In Nevada, cheap car insurance plans are relatively easy to come by if you opt to carry nothing but the states minimum requirements. While this is what many drivers choose to do in order to keep costs as low as possible, it is not the wisest decision in terms of your financial protection. Learn about all your insurance options before choosing the cheapest plan possible.

Nevada Cheap Car Insurance Plans: Mandatory Coverage Only

Liability coverage is the only type of car insurance that is mandatory in the state of Nevada. The minimum limits of coverage imposed by the state for all car owners are:

- $15,000 for bodily injury coverage per person
- $30,000 for bodily injury coverage per accident in total
- $10,000 for property damage per accident in total.


According to all insurance professionals, these limits are too low to be considered good protection for car owners. Recommended levels of liability coverage are $100,000 per person for bodily injury; $300,000 per accident in total for bodily injury; and $100,000 per accident for property damage.

Nevada Cheap Car Insurance Plans: Beyond the Basics

In addition to the higher limits of liability that should be carried by all drivers, there are other forms of coverage that should be considered. Uninsured motorist coverage is one of these. In Nebraska an estimated 13.2% of drivers operate their cars without insurance. UM covers you if you are hurt in an accident with one of them. Another type of coverage worth carrying is personal injury protection or PIP. This covers medical expenses for you or a passenger in your car in the case of a car accident.

Personal property damage is made up of collision and comprehensive car insurance. These two types of coverage are mandatory for drivers of vehicles with outstanding liens. Drivers who own their own cars do not need to carry them, but may want to depending on the value of the car when compared to the cost of the premiums. Collision coverage provides for physical damage occurring from at-fault accidents. Comprehensive coverage provides for physical damage occurring from other perils like wind damage, theft, vandalism and fire.

Other types of coverage to consider include rental car coverage for times when your vehicle is undriveable. Towing and labor cost coverage is also good in case of breakdowns or accidents. These may be already provided for you by a premium credit card or an auto club membership. Check it out before investing in these forms of coverage.

Find Cheap Car Insurance Plans For Nevada Now