Car Insurance Non-owner car insurance in Nevada: Which company has the cheapest rates? The best non-owner insurance rates in Nevada are available from State Farm and USAA. Written by: Leslie Kasperowicz Leslie Kasperowicz 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 and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 13, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Nevada costs $414 annually, which is $61 more than the U.S. average, according to a 2023 rate analysis from Insure.com. In Nevada, non-owner policies are available from companies such as Geico, Nationwide and Mercury Insurance. “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 cheaper than full coverage car insurance—insurers view non-owner policyholders as less of a risk because they have limited access to a vehicle. On average in the United States, it costs drivers with clean driving records and good credit scores $1,682 a 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. In Nevada, full coverage car insurance costs $1,969. Meanwhile, non-owner car insurance costs $353 a year on average in the U.S. and $414 in Nevada. But actual rates are based on your age and driving history and also where in Nevada you live. Which insurer offers the cheapest non-owner insurance rates in Nevada? With an average annual cost of $140, State Farm’s non-owner insurance policy is Nevada’s most affordable. At $724 a year, Farmers charges the highest rate for non-owner insurance in the state. To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state. Cheapest non-owner insurance rates in Nevada CompanyAverage annual premiumState Farm$140USAA$185Geico$196Nationwide$412Mercury Insurance$412 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Nevada by age? Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are generally lower than those of younger drivers. On average, Nevada non-owner insurance costs $420 a year for a 45-year-old, while it’s $2,252 for a 16-year-old driver. Average non-owner auto insurance rates in Nevada by age and gender AgeMaleFemale16$2,379$2,12517$2,001$1,79618$1,689$1,52819$1,081$98220$959$88221$849$77822$774$72123$686$64024$627$59725$484$46930$437$44235$426$45140$414$43845$411$42850$401$40455$387$39260$397$39065$434$41770$482$45575$575$510 Which Nevada cities have the cheapest non-owner car insurance? It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities. 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 Cities in NevadaLowest non-owner car insurance ratesWinnemucca$258Battle Mountain$259Crescent Valley$262Imlay$262Greenville$265Gabbs$265Valmy$265Lovelock$266Wells$267Carlin$268Ely$268Montello$268Orovada$268West Wendover$268Austin$269Jackpot$269McGill$269Paradise Valley$269Elko$270Round Mountain$270 The 20 Nevada cities with the highest non-owner car insurance rates Cities in NevadaHighest non-owner car insurance ratesChestnut Ridge$621Winchester$608Whitney$605Las Vegas$604Enterprise$597Georgetown$593Blue Diamond$584North Las Vegas$583Nellis AFB$563Henderson$514Sloan$514Clark$449Pahrump$449Jean$447Indian Springs$439Boulder City$426Logandale$386Moapa Valley$386Reno$349Sparks$344 How much is non-owner car insurance in Nevada’s 10 biggest cities? The most populous cities in Nevada have different non-owner insurance rates. The cost of non-owner insurance in Las Vegas is the highest at $604, while Winnemucca has the least expensive rates of the largest cities in the state at $258. Non-owner auto rates in Nevada’s 10 largest cities 10 largest cities in NevadaNon-owner car ratesLas Vegas$604Enterprise$597North Las Vegas$583Henderson$514Reno$349Sparks$344Carson City$309Crescent Valley$262Battle Mountain$259Winnemucca$258 How non-owner insurance rates in Nevada compare to rates in other states Non-owner car insurance rates also differ from state to state. Nevada’s average non-owner insurance rate is $414 a year, more than the $353 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Nevada Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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 go online for a quote. “Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Below are a few insurers with 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. Leslie KasperowiczManaging Editor  . .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 and managing content, now at Insurance.com. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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