Non-owner car insurance in Nevada: Which company has the cheapest rates?

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Non-owner auto insurance in Nevada costs $569 per year, which is $162 more than the rest of the country on average, according to a rate analysis by Insure.com.

In Nevada, non-owner policies are available from companies such as State Farm, GEICO and Travelers.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Nevada.

How much does non-owner auto insurance cost in Nevada?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,513 annually for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $3,284 in Nevada.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $569 in Nevada.

But actual rates are based on your age and driving history and also where in state you live.

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Which insurer offers the cheapest non-owner insurance rates in Nevada?

State Farm offers Nevada’s least expensive non-owner insurance policy at $326 a year.

At $1,017 a year, the Farmers charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Nevada

How much is non-owner car insurance in Nevada by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Nevada non-owner insurance costs $564 a year for a 45-year-old, while it’s $2,731 for a 16-year-old driver.

Average non-owner auto insurance rates in Nevada by age and gender

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Which Nevada cities have the cheapest non-owner auto insurance?

Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display the cities in Nevada that have the least and most expensive non-owner auto insurance rates.

The 20 Nevada cities with the lowest non-owner auto insurance rates

The 20 Nevada cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Nevada’s 10 biggest cities?

The largest cities in Nevada have different non-owner insurance rates. The cost of non-owner insurance in North Las Vegas is the highest at $807. Fernley has the least expensive rates of the largest cities in the state at $399.

Non-owner auto rates in Nevada’s 10 largest cities

How non-owner insurance rates in Nevada compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Nevada’s average non-owner insurance rate is $569 a year, higher than the $407 national average.

Non-owner car insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner auto insurance in Nevada

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• GEICO: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2025 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com.

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