Online insurance policy for car
- There is no need to visit a DMV office for most insurance issues. Use the Internet, telephone or mail.
- Your insurance must be written for Nevada and at least one of the named insured must appear on the vehicle registration. is 15/30/10.
- If you drop the liability insurance on any vehicle for any reason, you must cancel the registration and surrender the license plates. You may cancel the registration through MyDMV and mail the plates. See Plate Surrender.
- If you are new to Nevada, you must notify your insurance company that you have moved here. Your policy must be written for Nevada. Out-of-state insurance is not accepted.
Forms & Brochures
The DMV's Nevada LIVE program helps keep uninsured motorists off the road. We validate the insurance coverage on every vehicle registered in Nevada on a continual basis. It is important that you provide accurate policy information.
You can check the status of your existing insurance and registration online anytime. You will need your license plate number and the last 4 digits of the Vehicle Identification Number (VIN).
See your Certificate of Registration for the VIN and the complete license plate number if you have specialty plates.
If your registration is suspended, you may not drive the vehicle on public streets. See .
|New or Updated Insurance Policy|
You or your agent should update your insurance information with the DMV anytime you make a change to your policy, especially if the policy number has changed. You may receive a verification request if you don't.
You will need your Evidence of Insurance card or policy Declarations Page.
At least one named insured must be in common on your vehicle registration and insurance policy. The name listed should match the name on the insured's driver license. Ensure the Vehicle Identification Number matches on the registration, insurance and the vehicle itself.
Get insurance before you register the vehicle. You must show your Nevada Evidence of Insurance card at registration. You must carry the card and your Certificate of Registration in the vehicle at all times.
Out of state insurance is not accepted. Use the following services to ensure your company and/or agent are licensed in Nevada.
Help! I Got a Notice or a Ticket
If the DMV cannot verify your liability insurance coverage, there are several steps in a process that may lead to a suspension of your vehicle registration and a possible citation by law enforcement.
Please review the following to help resolve your issue. In most cases, there is no need to visit a DMV office.
Do not ignore this notice! A timely response will help prevent a possible registration suspension and law enforcement citation. Respond online or return the postcard even if you have sold the vehicle or moved out of state.
You must respond within 15 days of the mailing date. If the DMV can confirm that you have had continuous coverage, the process ends. If not, the DMV will issue a Certified Letter.
Nevada has no grace period. A one-day lapse in coverage will result in a registration suspension. Out-of-state insurance is considered a lapse. Use the Insurance and Registration Status Inquiry to see your current status.
|Certified Letter, Registration Suspension and Reinstatement|
If your coverage has actually lapsed or we cannot confirm coverage at all, the DMV will send a Certified Letter notifying you that your vehicle registration will be suspended. This will take effect 10 days after the date of mailing.
You may not drive your vehicle on public streets with a suspended registration.
The certified letter will contain an access code and instructions. You may also reinstate at a DMV kiosk or in person at an office. You must reinstate in person if you have an SR-22 requirement as outlined under Penalties.
You must have current insurance and meet the requirements listed under . See for details.
|Law Enforcement Citations|
A law enforcement citation is separate from any DMV action. You must take care of the citation with the court listed on it and then resolve the DMV issues separately.
There are two types of citations related to insurance. They have differing consequences with the DMV:
If you were cited for no insurance and you are convicted, you will be subject to a driver license suspension. You will have to reinstate your driver license and carry SR-22 insurance coverage. See License Suspensions and Revocations.
Again, the court case and any DMV sanction are separate actions and must be taken care of individually.
Reinstatements & Penalties
To reinstate a suspended vehicle registration, the owner must provide current insurance that has been verified by the company and meet the requirements listed under .
To reinstate by fax you will need to fax a completed Payment Authorization form (NVL 007), along with a notarized Declaration of Responsibility (NVL 019) and a current Nevada Evidence of Insurance card. The Nevada LIVE fax number is (775) 684-4543.
You may use our online Insurance Verification Reinstatement or a kiosk if your registration is actually suspended and if you meet the following qualifications:
- You have obtained Nevada liability insurance on the vehicle.
- Your insurance company has validated the new coverage.
- You have the certified suspension notification letter from DMV that contains an access code.
- Your vehicle registration is actually suspended or you have been sent a postcard verifying your insurance information.
You will also be given the option to renew your registration if it would be otherwise expired or due for renewal within approximately 30 days. If your vehicle requires an emission inspection and your registration is suspended, you must pay the reinstatement fee and obtain a movement permit to drive the vehicle for the test. Show the old registration slip or other proof of ownership at any DMV office to obtain a permit.