Nevada Teen Driver Insurance: Parents & New Drivers
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesNevada at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15½
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Nevada
The state operates a graduated driver licensing (GDL) system: teens get a learner's permit at 15½, an intermediate license with restrictions at 16, and a full unrestricted license at 18 after completing six months restriction-free. Nevada law also mandates that insurers offer good student discounts to drivers under 25 who maintain a B average or equivalent, making it one of the few states where this discount is legally required rather than optional.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Nevada
$391–$685/mo
Typical monthly rate in Nevada, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Find the Right Policy for Your Teen
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
10pm-5am (secondary)
Passengers
no passengers younger than 18 for first 6 months (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Pays for injuries and property damage your teen causes to others in an at-fault accident. Nevada's $25,000 per person minimum is dangerously low for families with assets to protect.
Uninsured Motorist Coverage
Covers your family's medical bills and vehicle damage when a teen driver is hit by an uninsured or underinsured driver, or in a hit-and-run.
Collision Coverage
Pays to repair or replace your vehicle after a teen driver causes an accident, regardless of fault. Essential if the vehicle is financed or worth more than a few thousand dollars.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Protects against risks unrelated to your teen's driving skill.
Medical Payments Coverage
Pays medical bills for you and your passengers after an accident, regardless of fault. Acts as a supplement to health insurance with no deductible.
Rental Reimbursement and Roadside Assistance
Rental reimbursement covers a rental car while your teen's vehicle is being repaired after a covered claim; roadside assistance covers towing, lockouts, flat tires, and dead batteries.