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
What is Nevada's minimum liability coverage for property damage in one crash?
$25,000
$10,000
$5,000
$20,000
Show the answer
$20,000
The policy must also cover at least $25,000 per person and $50,000 per crash for injuries.
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 Where the handbook is silent or out of date, the Nevada Revised Statutes on leg.state.nv.us (chapters 202, 483, 484A to 484E, 485 and 486, read 2026-11-10, with amendments through the 2025 session and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 Handbook statements found out of date or inexact, and how they were handled: (1) drivers under 21 at 0.02 to under 0.08: the handbook (pp. 13, 80) gives a 185-day revocation, NRS 483.461(1) a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.