Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Nevada driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $29 a month in Nevada for the coverage limit of 25/50/20.
- The non-owner car insurance rate is $346 per year—lower than liability-only coverage of $1,042 for Nevada drivers.
- State Farm offers the cheapest non-owner car insurance rates in Nevada at an average cost of $10 per month.
Do I need non-owner car insurance in Nevada?
Non-owner car insurance in Nevada is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Nevada
Nevada drivers can expect to pay an average of $29 per month or $346 annually for non-owner car insurance with a coverage limit of 25/50/20.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Nevada
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Nevada, at $10 per month. Other insurers like Geico and Travelers also offer affordable premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
Below is a table showing the cheapest companies for non-owner car insurance in Nevada.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $118 | $10 |
| Geico | $247 | $21 |
| Travelers | $405 | $34 |
| Mercury Insurance | $459 | $38 |
| Farmers | $564 | $47 |
| Progressive | $621 | $52 |
| USAA* | $201 | $17 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Nevada, by age and gender
In Nevada, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $1,335 a month for insurance, whereas adding a 16-year-old female would cost you around $1,282 monthly.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Nevada.
The table below shows how non-owner car insurance rates vary by age and gender in Nevada.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $948 | $881 |
| Young Adults (20-24) | $506 | $489 |
| Adults (25-60) | $343 | $354 |
| Seniors (65-75) | $379 | $372 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Nevada cities
In Elko the average cost of non-owner auto insurance is $24 per month or $290 per year, and Fernley drivers pay $26 a month for the same coverage.
In Nevada, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Nevada generally pay higher insurance premiums, including non-owner car insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Elko | $290 | $24 |
| Fernley | $310 | $26 |
| Mesquite | $356 | $30 |
| Reno | $374 | $31 |
| Henderson | $375 | $31 |
| Boulder City | $377 | $31 |
| North Las Vegas | $383 | $32 |
| Sparks | $387 | $32 |
| Las Vegas | $397 | $33 |
Affordable non-owner insurance in Nevada, by ZIP code
A 40-year-old Nevada driver living in ZIP 89018 pays $253 a year or $21 per month for non-owner car insurance, whereas insurance rates in the ZIP code 89445 is $261 a year or $22 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Nevada?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Nevada
Non-owner car insurance in Nevada is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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