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

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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

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

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

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 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

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

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:

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

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 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 and managing content, now at Insurance.com.