State Farm has Nevada's cheapest non-owner car insurance at $38 a month, below the state average of $59. Explore other affordable options in the table below.
Cheapest Non-Owner Car Insurance in Nevada
Updated: February 23, 2026
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Best Cheap Non-Owner Car Insurance in Nevada: Key Takeaways
State Farm offers the cheapest non-owner SR-22 car insurance in Nevada for those with a driving incident, with an average monthly cost of $43.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet the state's minimum coverage requirements.
Non-owner insurance is recommended for drivers who borrow or rent vehicles often or need to reinstate their license and can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Nevada
| State Farm | $452 | $38 |
| GEICO | $606 | $50 |
| Nationwide | $696 | $58 |
| Allied | $696 | $58 |
| Travelers | $761 | $63 |
| Progressive | $833 | $69 |
| Kemper | $859 | $72 |
| Farmers | $998 | $83 |
Cheapest Non-Owner SR-22 Car Insurance in Nevada
State Farm provides Nevada's most affordable SR-22 non-owner policy at $43 monthly, much lower than the state average of $89 for minimum coverage. Use the table below to compare other cost-effective choices.
| State Farm | $521 | $43 |
| Allied | $906 | $75 |
| Nationwide | $906 | $75 |
| GEICO | $1,005 | $84 |
| Travelers | $1,022 | $85 |
| Kemper | $1,320 | $110 |
| Progressive | $1,348 | $112 |
| Farmers | $1,542 | $128 |
How Much Is Non-Owner Car Insurance in Nevada?
Nevada's average monthly non-owner car insurance cost is $59, higher than the national average of $43. For SR-22 coverage, residents pay about $89 monthly, compared to $48 nationally. Your premium may vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
$43
Monthly Premium
vs
Nevada Average Cost
$59
Monthly Premium
On average, non-owner car insurance in Nevada is$16 SAVED
For drivers who need a standard policy instead, our guide to the cheapest car insurance in Nevada ranks providers by rate and driver profile.
Nevada Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if a non-owner insurance policy suits their needs. It explains the basics, how it differs from standard policies, its costs and who benefits most.
What Is Non-Owner Car Insurance?
If you drive often but don't own a car, non-owner insurance suits you. It covers damage or injuries you cause in an accident, offering a safety net without owning a vehicle. Below, compare this coverage to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Nevada Allow Non-Owner Car Insurance?
Nevada allows non-owner insurance for drivers who don’t own a car but must meet minimum coverage requirements. If you need to file an SR-22, a non-owner policy can help you comply. Explore how to get car insurance without a car for platform recommendations.
NEVADA MINIMUM INSURANCE REQUIREMENTS
Nevada's minimum coverage requirements extend to non-owner insurance. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
While these are the minimums, they may not fully protect you. Consider how much coverage you need beyond the state minimum to ensure adequate protection.
Should You Get Non-Owner Car Insurance in Nevada?
Non-owner insurance is a budget-friendly option for those who drive rented or borrowed vehicles. It meets state minimum requirements and provides essential coverage for those who don’t own a car but drive occasionally.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Nevada, as they could be fraudulent. For temporary coverage, such as during a move or road trip, buying insurance from a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers car borrowers when driving a vehicle they don’t own, supplementing the owner’s policy.
Occasional renters
Non-owner car insurance covers damage or injuries caused while driving a rental, potentially saving on rental company insurance fees.
Drivers between cars
Drivers between cars maintain continuous insurance with non-owner policies, avoiding coverage gaps that could raise premiums when purchasing a new vehicle.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension may need proof of insurance. A non-owner policy can fulfill this requirement even if the driver doesn't own a car.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurer sends to the DMV to confirm you meet the required minimum coverage. Known as a Certificate of Financial Responsibility, it’s often mandatory for drivers with a DUI or no insurance to ensure legal driving privileges.
Cheap Non-Owner Car Insurance in Nevada: Bottom Line
Nevada drivers, even those needing SR-22 forms, can find non-owner car insurance. The most affordable option is State Farm, followed by GEICO and Nationwide. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Nevada: FAQ
Get answers to frequently asked questions about non-owner car insurance in Nevada below.
Which company offers the cheapest non-owner car insurance in Nevada?
State Farm offers Nevada's cheapest non-owner car insurance at $38 monthly and SR-22 rate at $43.
How much does non-owners car insurance cost in Nevada?
Non-owner car insurance in Nevada costs about $706 annually or $59 monthly. For those requiring an SR-22, the cost rises to roughly $1,071 annually or $89 monthly.
Nevada Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Nevada auto insurance rates by collecting data from the Nevada Division of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Nevada using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
Drivers and Cars in Nevada
To find the best and most affordable companies for non-owner car insurance in Nevada, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!