The average cost of non-owner car insurance in Nevada can range from $800 to $900 annually. A non-owner car insurance policy can be ideal if you don’t own a car of your own but regularly rent or borrow someone else’s vehicle.

In almost all states, you’ll need to have a minimum amount of car insurance coverage in place before you hit the road—and that’s the case even if you don’t own a car of your own.

That’s where non-owner

car insurance

comes in. Here’s a look at what it covers, how much it usually costs, and how you can get your own non-owner car insurance policy in Nevada.

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How to save on your Nevada car insurance costs

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What does non-owner car insurance cover?

While a traditional car insurance policy typically follows the car it insures,

non-owner car insurance

follows the driver. Non-owner car insurance can provide you with the liability coverage

Nevada state law requires

to cover others’ damages and injuries if you’re found at fault for an accident.

Here are what Nevada’s minimum liability requirements look like:

$25,000 of

bodily injury liability

per person

$50,000 of bodily injury liability per accident

$20,000 of

property damage liability

In addition to liability coverage, you also have the option of adding additional coverage types to your policy, like

uninsured motorist coverage

personal injury protection (PIP)

, and

medical payments coverage

. Your coverage options may vary depending on the insurance provider you choose.

Your non-owner car insurance policy is a secondary type of insurance, so typically, the vehicle owner’s insurance will cover expenses first, and your own insurance will pick up where it leaves off—up to your own policy’s limit(s).

What non-owner car insurance won’t cover is damage to the vehicle you’re driving. Since these policies are intended for drivers who don’t own cars,

collision

and

comprehensive coverage

won’t be available. If you’re borrowing someone else’s car, their own policy would need to cover damages to their own vehicle.

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Does my car insurance cover me if I drive someone else's car?

Average cost of non-owner car insurance in Nevada

Non-owner car insurance costs in Nevada can generally range from $800 to $900 per year, but what your own premium costs will depend on factors like your location, driving record, demographics, and the provider you choose.

If you have more serious violations on your driving record, like a

DUI

, you may see significantly more expensive rates.

At any rate, the average non-owner car insurance policy in Nevada is significantly cheaper than a traditional

full coverage

car insurance policy.

The best Nevada auto insurance companies for non-owner car insurance

Just three major car insurance carriers offer non-owner car insurance to new customers in every state nationwide:

Nationwide

GEICO

, and

State Farm

. But as a Nevada driver, it’s possible you could also find coverage from providers like Farmers, USAA, or Travelers.

Curious to see how average non-owner car insurance costs can vary among different providers in Nevada? Find out in the table below.

Cheapest Nevada non-owner car insurance companies

Company	Average annual premium	Average monthly premium	Average annual SR-22 premium	Average monthly SR-22 premium
GEICO	$788	$66	$795	$66
Nationwide	$881	$73	$968	$81
State Farm	$359	$30	$359	$30
USAA	$254	$21	$375	$31

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Who needs a non-owner car insurance policy?

There are a few main scenarios where non-owner car insurance is most ideal:

If you don’t own a vehicle but frequently rent vehicles

You regularly borrow someone else’s vehicle

You need proof of insurance to get your driver’s license reinstated (if you’re subject to SR-22 insurance requirements, this is often the cheapest way to take care of it)

You plan on owning a car in the future and want to avoid a

lapse in coverage

, which could leave you with a higher insurance rate

If you’re only borrowing someone’s vehicle once in a blue moon, you can typically be covered under their own car insurance as long as they gave you permission to drive it.

But if you plan to borrow someone else’s vehicle, especially on a recurring basis, make sure you’re both clear on the

types of car insurance

you each need to have in place. Depending on the circumstances, it might also be worthwhile for the vehicle owner to add you as a driver on their own insurance policy for the period that you’re borrowing their vehicle.

If you’re only renting a vehicle once or twice a year, you can probably stick with the

rental car insurance coverage

offered by the rental company—or your credit card, if rental car insurance is included as one of your benefits.

If you’re renting vehicles more routinely than that, take into consideration the companies you plan on using—some policies may have different criteria regarding whether you’re using a traditional car rental company or a car-sharing service like ZipCar. So before choosing a provider, it’s a good idea to confirm the services you plan to use will be covered.

MORE:

GEICO non-owner car insurance

How to get non-owner car insurance in Nevada

If you already have a valid Nevada driver’s license, all that’s left to do to get a non-owner car insurance policy in Nevada is to shop around for quotes—and seeking them out from multiple providers will increase your odds of finding the best possible rate.

You can contact individual providers directly to request a quote, or you can use an insurance comparison tool to find you a handful of quotes all at once.

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