New Auto Insurance Requirements Raise Liability Limits

Consumers with Minimum Coverage Need to Upgrade their Policies


LAS VEGAS –Effective July 1, the minimum levels of vehicle liability limits required by law in Nevada will increase and consumers will be required to purchase at least the new coverage limits or face penalties. The Nevada Insurance Council (NIC), the Nevada Division of Insurance and the Nevada Department of Motor Vehicles (DMV) are working together to ensure Nevada drivers are aware of the new law before it takes effect so consumes can shop for the new coverage.

Due to the passage of the new law, consumers who have the current minimum protection levels of $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage, often referred to as 15/30/10 coverage, will need to purchase higher limits of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage (25/50/20 coverage).

The Nevada Insurance Council (NIC) is encouraging consumers to check with their insurance agent or company to determine how this new law will affect their policies and premiums.

“Many consumers already have coverage limits that exceed the new requirements,” said NIC spokesperson Michael Geeser, “but for those carrying only the old minimums, the mandated increase could also mean an increase in policy premiums. Consumers should check with their companies or agents to see if the new law will affect them.”

The Division of Insurance has approved filings from insurance companies with the new minimum vehicle liability limits and, according to Insurance Commissioner Barbara Richardson, some companies have already begun to implement this new requirement when they renew their policies or write new business.

The Nevada Insurance Council is a non-profit organization representing the property and casualty insurance industry in Nevada. NIC is dedicated to informing consumers and the media about the insurance business, automotive safety, and homeowner’s insurance and related topics. For more information, visit


— Michael Geeser