Las Vegas is one of the most expensive cities in the country for car insurance—and one of the riskiest places to be underinsured. A lot of drivers in Clark County choose the state minimum just to keep their monthly bill down. We get it. But the 25/50/20 limits Nevada requires weren’t designed to protect you in a real accident. They were designed to keep you legal. There’s a big difference. To help you better understand Las Vegas insurance minimums, the Las Vegas car accident lawyers at ER Injury Attorneys have prepared this handy guide.
Las Vegas Insurance Minimums: What Does 25/50/20 Really Cover?
Nevada’s minimum liability coverage breaks down like this:
- $25,000 per person for bodily injury
- $50,000 total per accident for bodily injury
- $20,000 for property damage
Sounds like a lot—until you look at what things actually cost.
A single ER visit and an MRI at Sunrise Hospital can run $15,000 or more before a single surgery is even on the table. If the accident involves multiple passengers in the other vehicle, that $50,000 has to be divided between all of them. Meanwhile, the average price of a new car in 2026 is over $48,000. Total a luxury SUV on the Strip, and your $20,000 property damage limit leaves a gap of $28,000 or more that comes straight out of your pocket.
Nevada’s Uninsured Driver Problem
Here’s something that doesn’t get talked about enough: roughly one in five Nevada drivers is either uninsured or driving an unregistered vehicle. That means every fifth car sharing the road with you on I-15 may have no coverage at all.
If one of those drivers runs a red light and hits you, and you only have the state minimum liability coverage, you’re looking at zero protection for your own medical bills or vehicle repairs.
That’s why Uninsured/Underinsured Motorist coverage—also called UM/UIM—isn’t just a nice extra. It’s essential. It steps in when the at-fault driver can’t or won’t pay.
MedPay: The Coverage Most People Skip
Las Vegas has some of the highest rates of hit-and-run accidents in the country. When the at-fault driver disappears, you still need to get to the hospital—and those bills don’t wait for a settlement to close.
That’s where Medical Payments coverage, or MedPay, comes in. It’s a no-fault add-on that pays your initial medical bills regardless of who caused the crash. No waiting, no disputes, no deductibles.
Nevada insurers are required by law to offer MedPay with every policy. It acts as a financial bridge while the bigger claim gets sorted out, and it can make a real difference in the early weeks after an accident.
When Minimum Coverage Gets You Sued
Let’s say you’re at fault in a crash. Your insurance pays out its limits—$25,000 for injuries—but the other driver’s medical bills come to $80,000. That remaining $55,000 doesn’t just disappear.
The other party’s attorney can come after your personal assets, your savings, and your home equity. In Clark County, Criminal Traffic Court can also garnish your future wages to satisfy a judgment that exceeds your policy limits. Minimum coverage doesn’t shield you from that—it just marks the point where your insurer stops paying and you start.
Bumping your limits from 25/50 to 100/300 costs far less than most people expect—often less than a single dinner out in Summerlin—and it changes everything if something goes wrong.
Here to Help with Las Vegas Insurance Minimums
The Las Vegas injury lawyers at ER Injury Attorneys are here to provide you with the information you need on how Las Vegas insurance minimums work, and we’re here if you need help with the claims process after a wreck.
ER Injury Attorneys is available to assist you 24 hours a day, 7 days a week. You can reach us right now by dialing 702-878-7878 and online through LiveChat or the contact form.
ER Injury Attorneys represents accident victims throughout Southern Nevada, including Henderson, Summerlin, Pahrump, Boulder City, Laughlin, and beyond. Get in touch with us today to get the legal advocacy you need.
The information on this blog is for informational purposes only. It is not meant to serve as legal advice for an individual case or situation. This information is not intended to create an attorney-client relationship nor does viewing this material constitute an attorney-client relationship.