North Las Vegas Auto Insurance

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Dec 13, 2018

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Here's what you need to know...
  • Proof of auto insurance is mandatory in the state of Nevada
  • Full auto insurance coverage is almost always required in North Las Vegas
  • North Las Vegas is the third fastest growing city in Nevada and also the highest for car accident statistics compared to other citiies nearby
  • North Las Vegas may pay as much as $599 for annual auto insurance rates

Throughout the state of Nevada, the Nevada Dept of Motor Vehicles (DMV) requires that all motorists provide proof of car insurance at the time of any and all DMV transactions.

This includes first-time registration, renewals, reinstatements, and license plate changes.

This coverage must be through an agency or company that has been authorized by the Nevada Division of Insurance to conduct business in the state of Nevada and North Las Vegas.

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Minimum Requirements for Car Insurance in Nevada

A binder labeled "requirements".

The following are some car insurance requirements for Nevada:

  • $15,000 bodily injury or death of one person in an accident
  • $30,000 for two with bodily injury or death
  • $10,00 for injury to or destruction of property of others in an accident

In order to enforce Nevada’s car insurance laws in North Las Vegas, an insurance verification program is in place with Nevada authorized car insurance companies to help them verify minimal liability coverage.

Only liability is verified or reported to the DMV. However, before a newly purchased vehicle can be driven off of any North Las Vegas car lot, new owners are almost always required to purchase full coverage car insurance which includes:

North Las Vegas Car Insurance Laws

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In order to operate a motor vehicle in North Las Vegas, Nevada DMV requires that all motorists have current proof of liability coverage to accompany their current registration and valid driver’s license.

To help provide convenience and access to important information regarding your insurance coverage, nearly all insurance companies currently offer the option of conducting insurance business online, including printing a copy of your proof of car insurance card.

Unfortunately, people in today’s fast-paced society put off simple tasks like these or think that having proof of insurance onboard is not important.

Whether you are pulled over for speeding or for having an inoperable tail light, the consequences are the same if you are not carrying proof of insurance in your vehicle.

Even if you can prove that your automobile was insured during the time of being cited, not providing proof of insurance can still result in unnecessary, stress, court fees, and penalties.

Carrying proof of insurance in your vehicle is only one facet of North Las Vegas car insurance laws.

Any changes regarding your current status including, name, address, and in some instances, certain types of insurance coverage, etc. should be promptly reported to DMV, especially if the policy number has changed.

The City of North Las Vegas has no grace period for automobile insurance coverage. Even a one day lapse may result in suspension of registration, no insurance fees of $750, and a $250 reinstatement fee.

In some instances, if your registration has been suspended for a lapse in insurance, the reinstatement fees may be reduced to $50 if a registered owner can verify that:

  • A lapse in insurance was during a period that the vehicle was inoperable due to a major mechanical problem (transmission, engine, etc)
  • The vehicle was being repaired by a licensed mechanic
  • There are receipts for labor and parts

If a North Las Vegas motorist is planning to cancel liability insurance for any reason, including if the vehicle becomes inoperable, they must first surrender their license plates to DMV.

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North Las Vegas Car Insurance Companies vs Agencies

As it is with any city, North Las Vegas has a very competitive, lucrative insurance industry, making it a challenge to find an experienced, reputable insurance company that has your best interest at heart.

Although an insurance company does not actually sell insurance, the term insurance “company” is often used interchangeably with “agency.”

An insurance company’s task is to assess individual and regional risks and to gather other vital information for insurance agencies.

As a consumer, it is imperative you keep this in mind as you invest your time into finding an insurance company whose track record reflects affordable car insurance, customer service, and reliability — ingredients that consumers expect.

If you choose to use an insurance company to conduct business in North Las Vegas, remember that the company is the insurance agency’s middle man.

Conducting business with a North Las Vegas insurance agency omits the middleman.

Average North Las Vegas Car Insurance Rates

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It’s no secret that North Las Vegas has a high rate of car accident statistics compared to that of Las Vegas, Henderson, Summerlin, and other areas.

As a result, the average insurance rates in North Las Vegas are 37 percent above the mean of Nevada average and 8.5 percent above the mean in Clark County.

Annually, North Las Vegas motorists may pay as much as $599 more when compared to Nevada’s overall insurance rates.

Rates will widely vary because insurance companies consider several factors in determining a quote such as:

  • Age
  • Gender
  • Zip code
  • Make
  • Model
  • Gas mileage of the vehicle
  • Claims history
  • Driving history
  • Types of coverage

Compare North Las Vegas Car Insurance Quotes

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While most insurance companies follow basic guidelines for selling insurance packages to consumers, each company offers discounts and incentives that draw the attention of a target audience that has been vastly affected by a failing economy.

Car insurance discounts and packages that offer incentives for safe drivers are among some of these incentives.

Following are a few of the most popular competitive insurance companies in North Las Vegas along with their unique offers:

  • Geico – great discounts for good, safe, mature drivers and military personnel, 24-hour roadside assistance
  • AAA – roadside assistance, towing, locksmith, windshield, rental car reimbursement
  • American Family – family discounts, rental reimbursement
  • Progressive – bundle programs, name your price
  • Traveler’s – Hybrid vehicle discount, student discounts, accident forgiveness

Purchasing auto insurance that is affordable, unique, and reliable in North Las Vegas requires that you are willing to thoroughly research literally dozens of companies or agencies to find the happy medium that you and your family deserves.

Find car insurance rates for your personal needs by entering your ZIP code below!

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