Cheapest and Best Non-Owner Car Insurance in Nevada (2024)

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ByMark Fitzpatrick
Edited byScott Strandberg
ByMark Fitzpatrick
Edited byScott Strandberg

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner car insurance is designed for individuals who don’t own cars but need liability coverage when driving. It provides protection for property damage and bodily injury caused to others in an accident where the policyholder is at fault. It doesn’t cover personal injuries or damages to the policyholder’s vehicle. Drivers who frequently borrow or rent vehicles can greatly benefit from this insurance. It’s also a cheaper option to comply with the minimum requirements for car insurance, especially if you have an SR-22.

State Farm is the cheapest option for non-owner car insurance in Nevada, whether you have a violation on your driving record or not. It’s our best pick for balancing affordable rates and good customer service.

MoneyGeek Logo IconNon-OwnerCar InsuranceNevada

Why Trust MoneyGeek? MoneyGeek sourced Nevada data from Quadrant Information Services and examined customer and claims satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

360Plans Analyzed
8Providers Compared

Cheapest Non-Owner Car Insurance in Nevada

These companies offer the cheapest non-owner car insurance in Nevada:

  • Drivers with clean records: State Farm ($38 per month)
  • Drivers with violations: State Farm ($43 per month)

There’s a $5 difference between the rates for drivers with clean records and drivers with at-fault accidents. Drivers with violations tend to have more expensive rates, as insurers view them as high-risk clients. Therefore, one of the best ways to get affordable rates is to drive safely.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Nevada

Drivers with clean records can find the most affordable policies from these companies:

USAA has the cheapest rates among the companies we analyzed for this category. However, its services are limited to members of the military community, making it the best option for active-duty members, veterans and their families.

In the U.S., the average cost of non-owner car insurance is $43 per month, so State Farm is the only company that can beat this average in Nevada.

State FarmCheapest Annual Premium$452Cheapest Monthly Premium$38
GEICOCheapest Annual Premium$606Cheapest Monthly Premium$50
NationwideCheapest Annual Premium$696Cheapest Monthly Premium$58
AlliedCheapest Annual Premium$696Cheapest Monthly Premium$58
TravelersCheapest Annual Premium$761Cheapest Monthly Premium$63
ProgressiveCheapest Annual Premium$833Cheapest Monthly Premium$69
KemperCheapest Annual Premium$859Cheapest Monthly Premium$72
FarmersCheapest Annual Premium$998Cheapest Monthly Premium$83
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The minimum coverage requirements in Nevada for car insurance also apply to non-owner car insurance. A policy should have the following liability limits:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $20,000 for property damage liability per accident

These limits may not be enough to financially protect you in case of an accident. It’s best to consider your needs and preferences to know how much coverage you actually need.

Cheapest Non-Owner SR-22 Car Insurance in Nevada

These companies have the most affordable insurance for drivers with an SR-22:

USAA is the second-cheapest company for non-owner car insurance. For those in the military community, this company might be a good choice since it offers coverages, discounts and services tailor-made for military members.

Drivers with violations on their records may have more expensive premiums. Insurers often think these drivers are more prone to accidents and claims. Drivers with violations may also need to file an SR-22 form and keep it on file for a few years.

In the U.S., the average cost of non-owner car insurance for drivers with an SR-22 is $59 per month. In Nevada, State Farm offers rates that are cheaper than the national average.

State FarmCheapest Annual Premium$521Cheapest Monthly Premium$43
AlliedCheapest Annual Premium$906Cheapest Monthly Premium$75
NationwideCheapest Annual Premium$906Cheapest Monthly Premium$75
GEICOCheapest Annual Premium$1,005Cheapest Monthly Premium$84
TravelersCheapest Annual Premium$1,022Cheapest Monthly Premium$85
KemperCheapest Annual Premium$1,320Cheapest Monthly Premium$110
ProgressiveCheapest Annual Premium$1,348Cheapest Monthly Premium$112
FarmersCheapest Annual Premium$1,542Cheapest Monthly Premium$128
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An SR-22 form is not a type of insurance but a proof of financial responsibility. It’s a certificate required by the state for drivers who have been involved in high-risk driving incidents. It proves that a driver has met the state's minimum liability insurance requirements.

Your insurance company files an SR-22 form, and you will need to keep your SR-22 in Nevada for several years. Compliance with this requirement is essential for the reactivation of your suspended driver’s license or car registration.

What Is Non-Owner Car Insurance?

Non-owner car insurance offers liability protection for property damage and bodily injury caused to third parties in an at-fault accident. It does not provide coverage for personal injuries or damage to the vehicle you’re driving. These are the key differences between a non-owner car insurance policy and a full coverage policy:

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Nevada

The average cost of non-owner car insurance in Nevada is $59 per month, which is more expensive than the national average of $43 per month. Your actual rates can differ, as the cost of car insurance depends on several factors, like your age, car, location and chosen coverage. Personal factors have a greater effect on your premiums than location, but it’s best to consider all these factors when shopping around.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Nevada Average Cost

Monthly Premium

On average, non-owner car insurance in Nevada is:$16 more

This is 37% more expensive.

Best Non-Owner Car Insurance in Nevada

These companies offer the best non-owner car insurance in Nevada:

  • State Farm: MoneyGeek score 74 out of 100 ($38 per month)
  • GEICO: MoneyGeek score 65 out of 100 ($50 per month)
  • Travelers: MoneyGeek score 59 out of 100 ($63 per month)

MoneyGeek ranked companies based on their affordability, coverage options, claims satisfaction and customer service. We gathered data from J.D. Power for customer satisfaction ratings and AM Best for financial stability ratings. Here’s why we recommend these top-ranking companies:

MoneyGeek Top Pick
State Farm

State Farm is our top-ranking company for non-owner car insurance in Nevada. It has the cheapest average premium at $38 per month. It offers roadside assistance and rental car reimbursement, which are useful in case of emergencies. State Farm’s online services make it easier for customers to manage their accounts, file claims and pay their premiums.

Read the full State Farm car insurance review.


GEICO is our second-ranked company, as it balances reasonable rates and good customer service. With an average premium of $50 per month, GEICO is one of the cheapest options for non-owner car insurance. It provides roadside assistance, rental car reimbursement and accident forgiveness, keeping you financially protected in case of repairs and at-fault accidents. This company has several common and uncommon discounts — from bundling policies to wearing your seat belt — so you have more ways to save on your premiums.

Read the full GEICO car insurance review.

Third Place

Travelers has somewhat expensive policies, keeping it out of our top spot for non-owner car insurance in Nevada. However, it has a wide range of available discounts that can mitigate this pricing issue. In addition, Travelers receives very few customer complaints compared to most other insurers. In terms of coverage options, Travelers offers accident forgiveness and rental car reimbursement, two features that can greatly assist non-owner drivers.

Read the full Travelers car insurance review.

Should You Get Non-Owner Car Insurance in Nevada?

Those who frequently drive despite not owning a car can benefit from non-owner insurance. These drivers could be car renters, those who borrow vehicles from others or those who want to reinstate their driver's license. Non-owner car insurance provides them with the necessary coverage and flexibility to meet their specific driving needs without the requirement of owning a vehicle. It can even help them save money in the long run.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    If you frequently borrow a car, having non-owner car insurance can offer liability coverage in case you get into an at-fault accident. This type of insurance can cover the costs of property damage or injuries to others while driving a borrowed vehicle. It provides an added layer of security and peace of mind when you borrow cars on a regular basis.

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    Occasional renters

    Non-owner car insurance fulfills the insurance requirements of car rental companies or car-sharing services, allowing borrowers to easily rent vehicles without purchasing individual policies. It can give continuous insurance coverage, which can lead to better insurance rates when they own a car in the future. It might also be cheaper than the insurance offered by the rental company.

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    Drivers between cars

    If you’re in the process of getting a new car, you can get non-owner car insurance while waiting for it to arrive. This will keep you financially protected while you’re driving a temporary vehicle.

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    License reinstatement seekers

    If your license has been suspended due to certain violations or incidents, such as driving without insurance or accumulating excessive points on your record, non-owner car insurance can help fulfill the mandatory insurance requirements set by the state. You can demonstrate financial responsibility without having to own a vehicle. It’s a more cost-effective way to ensure compliance with the rules.

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One-day insurance provides short-term coverage, and the insurer only charges you the premium for each day you’re covered by this policy. MoneyGeek does not recommend getting one-day insurance. It’s best to be careful with these types of schemes, as they could possibly be scams. It’s not an actual insurance product for temporary car insurance in Nevada, so it might not be regulated by law. Consider purchasing insurance from a car rental company instead.

Frequently Asked Questions About Non-Owner Car Insurance in Nevada

MoneyGeek addressed common inquiries about non-owner car insurance in Nevada. Here are some answers to help you find the policy that fits your needs and budget.

Which company offers the cheapest non-owner car insurance in Nevada?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Nevada?
How much does non-owner car insurance cost in Nevada?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.