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

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.

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.

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

• State Farm: $38 per month
• GEICO: $50 per month

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.

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

• State Farm: $43 per month
• Allied: $75 per month

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.

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:

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.

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:

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.

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.