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Nevada Motorcycle Insurance Requirements

Nevada Motorcycle Insurance Requirements

Nevada is located in the Western region of the United States and is best known for the city of Las Vegas. Over three-quarters of the state’s land is owned by various U.S. federal government agencies including military and civilians. The name “Nevada” is derived from the Spanish term “Sierra Nevada” which translates to “snow-covered mountains.” It is officially nicknamed the “Silver State” due to the influence of silver on its economy as well as historically.

It is also commonly referred to as the “Battle Born State” because it became a state during the U.S. Civil War. Another common unofficial nickname is the “Sagebrush State” in reference to the native plant that can be found throughout the state. Most individuals know that gambling is legalized and that the states casinos attract many tourists. It is the only state that has areas in which prostitution is legal. Tourism is the biggest contributor to the state’s economy, but mining also has a big economic influence.

Nevada Motorcycle Insurance Requirements

Are you considering getting a motorcycle to ride in Nevada? If so, you are going to need to get some sort of insurance before you ride. Having insurance helps protect your assets in the event that you get into an accident. Nobody ever thinks they’ll get into an accident, but the fact is that they do happen. If you don’t have insurance and you get into a crash, not only will you get into legal trouble, but you will end up having to pay for everything out of your personal savings.

How to Establish Financial Responsibility in Nevada

In order to legally drive in the state of Nevada, you must make sure that you have some sort of liability insurance. In other states, you may be given insurance alternatives, but in Nevada you must have insurance. You can either buy a policy from a licensed provider or you can apply for self-insurance if you meet eligibility requirements.

  • Liability Policy – You can get liability insurance through a state-licensed carrier. Make sure that the policy meets state requirements before you drive.
  • Self-Insurance Policy – The state of Nevada requires that you have 10+ vehicles registered to your name before you can apply for self-insurance. In most cases this option is geared towards owners of fleets and businesses.

Motorcycles / Two-Wheeled Vehicles Defined

It is important to understand whether you are operating a motorcycle, moped, or scooter. Although differences between these types of two-wheeled vehicles can be subtle, it is important to understand your vehicle classification. You will be required to obtain a title, registration, proper licensing, and insurance before you drive any of these vehicles.

Motorcycle: A motorized vehicle with a saddle or seat for the rider that operates on no more than 3 wheels in contact with the ground. This definition includes power cycles, but not tractors or mopeds. Since motorcycles are grouped in the same category as standard passenger vehicles, they require title and registration as well as insurance.

Moped: A motor-driven scooter that is propelled by a small engine which produces no more than 2-brake horsepower and has an engine displacement that doesn’t exceed 50 cc. It also must not produce more than 1500 watts final output. Maximum speed must not exceed 30 mph on a flat surface and it must travel on no more than 3 wheels. This term does not include electric bicycles.

Note: If you are unsure about your particular vehicle or have additional questions regarding classification or insurance laws, you can contact the Nevada Dept. of Motor Vehicles (DMV) at one of the numbers below.

Nevada DMV Contact Info.
Las Vegas Area:  (702)-486-4368 (486-4DMV)
Reno / Sparks / Carson City:  (775)-684-4368 (684-4DMV)
Rural Nevada:  (877)-368-7828 Toll Free

Nevada Motorcycle Insurance Minimum Requirements

Each state has minimum requirements that must be met on your insurance policy before you can ride your motorcycle. Not only do you need to buy a policy from a provider that is licensed to do business in Nevada, but you need to meet the coverage requirements below.

Liability Insurance:

  • $15,000 bodily injury per person

  • $30,000 bodily injury per accident

  • $10,000 property damage per accident

You may see the minimums abbreviated as a “15/30/10” policy. This just shows the amount (in thousands of dollars) that is needed for each aspect of coverage. Be sure to understand that the amounts listed above are just the bare minimums. If you don’t need much coverage to make you feel secure, sure you can get the bare amount of coverage. However, talk to your insurance provider and consider getting extra coverage if you would like to be better protected.

Nevada Laws: Safety & Licensing Requirements

Not only do you need sufficient insurance to ride in this state, but you need to follow Nevada rules and regulations. In other words, know what type of license you need, whether you need to wear a helmet and if you should wear eye-protection before you hit the road.

  • Helmets – All individuals are required to wear a helmet while on a motorcycle (both drivers and passengers). Helmets must be in compliance with the FMVSS 218 standard.
  • Eye Protection – All motorcyclists are required to wear protective eyewear unless their motorcycle has a windshield screening their eyes.
  • Headlights – It is not required to use headlights during the daytime, but it is recommended for increased visibility.
  • Licensing – All drivers must obtain a Class M motorcycle license before driving. To obtain the Class M license, you will need to complete an official course including both a written and driving skills test.

Proof of Insurance in Nevada

Nevada requires that all operators of motor vehicles carry liability insurance. It created a program called Nevada LIVE Insurance Program (Liability Insurance Validation Electronically) to make sure that all drivers have sufficient coverage. Although this program has been implemented, you still may want to carry your insurance card with you while driving.

Penalty for Lack of Insurance in Nevada

If you are caught without insurance in this state, you will have to face various legal consequences. Your registration may get suspended, you may be issued a fine, etc. In order to avoid these penalties, it is your job to make sure that you maintain up-to-date insurance coverage.

  • Citation: If you are caught without insurance, you may be issued a citation. You will be expected to pay it as well as get adequate insurance before you drive again.
  • Suspended Registration: A police officer may suspend your registration if they find that you have been driving without insurance.
  • Reinstatement Fees: In order to get your registration reinstated, you will have to pay $250 as a reinstatement fee and you will need to provide proof of insurance. In other words, before your registration is reinstated, you need to also have a current insurance policy. You will need to contact the Nevada DMV to get your motorcycle registration reinstated.

Nevada Motorcycle Insurance Companies

In order to find a top notch insurer that fits your needs as a driver, you need to do some research. The goal here is not necessarily to find the cheapest policy, but it’s to find a policy that meets your needs at a price you can afford. So where should you start your search? Perhaps the best place to search for a provider is online.

You can use the 100% free form below (or at the top of the page) to enter your Zip Code and check out a list of the leading providers in your city. From this list, all you need to do is compare quotes. It is completely free to get quotes and determine how much you would be paying for a specific policy. Once you have compared rates and coverage amounts, you can choose one that offers you the best deal. If you would like to learn more about a certain company, be sure to read their review on this site!

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