada driver's license and registration suspended under the security deposit rule?
- After three parking tickets
- After any crash
- Only after a DUI
- After a crash with more than $750 in damage when the driver has no liability insurance
Show answer
After a crash with more than $750 in damage when the driver has no liability insurance. If a crash occurs with more than $750 in personal injury or property damage and you do not have liability insurance, your driver license and vehicle registration are suspended under the security deposit rule. Parking tickets, every crash, and DUI alone do not describe this rule. The handbook lists other suspensions separately, including 12 or more demerit points in a 12 month period, failure to appear on a traffic ticket, and failure to maintain insurance.
Practice this topic
Lock it in with laws and paperwork questions from the free Nevada practice test. Every answer comes with a plain English explanation.
Source: the Nevada Driver's Handbook, Chapter 8: Insurance and Financial Responsibility. This lesson is a plain English summary, not the law itself; where it differs, the manual and the statute govern. Last checked 2026-09-27.