Motorcycle Insurance for Nevada
Nevada motorcycle insurance for riders who know the roads.
From the Extraterrestrial Highway on State Route 375 to the east shore of Lake Tahoe on State Route 28, Roamly works with carriers who understand how Nevadans actually ride.
Nevada at a Glance
Requirement
Details
Minimum liability
25/50/20 ($25k bodily injury per person, $50k per accident, $20k property damage), in place since July 1, 2018. Insurers must offer uninsured/underinsured motorist coverage and at least $1,000 of medical payments coverage on motorcycle policies.
Helmet law
Required for every operator and passenger, at every age. Riders also need glasses, goggles, or a face shield unless the bike has a transparent windscreen that meets state standards.
Lane splitting
Illegal, and so is filtering. Nevada law bars riding between moving or stopped vehicles in adjacent lanes. Riders asked lawmakers in 2026 to legalize filtering, but the law hasn't changed.
Registration
No safety inspection, and motorcycles are exempt from emissions testing. As of September 2026, registration is $33 plus a $6 motorcycle safety fee and the Governmental Services Tax, which is based on the bike's original MSRP and age. Clark and Churchill counties add a supplemental tax.
Requirements and regulations may change. Verify with the Nevada Division of Insurance and the Nevada Department of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Nevada
Nevada has a universal helmet law, bans both lane splitting and filtering, and checks electronically that your bike stays insured — even when it's parked for the season. Here's what actually shapes your policy.
Nevada's 25/50/20 Minimum
Since July 1, 2018, the state has required 25k/50k bodily injury and $20k property damage. Insurers must also offer uninsured/underinsured motorist coverage and at least $1,000 of medical payments coverage on motorcycle policies — neither is mandatory to buy, but both are worth a look. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Low Rider S with the mini-apes and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders fly into Las Vegas to ride Red Rock Canyon, the Valley of Fire, and the Extraterrestrial Highway. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a DUI revocation, or if your insurance lapses for 91 days or more, the Nevada DMV requires an SR-22 for three years — and if it lapses, the clock starts over. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like out on State Route 375, where towns are few and far between. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — Nevada requires a helmet for every rider, and desert sun is hard on gear. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
Visitors landing in Las Vegas and Reno want to see the desert and Lake Tahoe from a bike, and yours can do more than sit in the garage between your own rides. Listing it on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Nevada Actually Requires
Nevada mandates 25/50/20 liability coverage for motorcycles, the same as for cars. That's $25k per person and $50k per accident for bodily injury, plus $20k for property damage. Insurers must offer uninsured/underinsured motorist coverage and at least $1,000 of medical payments coverage, and Nevada is an at-fault state with no PIP, so both options deserve a close look. Every rider and passenger needs a helmet, plus eye protection unless the bike has a qualifying windscreen. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Nevada law references current as of September 2026 — confirm current requirements with the Nevada Division of Insurance and the Nevada Department of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Nevada requires 25/50/20 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. Insurers must also offer uninsured/underinsured motorist coverage. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Nevada Division of Insurance.
Yes. Nevada has a universal helmet law — every operator and passenger, at every age, needs a helmet that meets the U.S. DOT standard. You also need glasses, goggles, or a face shield unless your bike has a transparent windscreen that meets state standards.
It depends on your bike, riding history, where you live, and the coverage you pick. Adding uninsured/underinsured motorist coverage, medical payments, collision, or comprehensive will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability is what Nevada requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or fire. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Nevada DMV to prove you carry at least the minimum coverage. Nevada requires it for three years after a DUI revocation or other serious violations, and also if your insurance lapses for 91 days or more. If the SR-22 lapses, your license is suspended again and the three years start over. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Nevada's credit law limits how insurers use it: they can't deny, cancel, or non-renew based on credit, or set renewal rates from it, without also weighing other factors, and medical collections can't count against you. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Cancel the registration first. Nevada checks insurance electronically through NV LIVE, and if a registered bike loses coverage, the DMV suspends the registration. As of September 2026, reinstating it on a first offense costs $250 to $1,250 depending on how long coverage lapsed, and a lapse of 91 days or more also brings a three-year SR-22 requirement. We can help you figure out the right move before you park it.
Still have questions?
Call us at 877.725.1245
Nevada Motorcycle Insurance Quotes in Minutes
Nevada motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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