Las Vegas Office: 6655 W Sahara Ave #A100, Las Vegas, NV 89146 (Open until 5:00pm)

Frequently asked questions

Quick answers about quotes, coverage, payments, and working with a local independent agency. Still have a question? We are a call or text away.

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  • No broker fees
  • Bilingual local agents
  • NV, AZ, UT, TX & OH

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By state

Car insurance requirements in your state

We are licensed in five states, each with its own minimums. Pick your state to see what’s required.

Nevada 25/50/20

Minimum liability: $25,000 bodily injury per person, $50,000 per accident, $20,000 property damage.

At-fault (tort) state.

  • Uninsured/underinsured motorist coverage must be offered (you may reject it in writing).
  • SR-22 filing available for high-risk drivers.
  • Continuous coverage is verified electronically — a lapse can suspend your registration.

Source: Nevada DMV — minimum insurance requirements; NRS 485.185 (2025).

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Questions

Common questions, answered

What is Liberty Choice Insurance?
Liberty Choice Insurance is a local, independent insurance agency based in Las Vegas and licensed in Nevada, Arizona, Utah, Texas, and Ohio. Because we are independent, we compare 20+ carriers to find you savings, instead of selling a single company's policies.
How does an independent agency find me a lower rate?
Instead of getting one price from one company, we shop your profile across 20+ carriers in a single application and bring back a competitive rate you qualify for. Carriers price the same driver or home very differently, so comparing is where the savings come from.
Which states are you licensed in?
We are licensed in Nevada, Arizona, Utah, Texas, and Ohio. If you live or run a business in any of these states, we can help with personal and commercial coverage.
Do you charge any fees to get a quote?
No. Quotes are always free and there are no broker fees. You only pay your insurance premium, the same as you would going direct, with the added benefit of having a local agent shop the market for you.
How do I get a quote?
Four easy ways: start online in about two minutes, call us, send a text, or visit our Las Vegas office. Whichever you choose, a licensed agent reviews your options with you, with no obligation.
Do you have Spanish-speaking agents?
Yes. Our team is bilingual, and this entire site is available in Spanish. You can get a quote and service your policy in English or Spanish, whichever you prefer.
What types of insurance do you offer?
On the personal side: auto, home, renters, condo, motorcycle, RV, classic car, umbrella, and SR-22. On the business side: general liability, business owners policies (BOP), workers' compensation, commercial auto, and coverage tailored to your industry. Browse all coverages from the menu.
How do I make a payment or file a claim?
Payments and claims are handled directly with your insurance carrier. We will point you to the right phone number or portal and, if you ever get stuck, your Liberty Choice agent is happy to help you reach them and advocate on your behalf.
Where is your office and what are your hours?
Our office is at 6655 W Sahara Ave #A100 in Las Vegas. Stop by during office hours, or call or text us anytime at 702-742-6322. Outside office hours, our chat assistant can help and a live agent follows up.
Can you help if I have a ticket, an accident, or need an SR-22?
Yes. We work with carriers that accept high-risk drivers, and we can file an SR-22 certificate quickly, often the same day. Even with a DUI, a lapse, or a recent claim, comparing carriers usually finds a more affordable option.
Will switching insurance companies cost me anything?
Usually not. Most policies can be canceled at any time, and many carriers refund any unused premium. We help you time the switch so there is no gap in coverage and no surprise fees.
How much can I save by bundling policies?
Bundling auto with home or renters insurance commonly saves 10-25% across both policies. We will check bundle pricing for you automatically when we run your quote.
Why use Liberty Choice instead of going straight to a carrier?
With one application you get rates from 20+ carriers, a local agent who knows Nevada's rules, and someone in your corner at claim time, all at no extra cost. Going direct ties you to one company's price and service.
Do you offer business and commercial insurance?
Yes. We cover small and growing businesses with general liability, business owners policies, workers' compensation, commercial auto, and industry-specific programs for contractors, restaurants, retail, professional offices, and trucking.

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