Teen Driver Insurance in Nevada

Tojocu Editorial Team | Last verified: April 2026

Nevada operates a graduated driver licensing program designed to minimize specific risks that have been documented as major factors in teen driver crashes and fatalities. The GDL program helps teenage drivers gain experience in a safer, more secure environment through three different stages. Young drivers can obtain an instruction permit at age 15½, begin the graduated licensing process, and progress through increasingly independent driving privileges. A teenager receives a full unrestricted license once they turn 18 years of age, or they can apply for a full license if they hold an intermediate license for one year without any driving violations.

Licensing Timeline

With a permit, teens must complete either 50 hours of driving and a classroom driver's education course or 100 hours of driving practice if a classroom course is not offered within a 30-mile radius and they do not have internet access. After six months with a permit, a teen may apply for a provisional license. To obtain a minor driver's license, teens must be at least 16 years of age, have held a permit for at least six months, have no at-fault crashes, moving violations, or drug/alcohol offenses in the six-month permit period, and pass an on-the-road driving test.

GDL Restrictions

The intermediate license allows teens to drive unsupervised except during nighttime hours between 10 PM and 5 AM. For the first six months that a teen holds this license, they are not allowed to have any passengers under the age of 18 in the car, except for their own siblings. Teens may not drive between 10:00 p.m. and 5:00 a.m. except for school events and work. During the permit phase, teens must be accompanied by a licensed driver who is at least 21 years old with at least one year of driving experience.

Permit holding period: 6 months. Nighttime restriction: No driving between 10:00 PM and 5:00 AM. Passenger restriction: No passengers under 18 for first 6 months of intermediate license. Cell phone restriction: Standard hands-free laws apply. Supervisor requirement: Licensed driver age 21+ with at least 1 year experience. Nighttime exceptions include: work, school events. Passenger exceptions include: family members.

Insurance Requirements

Nevada requires automobile liability insurance policies to carry minimum coverage of $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $20,000 for injury to or destruction of property of others. Nevada has no grace period, and a one day lapse in insurance coverage will result in a possible suspension of registration with a minimum penalty of $250 reinstatement fee.

Minimum liability limits: $25,000 bodily injury per person / $50,000 per accident / $20,000 property damage. Insurance system: at-fault. Optional coverage available.

Insurance Considerations for Teen Drivers

Teen drivers typically face significantly higher insurance premiums due to their inexperience and higher risk profile. Nevada's relatively low minimum coverage limits may not provide adequate protection in serious accidents, and families typically consider higher liability limits and additional coverage options like comprehensive and collision to better protect their assets and ensure adequate coverage for potential damages.

Practice Paths to Licensure

Option 1: Complete driver education course and log 50 supervised driving hours (10 at night). 50 supervised hours required; 10 night hours required; driver education required; road test required.

Option 2: Complete 100 supervised driving hours (10 at night) if no driver education course within 30 miles and no internet access. 100 supervised hours required; 10 night hours required; road test required.

Fees

Permit fee: $23.25. License fee: $25. Testing fee covers both written and skills tests.