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

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Non-owner auto insurance in Nevada is $414 per year,  which is $34 more than the national average, according to a 2023 rate analysis by Insure.com.

In Nevada, non-owner policies are available from companies such as Geico, Nationwide and Mercury Insurance, in addition to many others.

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 car insurance cost in Nevada?

Non-owner insurance is usually cheaper than regular auto insurance—insurance companies consider non-owner policyholders as less risky because they have minimal access to a vehicle.

In the U.S., it costs an average of $1,682 per year 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. This rate is based on drivers with a clean driving record and good credit score. Full coverage car insurance costs $1,969 in Nevada.

Meanwhile, non-owner auto insurance is $380 a year on average in the U.S. and $414 in Nevada.

But various factors affect rates, such as where in Nevada you live, which insurer you purchase from as well as your age and driving history.

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

In Nevada, State Farm’s non-owner insurance policy is the cheapest at $140 a year on average.

At $724, Farmers Insurance charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Nevada

Cheapest non-owner insurance rates in Nevada

Note that USAA only offers coverage to military members, veterans and their families.

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

Age is also an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Nevada, a 45-year-old will pay an average of $420 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $2,252.

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

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

Rates vary from city to city. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are the cheapest and most expensive cities for non-owner car insurance in Nevada.

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

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

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

The most populous cities in Nevada have different non-owner insurance rates. The non-owner insurance price in Sunrise Manor is the highest at $622. Carson City has the cheapest rates among the state’s most populous cities at $309.

Non-owner car 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 $414, more than the $380 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner car insurance in Nevada

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner insurance policy, you’ll need to call your insurer rather than get an online quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who can] shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are some insurers 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 2023 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.