Non-owner car insurance in Nevada: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Nevada?

GEICO has the cheapest non-owner car insurance in Nevada, with average annual rates of $304. State Farm is the second-cheapest option at $369 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Nevada.

Company	Average annual premium	Average monthly premium
GEICO	$304	$25
State Farm	$369	$31
Travelers	$480	$40
Progressive	$911	$76
Farmers	$1,041	$87
Key Insurance Company	$1,851	$154

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What are the best non-owner car insurance companies in Nevada?

The best non-owner car insurance companies in Nevada are State Farm, GEICO, and Travelers, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced non-owner coverage.

To find the best non-owner car insurance companies in Nevada, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Nevada.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
State Farm	$369	648	0.87	A+	4.62
GEICO	$304	624	0.60	A++	4.44
Travelers	$480	624	0.63	A++	4.18
Progressive	$911	616	0.60	A+	3.34
Farmers	$1,041	623	1.24	A	2.75

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Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Nevada.

State Farm

Our top choice for non-owner car insurance in Nevada is State Farm, with an average rate of $369 for liability coverage. State Farm holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.87.

GEICO

GEICO is another great option for non-owner car insurance in Nevada, with average rates of $304 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.60.

Travelers

Our third recommendation is Travelers, with average rates of $480. It has an NAIC complaint ratio of 0.63 and holds an AM Best rating of A++.

PEOPLE ASK:

Do I need Nevada non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Nevada

The average cost of non-owner car insurance in Nevada is $823 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Nevada by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Nevada, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Nevada by age and gender.

Age group	Male	Female
Teens (16-19)	$3,473	$2,762
Young Adults (20-24)	$1,631	$1,433
Adults (25-60)	$829	$822
Seniors (65-75)	$964	$888

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Do you need non-owner car insurance in Nevada?

You may need non-owner insurance in Nevada if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Nevada doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum liability only	$823
Traditional state minimum policy	$1,212
State minimum car insurance limits	25/50/20

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What does Nevada non-owner car insurance cover?

A Nevada non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Nevada, but it won't cover any damage to the vehicle you're driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Nevada

Nevada drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owners car insurance averages $823 in Nevada, and GEICO offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Drivers in Nevada can find the best non-owner insurance policy by comparing quotes from multiple companies, reviewing customer complaint ratios and checking AM Best financial ratings. Choosing appropriate liability limits and maintaining continuous insurance coverage can also help lower premiums over time.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Nevada

Do I need non-owner insurance to drive a friend's car in Nevada?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Nevada?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.