Non-Owner Car Insurance in Nevada: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in Nevada is $853 per year. Travelers offers the cheapest insurance in the state at an average annual rate of $606. MoneyGeek’s guide can help you learn more about non-owner car insurance and how it works in Nevada.

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Last Updated: 8/16/2022

Non-owner car insurance is ideal for drivers who don’t own vehicles but often drive rental or borrowed cars, as well as drivers who need proof of insurance to reinstate their license.

Non-owner car insurance in Nevada costs an average of $853 per year for drivers with a clean driving record and around $1,438 annually for drivers with a major traffic violation such as a DUI.

MoneyGeek analyzed insurance costs from various companies offering non-owner car insurance in Nevada and reveals when you need and don’t need a non-owner policy.

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Cheapest Non-Owner Car Insurance Companies in Nevada

Non-owner car insurance is cheaper than traditional car insurance. However, you can save more if you compare costs between insurers.

On average, MoneyGeek found that the insurers who provide the cheapest non-owner car insurance in Nevada are:

  • Travelers: $606 per year
  • State Farm: $626 per year

For drivers in the military, USAA is the cheapest non-owner car insurance provider and offers annual premiums averaging $381.

The most expensive insurer is Farmers. This insurer provides policies at an average rate of $1,997 per year.

The rates in this guide are for a 40-year-old driver with a non-owner car insurance policy in Nevada. Policy limits are outlined in MoneyGeek's methodology.

Cheapest Non-Owner Car Insurance Companies in Nevada

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $381
    $32
  • Travelers
    $606
    $51
  • State Farm
    $629
    $52
  • GEICO
    $653
    $54
  • Farmers
    $1,997
    $166
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How Much Is Non-Owner Car Insurance in Nevada?

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The average cost of non-owner car insurance in Nevada is $853 per year, while traditional insurance costs around $1,172 annually.

However, these prices increase significantly in the event of a serious traffic violation such as a DUI. With a DUI, non-owner car insurance costs roughly $1,438 per year, and regular insurance costs around $1,848 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Nevada

After a severe driving violation like a DUI, you might need to file an SR-22 in Nevada to get your license reinstated. An SR-22 is a certificate that proves you can bear financial liability if you cause an accident. SR-22 non-owner car insurance might be the cheapest way to get this document.

MoneyGeek researched average prices and found that the cheapest non-owner car insurance companies for a driver with a DUI in Nevada:

  • State Farm: $664 per year
  • Travelers: $1,182 per year

USAA is the second most affordable option and offers premiums at $769 per year. However, it is only available to current and former military members.

The most expensive insurer is Farmers, with premiums averaging $3,005 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Nevada

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $664
    $55
  • USAA
    $769
    $64
  • Travelers
    $1,182
    $99
  • GEICO
    $1,570
    $131
  • Farmers
    $3,005
    $250
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What Is Non-Owner Car Insurance in Nevada?

Non-owner car insurance, also known as non-owner liability insurance, is the ideal option if you need insurance and don’t own a car. It includes liability insurance and meets the state’s minimum insurance requirements.

You may add uninsured/underinsured motorist coverage to your non-owner car insurance policy. However, this policy excludes comprehensive and collision coverage, also known as full coverage.

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Non-owner car insurance is also required to meet the minimum coverage requirements in Nevada, which are:

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

Who Should Get Non-Owner Car Insurance in Nevada?

Non-owner car insurance can be beneficial for drivers who don’t own a car if they need to:

  • Get their license reinstated: After a serious traffic violation such as a DUI, your license might get suspended. To reinstate it, you have to prove to the court you have a valid insurance policy. A non-owner car insurance policy is the most affordable option to meet this requirement.
  • Renting or using car-share services regularly: If you use a rental car, you may be offered rental car insurance. However, it’s wiser to buy non-owner car insurance if you rent cars frequently because it covers all your rentals during the course of your policy, saving you money in the long run.
  • Avoid an insurance lapse: If you’re no longer a car owner, you may think insurance is unnecessary. However, not having a policy causes an insurance lapse. This may lead to increased premiums in the future. Buying non-owner car insurance ensures your premiums remain at an affordable rate.

Who Shouldn’t Get Non-Owner Car Insurance in Nevada?

You don’t always have to get non-owner car insurance if you drive a car you don’t own in Nevada. For example, if you live in Las Vegas and your friend lends you their car, you’ll automatically be covered under their insurance policy since you have their permission to drive their vehicle.

Non-owner car insurance is also unnecessary if you only drive rental cars once or twice a year. Purchasing rental car insurance from the rental company will provide sufficient coverage and save you money compared to the cost of a non-owner car insurance policy for a full year.

How to Get Non-Owner Car Insurance in Nevada

All companies listed by MoneyGeek on this page offer non-owner car insurance in Nevada. However, insurers generally don’t provide quotes for these types of policies online. The best way to get a quote for a non-owner car insurance policy in Nevada is to call insurers directly and request one. You can use the numbers below to get quotes.

Contact Non-Owner Car Insurance Companies in Nevada
  • Company
    Contact Number
  • USAA
    800-531-8722
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • GEICO
    800-207-7847
  • Farmers
    888-327-6335

Frequently Asked Questions About Nevada Non-Owner Car Insurance

Understanding the difference between non-owner car insurance and regular car insurance can be confusing. MoneyGeek helps clarify the differences with answers to some of the most common questions about non-owner car insurance in Nevada:

Methodology

MoneyGeek partnered with Quadrant Information Services to collect non-owner car insurance quotes across Nevada using a sample driver who is 40 years old. We created two profiles for this driver, including one with a safe driving record and another with a DUI.

The policies meet the state’s minimum requirements except for liability insurance which has limits that include:

  • $50,000 bodily injury liability per person
  • $100,000 in body injury liability per accident
  • $50,000 in property damage liability per accident

The regular car insurance policies gathered also had the same limits.