Nevada Minimum Car Insurance Requirements
Nevada requires all drivers to carry liability insurance: $15,000 bodily injury per person, $30,000 per accident, and $10,000 property damage.
Driving without insurance in Nevada results in license suspension, fines up to $250, and potential vehicle impoundment.
Proof of insurance must be shown to police during traffic stops.
Can Immigrants Get a License in Nevada?
Nevada does NOT currently issue driver licenses to undocumented immigrants. You must have a valid Social Security Number or ITIN to apply.
If you have a foreign license, you may be able to use it temporarily, but Nevada requires a US license for insurance and legal driving.
Check the Nevada DMV website for current requirements, as laws change.
Best Insurance Options for Immigrants in Nevada
Many major insurers in Nevada accept ITIN numbers instead of SSN for policy holders. You do not need a US license to buy insurance, but you will need one to legally drive.
Get quotes from multiple companies—rates vary significantly. Insurance companies are NOT immigration enforcement and cannot share your data with ICE.
Your insurance information is protected by the Gramm-Leach-Bliley Act.
Tips for Immigrant Drivers in Nevada
Always carry proof of insurance and your foreign license if you do not yet have a Nevada license. Keep documents in your vehicle.
Nevada has high rates of uninsured drivers—protect yourself with uninsured motorist coverage if your budget allows.
Las Vegas and Reno have many Spanish-speaking insurance agents who can help you understand your options.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $15,000 | Per injured person |
| Bodily Injury (per accident) | $30,000 | Total per accident |
| Property Damage | $10,000 | Per accident |
| Uninsured Motorist (BI per person) | $15,000 | Required in Nevada |
| Uninsured Motorist (BI per accident) | $30,000 | Required in Nevada |
| Uninsured Motorist (PD) | $10,000 | Required in Nevada |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN from the IRS instead. Nevada insurers accept ITIN numbers. Insurance companies do not report you to ICE.
No. Nevada does not issue licenses without proof of legal presence. Check NCSL link for states that do allow it.
Liability only: 15/30/10 (bodily injury per person/accident, property damage). Uninsured motorist coverage required.
State Farm, Geico, Progressive, and Allstate work with ITIN. Get quotes from all four. Rates vary by situation.
Foreign license alone is not enough. You need a Nevada drivers license or state ID. Ask your insurer about IDP (International Driving Permit) as temporary proof.
