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Let us search over 40 insurance carriers to find you the best auto insurance policy that will match your needs with a rate. Feel confident knowing that when your car insurance rates increase or changes in life occur, we have a policy that will work for your driving needs.  Whatever you drive, we will have a policy for you.

All Risk Insurance Solutions will work with you to find the best coverage for your cars by shopping our large variety of carriers and policies.  To learn more about auto insurance, and what you may need, you can read our educational information below.

Explore Auto Insurance

What is Auto Insurance?

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Auto Insurance is a product that provides financial protection for cars, trucks, motorcycles, and other road vehicles from loss, physical damage, and/or bodily injury liability resulting from a traffic collision, theft, or other losses.

How much should I expect auto insurance to cost?

Insurance companies look at a number of different factors when determining the cost of your insurance. These factors include, but are not limited to:
  • Driving record
  • Claims history
  • Where the vehicles are garaged
  • How the vehicles are used-personal, business, stored
  • Gender and age
  • Marital Status
  • Make and model of your vehicle


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Nevada Minimum Coverages are:


Bodily Injury Liability

This is what kicks in from your policy if you cause injury to someone else while driving. In Nevada, you are required by law to maintain a policy.


Property Damage Liability

This is what protects you if you cause damage to someone else’s property. The state of Nevada requires you to maintain a policy.



This is coverage that is used to repair or replace your vehicle following an accident. Examples include a collision with a car, tree, or some other object.


Medical Payments Coverage

Medical Payments coverage pays for treating injuries to you and your passengers without regard to fault. It also pays for treating injuries resulting from being struck as a pedestrian or bicyclist by a motor vehicle.


Comprehensive Auto Insurance

Comprehensive or other than collision coverage insures you against theft or other damage to your vehicle resulting from causes other than collision. Other causes may include damage from wind, falling objects, fire, flood, or vandalism.


Uninsured or Underinsured Motorist Coverage

If you or your passengers are injured in an accident in which the other driver is at fault and either does not have insurance (uninsured) or does not have enough insurance (underinsured) to pay all of your loss, this coverage pays for the medical costs of you and your passengers.
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We are often asked why is car insurance mandatory?

The easy answer: it is the law of Nevada. It was apparent very early on that cars would crash and that these crashes would create damages. As the number of crashes increased in frequency, it became quite clear that, unlike other torts, which relied on personal responsibility, there was a possibility that automobiles would need to be governed by laws because there was no way of assuring that even though fault was assessed, the victim of the automobile collision would be able to be made whole again.

The person who caused the crash would be considered at fault and would often not be able to pay for the damages caused. In the early 1920s, Massachusetts  and Connecticut became the first two states to write compulsory car insurance laws.  Pooled solutions were created to help cover the costs of at-fault drivers so they wouldn’t default on their payouts.  Liability insurance is also known as casualty insurance offers bodily injury and property damage for which the insured driver is deemed responsible.
By law, all drivers in Nevada must purchase auto insurance.

You also may be required to have an insurance company certify that you have insurance, which must be continuously maintained for a three-year period. Most insurance companies charge an additional fee for this certification (commonly called an SR-22).

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Have any questions? Ask us anything, we’d love to answer!

All Risk Insurance Solutions is your one-stop shop in Henderson, Clark County, Nevada
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