Nevada Insurance & Collisions practice test

Practice required coverage and what to do after a crash: 24 questions based on the Nevada Driver's Handbook, 11 of them on Nevada's own rules.

Key Nevada facts: Insurance & Collisions

  • Every registered vehicle must be continuously insured for at least $25,000 for injury or death of one person, $50,000 for two or more people, and $20,000 for property damage in any one crash. NRS 485.185(1); handbook Chapter 8, PDF p. 75
  • Evidence of insurance must be in the vehicle, either as the card from the insurer or in electronic form on a mobile device, and must be shown to an officer on request. NRS 485.187(1)-(2); handbook Chapter 8, PDF p. 75
  • Driving without the required insurance is a misdemeanor with a fine of $600 to $1,000; for a first violation the fine drops to $100 if the driver gets a policy by sentencing. NRS 485.187(3)
  • The DMV's NV LIVE program finds lapses in insurance; a registration suspended for a lapse brings a reinstatement fee and fines from $250 up to $1,750 per vehicle, and possibly an SR-22 or a 30-day license suspension. Chapter 8, PDF p. 75
  • If police did not investigate a crash with injury, death or apparent damage of $750 or more, the driver must send a crash report (form SR-1) to the DMV within 10 days. NRS 484E.070(2)-(3); handbook Chapter 8, PDF p. 75

Sample Insurance & Collisions questions

You cancel your Nevada insurance and buy no new policy. What must you also do that same day?

  • Nothing until the plates expire at renewal
  • Cancel the registration and turn in the plates
  • Buy an out-of-state policy to cover the car
  • Notify your bank or lender about the change
Show the answer

Cancel the registration and turn in the plates

Out-of-state insurance is not accepted for a Nevada-registered vehicle.

Source: Nevada Driver's Handbook, Chapter 12, Liability Insurance Information, PDF p. 83

Police did not investigate your crash, which caused $800 in damage. What must you do?

  • Send an SR-1 report to the DMV in 10 days
  • Call your insurer within 30 days only
  • Report it at your next renewal
  • Nothing, since no one was hurt
Show the answer

Send an SR-1 report to the DMV in 10 days

A report is needed for injuries, deaths or apparent damage of $750 or more.

Source: NRS 484E.070, NRS 484E.070(2)-(3); handbook Chapter 8, PDF p. 75

What fine range applies to driving without insurance in Nevada?

  • $50 to $100
  • $200 to $400
  • $2,000 to $5,000
  • $600 to $1,000
Show the answer

$600 to $1,000

For a first violation the fine drops to $100 if you get a policy by sentencing.

Source: NRS 485.187, NRS 485.187(3)

You hit an unattended parked car and cannot find the owner. What must you do?

  • Wait until the next day to report it
  • Only call your own insurer
  • Leave a note with your name and address
  • Drive away, since the damage is small
Show the answer

Leave a note with your name and address

The note must also give the name and address of the vehicle's owner and be attached securely.

Source: NRS 484E.040, NRS 484E.040(1); handbook Chapter 8, PDF p. 76

What does the DMV's NV LIVE program do?

  • Schedules road and drive tests
  • Issues disabled parking placards
  • Finds lapses in vehicle insurance
  • Tracks speed camera tickets
Show the answer

Finds lapses in vehicle insurance

A registration suspended for a lapse brings a reinstatement fee and fines.

Source: Nevada Driver's Handbook, Chapter 8, PDF p. 75

What is Nevada's minimum liability coverage for injury or death of one person?

  • $15,000
  • $25,000
  • $10,000
  • $50,000
Show the answer

$25,000

The minimums are $25,000 for one person, $50,000 for two or more and $20,000 for property damage.

Source: NRS 485.185, NRS 485.185(1); handbook Chapter 8, PDF p. 75

How may you carry proof of insurance in Nevada?

  • Only as a card in the trunk
  • Only as a copy kept at home
  • On paper or on a mobile device
  • Only as a paper card
Show the answer

On paper or on a mobile device

You must show it to an officer on request.

Source: NRS 485.187, NRS 485.187(1)-(2); handbook Chapter 8, PDF p. 75

What license penalty follows a failure to stop and render aid after an injury crash in Nevada?

  • A 30-day suspension
  • Two demerit points
  • A written warning
  • A one-year revocation
Show the answer

A one-year revocation

Drivers must stop, give their information and help anyone who is hurt.

Source: NRS 483.460, NRS 483.460(1)(b)(2)

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About these questions

We wrote these practice questions from the facts in the Nevada Driver's Handbook (DMV 700, March 2024 (cover 'DMV 700 March 2024', copyright 2024; dlbook.pdf on dmv.nv.gov, 86 PDF pages; key changes listed for pp. 8, 20 and 67), read 2026-11-10. Printed page numbers equal PDF pages, and the citations use them. Where the handbook is silent or out of date, the Nevada Revised Statutes on leg.state.nv.us (chapters 202, 483, 484A to 484E, 485 and 486, read 2026-11-10, with amendments through the 2025 session and the 2025 36th Special Session; where a section has two versions, the one in effect, keyed to the federal 0.08 rule, was used) and the DMV's Teen Driving, Written Knowledge Test, Instruction Permit, Driver Education, Road Test, First License and Adult Driver pages (read 2026-11-10) are the source. Handbook statements found out of date or inexact, and how they were handled: (1) drivers under 21 at 0.02 to under 0.08: the handbook (pp. 13, 80) gives a 185-day revocation, NRS 483.461(1) a 90-day suspension; questions follow the statute; (2) first DUI: the handbook (p. 80) orders treatment at 0.08 or more, NRS 484C.400(1)(a)(4) at 0.16 or more; questions follow the statute; (3) second DUI: the handbook gives 10 days to 6 months plus 100 to 200 hours of community service, NRS 484C.400(1)(b) 20 days to 6 months and a $750 to $1,000 fine or equivalent community service; questions follow the statute; (4) DUI causing death: the handbook gives 2 to 20 years, NRS 484C.430(2)(a) 2 to 25 years (2 to 20 years is the range for substantial bodily harm); only the substantial bodily harm range is tested; (5) marijuana: the handbook (p. 79) states the 2 and 5 ng/mL blood limits as a general rule, while NRS 484C.110(4) now applies them only to felony-level DUI cases; not tested; (6) move-over: the handbook (p. 61) says to slow to less than the posted limit, NRS 484B.607(1) (amended 2023) says a reasonable and proper speed; questions use the statute; (7) teen curfew: the handbook (p. 15) and NRS 484B.907 allow driving to or from a scheduled event, while the DMV Get Your Teen License page lists school or work; questions use the statute; (8) parking: NRS 484B.450(1)(n) also bans parking within 5 feet of a driveway, which the handbook (p. 50) does not list, and the 20-foot hydrant distance for angle parking applies only where a local ordinance requires it; questions use the 15-foot rule and the statute's 5-foot rule; (9) passing on the right: the handbook (p. 47) says the shoulder may never be used to pass, while NRS 484B.210(1)(c) allows passing on unmarked pavement for up to 200 feet in limited cases; not tested, and common-lanes-0037 is excluded; (10) left-lane rule: the handbook (p. 47) speaks of a highway with two lanes, NRS 484B.208 limits it to controlled-access highways and also exempts HOV lanes and road work; questions use the statute; (11) fees: the handbook's permit and license fee of $22.25 differs from the DMV pages ($22.50); fee amounts are not tested except the $25 test fee and $10 retest fee, which agree; (12) the handbook's Chapter 10 cross-references for SR-22 point to Chapter 6 instead of Chapter 8; harmless. The handbook does not mention the hands-on defensive driving course that NRS 483.2521(3) accepts in place of supervised hours; not tested. Many traffic violations are civil infractions since 2023 (NRS 484A.703 to 484A.705); questions avoid misdemeanor wording except where a statute still uses it. edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.

DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Nevada Department of Motor Vehicles (DMV), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.