Nevada insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Nevada. Updated May 9, 2026.
Nevada DOI page content changed
Nevada DOI Website · May 15, 2026
Nevada DOI page content changed
Nevada DOI Website · Apr 30, 2026
Department of Insurance
The Nevada Division of Insurance regulates the insurance industry to protect consumers and ensure financial solvency of insurers. It oversees various types of insurance including auto, health, life, homeowners, and workers' compensation.
Auto Insurance
Notable Laws
- NRS 485.185: Requires minimum liability insurance of 25/50/20 for all motor vehicles
- NRS 687B.145: Insurers must offer UM/UIM coverage equal to liability limits, but can be rejected in writing
- NRS 485.3091: SR-22 certificate required for 3 years following DUI or serious traffic violations
- NRS 485.317: Registration suspension for lapse in insurance coverage of 91 days or more
- NRS 687B.310-420: Insurers must provide 30 days notice for cancellation after first 70 days of policy
- Nevada Revised Statutes § 485.185 - Minimum Liability Coverage
- Nevada Revised Statutes § 485.187 - Uninsured Motorist Coverage
- Nevada Revised Statutes § 485.190 - Underinsured Motorist Coverage
- Nevada Revised Statutes § 485.200 - Personal Injury Protection
- Nevada Revised Statutes § 485.205 - Medical Payments Coverage
- Nevada Revised Statutes § 485.185 - Minimum insurance requirements
- Nevada Revised Statutes § 690B.020 - Uninsured motorist coverage
- Nevada Revised Statutes § 690B.023 - Underinsured motorist coverage
- Nevada Revised Statutes § 690B.012 - Medical payments coverage
- Nevada Revised Statutes § 485.309 - Penalties for non-compliance
- Nevada Revised Statutes § 485.185 - Financial Responsibility
- Nevada Revised Statutes § 690B.020 - Uninsured Motorist Coverage
- Nevada Revised Statutes § 690B.023 - Underinsured Motorist Coverage
- Nevada Revised Statutes § 690B.012 - Personal Injury Protection
- Nevada Revised Statutes § 485.309 - Penalties for Non-Compliance
- Nevada Revised Statutes (NRS) 485.185 - Financial Responsibility
- NRS 690B.020 - Unfair Trade Practices
- NRS 690C.100 - Rate Filing Requirements
- NRS 687B.030 - Health Insurance Mandates
- NRS 686A.010 - Insurance Fraud
Homeowners Insurance
Notable Laws
- AB 376 (2025): Allows insurers to exclude wildfire coverage from homeowners policies starting January 1, 2026
- AB 437 (2025): Establishes Nevada FAIR Plan Association to provide property insurance for high-risk areas
- NRS 687B.360: Requires 30 days advance notice for policy nonrenewal with stated reasons
- NRS 686A.680-700: Permits use of credit information in underwriting with consumer protections and disclosures
- NRS 687B.310: Prohibits cancellation after 70 days except for nonpayment, fraud, or specified reasons
- Nevada Revised Statutes § 687B.200 - Homeowners Insurance Disclosure
- Nevada Revised Statutes § 687B.210 - Cancellation and Nonrenewal
- Nevada Revised Statutes § 687B.220 - Credit Scoring Regulations
- Nevada Revised Statutes § 687B.230 - Fair Plan Coverage
- Nevada Revised Statutes § 687B.240 - Flood Insurance Requirements
Recent Bulletins
Requirements for Biomarker Testing Coverage in Policies of Health Insurance
Clarifies that health insurers must provide coverage for medically necessary biomarker testing for cancer diagnosis and management when supported by scientific evidence. Establishes response timelines for prior authorization requests.
View bulletinUnfair Trade Practices in the Sale of Medicare Supplement Policies
Senate Bill 292 requires Nevada insurers to offer the same Medicare supplemental policies to individuals under 65 with disabilities or end-stage renal disease as those offered to seniors. Division will monitor market for compliance.
View bulletinProgram of Flex-Rated Filing: Thresholds for Property Insurance of Real Property
Establishes a Program of Flex-Rated Filing for property insurance as required by Assembly Bill 376. Allows rate increases through SERFF without traditional procedures if rate impact meets criteria. Initial maximum threshold set at 3.000%.
View bulletinRequirement to Use Uniform Credentialing Form NDOI-901 & Associated Forms
Reminds insurers and healthcare organizations to utilize the updated NDOI-901 form along with newly introduced NDOI-901A and NDOI-901B forms when collecting provider credentialing information for health plans and medical staff memberships.
View bulletinCommissioner Gaines Urges Insurers to Support Nevadans Impacted by Federal Government Shutdown
Requests that insurance carriers proactively assist policyholders experiencing financial hardship due to federal government shutdown. Encourages insurers to provide grace periods, waive late fees, and offer flexible payment plans.
View bulletinRecent Law Changes
Regulatory Experimentation Program and Wildfire Coverage Reform
Allows insurers to exclude wildfire coverage from standard homeowners policies and offer it separately. Establishes flex-rated filing program for property insurance allowing 3% rate increases without traditional approval. Creates regulatory sandbox for innovative insurance products.
Homeowners in high-risk wildfire areas must purchase separate wildfire policies or face coverage gaps, potentially increasing costs significantly.
Effective: 2026-01-01
Fair Access to Insurance Requirements (FAIR) Plan
Establishes the Nevada FAIR Plan Association, a nonprofit public entity to provide property insurance for applicants unable to obtain coverage in the voluntary market, particularly in high-risk areas.
Nevada property owners unable to secure coverage in the voluntary market now have access to residual market insurance through the FAIR Plan.
Effective: 2026-07-01
Medicare Supplement Access for Under-65 Individuals
Requires insurers to offer the same Medicare supplemental policies to individuals under 65 with disabilities or end-stage renal disease as those offered to seniors 65 and older. Establishes special open enrollment period from October 1, 2025 to April 1, 2026.
Individuals under 65 with qualifying disabilities now have equal access to Medicare supplemental insurance, expanding coverage options for vulnerable populations.
Effective: 2025-10-01
Timely Processing and Payment of Health Insurance Claims
Establishes clearer, faster standards for how health insurers must process and pay claims. Sets specific timeframes for claim responses and payment to improve the experience of insured individuals.
Policyholders benefit from faster claim processing and payment, with insurers facing penalties for delays beyond statutory timeframes.
Effective: 2025-10-01
Casualty Insurance Definition and Defense Costs
Expands the definition of casualty insurance and codifies requirements for defense costs in liability policies. Clarifies that defense costs must be outside policy limits as established in AB 398.
Commercial policyholders receive greater clarity on coverage limits and defense cost obligations in liability policies.
Effective: 2025-10-01
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