Cheapest And Best Non-Owner Car Insurance In Nevada 2024

Based on our comprehensive research, Kemper emerges as the provider of the cheapest and finest non-owner car insurance in Nevada.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Written by Bob Phillips
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A growing trend among Nevada residents is to forgo car ownership in favor of sharing or renting vehicles when necessary. Non-owner car insurance offers a way to ensure financial protection and peace of mind in such scenarios.

With 15 years of experience as an insurance agent and over 35 years of buying car insurance, I have a deep understanding of Nevada’s insurance landscape and the strengths of various providers.

Cheapest Non-Owner Car Insurance In Nevada, 2024

Best Non-Owner Car Insurance, Nevada2024

Compare The Cheapest And Best Non-Owner Car Insurance In Nevada

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost Get A Quote
Kemper
4.7

Cheapest Overall

A-

736

$35

Instant Quote
State Farm
4.9

Best Overall

A++

826

$53

Instant Quote
Farmers
4.6

Cheapest Non-Owner SR-22

A-

810

$62

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

A+

809

$36

Instant Quote
Travelers
4.8

Best Runner-up

A++

NR

$44

Instant Quote
Scroll to see comparisons

Our Methodology

Through a comprehensive analysis involving customer service ratings, product selections, pricing comparisons, and evaluations from various online review platforms and user feedback, I've gained a detailed insight into non-owner car insurance providers.

This understanding is shaped by my extensive experience of more than 15 years as a licensed agent in Nevada, coupled with numerous interactions with representatives from different companies and firsthand purchasing experiences.

62

Quotes Analyzed

15+

Years Of Industry Experience

19

Brands Reviewed

30+

Research Hours

Cheapest Non-Owner Car Insurance Companies In Nevada


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re in Nevada and looking for affordable car insurance without owning a car, Kemper might be worth considering. They specialize in providing cheap auto insurance for drivers labeled as high-risk. Their policies are available through independent agents not only in Nevada but also in other states.

Despite their focus on affordability, Kemper doesn’t score well in customer satisfaction, according to the National Association of Insurance Commissioners. Nevertheless, it remains a popular choice and ranks as the 11th largest insurer in the United States.

For military personnel on active duty, National Guard members, deployed individuals, or those living on a military base who frequently use someone else’s car, Kemper could be a good fit.

Nevada’s reputation for high living costs extends to car insurance, which can be particularly expensive. Factors like heavy traffic and a high proportion of uninsured or underinsured drivers contribute to the steep costs of owning and insuring a vehicle, making it tough for many to manage.

Consequently, more people are opting out of car ownership or relying on rentals. Affordable non-owner car insurance is proving to be a money-saving solution for many in Nevada who no longer need traditional car insurance.

Benefits & Drawbacks

Benefits
  • Provides the most affordable insurance prices for Nevada residents without a vehicle.
  • If needed, make sure to get an SR-22 form.
  • AM Best provides a strong rating for financial stability.
Drawbacks
  • Many customers have expressed dissatisfaction with the help provided to people who have insurance.
  • A smartphone app that's gotten low ratings from its users.

Rates For The Cheapest Non Owner Car Insurance In Nevada

Insurance company Monthly Rate
Kemper $30
Allied $64
Progressive $72
GEICO $54
Travelers $65

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is known for its dependable non-owner car insurance, especially for drivers requiring an SR-22 form. This form is necessary for individuals labeled “high-risk” by the state due to infractions like DUIs, reckless driving, or driving uninsured.

What sets Farmers apart is its tailored assistance for high-risk drivers. They not only offer SR-22 insurance but also aid drivers with suspended licenses in promptly reinstating them. This focus on simplifying matters for high-risk drivers distinguishes Farmers from other insurers.

Regarding expenses, Farmers provides SR-22 Insurance at a mere 2% higher rate than regular car insurance on average. This affordability, coupled with comprehensive coverage, makes Farmers a pragmatic option for Nevada drivers needing an SR-22.

Obtaining non-owner SR-22 insurance is a prudent decision for high-risk drivers without a vehicle of their own but still needing to drive occasionally. It furnishes liability coverage, shielding you financially in case of an accident while driving a borrowed or rented vehicle.

Moreover, it aids in maintaining continuous insurance coverage, showcasing financial responsibility, and evading potential lapses in your insurance history that might result in higher premiums later on.

Benefits & Drawbacks

Benefits
  • Focuses on assisting individuals identified as high-risk drivers.
  • We provide the best prices for SR-22 insurance for people who don't own a car.
  • You've got a range of insurance choices to select from.
Drawbacks
  • Many clients are encountering issues with the handling and resolution of their insurance claims.
  • Car insurance costs could increase for drivers deemed more likely to get into accidents or file claims.

Rates For The Cheapest Non-Owner SR-22 In Nevada

Insurance company Monthly Rate
Progressive $115
GEICO $86
State Farm $47
Farmers $45
Travelers $88

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

If you’re in Nevada without a car but need insurance, Progressive could be a solid choice, especially if you’ve been a safe driver. Their non-owner car insurance covers accidents, like injuries and property damage, which is important since Nevada mandates financial responsibility for all vehicles on its roads.

You can get Progressive’s non-owner car insurance through independent agents or directly from them. They’re reputed for handling claims quickly and have strong financial ratings.

Having a good driving history qualifies you for lower premiums on non-owner car insurance. Insurance companies view you as less risky due to your safe driving habits. This also helps insurers avoid losses from claims, keeping their rates competitive. So, maintaining a clean driving record can significantly reduce your insurance costs.

Benefits & Drawbacks

Benefits
  • There are plenty of options to choose from when it comes to getting insurance.
  • Fantastic discounts available for motorists prioritizing safety.
  • Drivers who haven't had any accidents or broken traffic rules can get lower prices for insurance.
Drawbacks
  • Various customers hold different views regarding the service's quality.
  • Absence of insurance coverage for leased cars
  • Some states might not offer car insurance choices to individuals who don't possess a car.

Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record

Insurance company Monthly rate
Allied $60
GEICO $52
State Farm $42
Progressive $40
Farmers $85

Best Overall Non Owner Car Insurance

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm is a top choice for people in Nevada who need non-owner car insurance. They offer competitive prices, a variety of coverage options, and excellent customer service.

Though it may not be the absolute cheapest, State Farm’s rates start at $213 per year for non-owner liability coverage. This coverage protects you in case you cause injury or property damage.

If you already have a personal auto policy with State Farm that includes comprehensive coverage, it can also cover your rental car, giving you added peace of mind.

State Farm sets itself apart with its dedication to customer service. They make it simple to reach them through their phone app or a specific contact number, ensuring policyholders can get quick help when necessary.

While price matters, good customer service is also crucial. Insurance is about feeling secure and knowing you’ll get assistance when you need it. An insurance company’s ability to handle claims efficiently and provide guidance is vital.

Benefits & Drawbacks

Benefits
  • A wide range
  • Competitive pricing
  • Amazing customer happiness
Drawbacks
  • Usually, insurance plans not tailored for the vehicle owner might not offer complete protection for accidents or crashes.
  • They offer only a limited number of discounts.
  • You can discover less expensive options.

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Nevada, Travelers is a top choice for folks seeking non-owner car insurance. Known for customizing plans to suit individual needs and providing top-notch customer service.

Having a dependable insurance provider is crucial, especially during emergencies or when filing claims. Travelers shines in this aspect by offering prompt and efficient assistance, demonstrating their dedication to ensuring customer satisfaction.

Travelers presents a range of coverage options for non-owners, such as basic liability, collision, and uninsured/underinsured coverage, all priced reasonably.

Non-owner car insurance primarily shields you from liability for damages you cause to others. Yet, you can bolster your protection by adding comprehensive and collision coverage, safeguarding against theft, vandalism, natural disasters, and accidents involving other vehicles or objects, irrespective of fault.

Benefits & Drawbacks

Benefits
  • Complete safety
  • Exceptional customer support
  • Competitive pricing
Drawbacks
  • Currently, it's not possible to obtain price estimates online.
  • Discounts with restrictions
  • Car insurance rates may increase for drivers deemed at higher risk of accidents.

What Is SR-22 Insurance?

SR-22 isn’t your typical insurance policy; it’s more of a confirmation of your vehicle liability coverage. Required by most state DMVs for high-risk insurance policies, it serves as proof that you meet the minimum liability insurance requirements.

Your insurance company handles this paperwork, crucial for individuals facing license suspension due to traffic violations or serious offenses like DUIs. Essentially, it affirms your financial responsibility by indicating you’ve obtained the necessary auto liability insurance.

Usually, it’s mandated by the state or court, especially for high-risk drivers, and your insurer must keep the state informed if your coverage lapses.

How Much Is Non-Owner Car Insurance In Nevada’s 10 Biggest Cities?

City size influences car insurance rates significantly. If you reside in a bustling urban area, you’re likely to face higher premiums due to increased traffic.

City Average Annual Rate
Sparks $346
Carson City $311
Crescent Valley $265
Battle Mountain $262
Winnemucca $260
Las Vegas $608
Enterprise $599
North Las Vegas $585
Henderson $516
Reno $352

Average Cost Of Non Owner Car Insurance In Nevada Cities

Provided are the standard rates for services in five small Nevada towns.

City Sample Average Annual Rate
Carlin $272
Ely $270
Montello $271
Winnemucca $260
Battle Mountain $262

What Is Non-Owner Car Insurance?

If you often drive cars that belong to others, such as rentals or borrowed vehicles, you might want to explore non-owner car insurance. This type of insurance primarily focuses on liability, meaning if you’re responsible for an accident while driving someone else’s car, your policy can handle the medical and repair costs of the other party involved.

Some insurers might also offer additional features like protection against uninsured drivers or personal injury coverage. However, keep in mind that non-owner insurance typically doesn’t cover damage to the car you’re driving. It’s a beneficial choice for individuals who frequently rent or borrow cars, providing an additional level of protection.

Moreover, it could be more cost-effective compared to always purchasing insurance from the rental company. Additionally, having this type of policy ensures you maintain continuous insurance coverage, which might lead to lower premiums if you decide to purchase a car later on.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

How Much Is Non-Owner Car Insurance In Nevada – By Age?

The cost structure of non-owner car insurance in Nevada resembles that of full coverage insurance, wherein rates are most expensive for teenagers and gradually decrease until reaching 55.

Provided are sample rates for different age groups.

Age Average Annual Rate
16 $2,382
17 $2,008
18 $1,692
19 $1,084
20 $962
21 $852
22 $778
23 $688
24 $632
25 $486
30 $439
35 $428
40 $416
45 $415
50 $406
55 $389
60 $399
65 $436
70 $484
75 $577

What Does Non-Owner Car Insurance Cover?

If you’re without a car but need insurance coverage, consider a non-owner policy. It primarily offers liability coverage, which pays for others’ injuries or property damage if you’re at fault in an accident.

However, it’s vital to know that it won’t cover any damage to the vehicle you’re driving; the owner’s insurance is responsible for that. Some policies may provide extras like medical payments or personal injury protection, which assist with medical bills regardless of fault.

You can also select uninsured/underinsured motorist protection to guard against drivers with insufficient coverage. But remember, non-owner insurance doesn’t include comprehensive or collision coverage for damages due to theft, vandalism, natural disasters, or accidents.

How Non-Owner Insurance Rates In Nevada Compare To Rates In Other States

Interestingly, Nevada average annual non-owner car insurance rate is $416, which is below the national average of $353.

Here’s a look at rates in the 12 most populated states:

State Average Annual Premium
North Carolina $937
Florida $770
New York $590
Michigan $585
Texas $419
Illinois $396
Georgia $384
National Average $353
Pennsylvania $348
California $323
Ohio $241

Should You Get Non-Owner Car Insurance In Nevada?

Non-owner car insurance is for people who don’t own a car but still drive occasionally. It gives liability coverage if you cause an accident while driving a car you’ve borrowed or rented. Certain individuals in Nevada should consider buying non-owner car insurance.

Frequent Renters And Borrowers

If you often rent cars or borrow them from friends or family, non-owner car insurance could be beneficial. Rental companies do offer insurance options, but they might be costly if you rent cars frequently. Similarly, while the owner’s insurance may cover some accidents, having your own policy guarantees protection without affecting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

Public transit and ridesharing are the primary modes of transportation for countless Nevada residents during their daily routines, saving personal driving for sporadic occasions. If you find yourself in this group, it’s likely because you reside in an urban area with reliable public transit or you’re someone who enjoys biking or walking.

Nevertheless, there are instances when driving is necessary. Non-owner insurance ensures you’re financially covered during these times.

Individuals Trying To Maintain Continuous Coverage

Insurance companies tend to consider drivers who don’t maintain continuous coverage as risky, potentially resulting in higher premiums when they buy a car. If you’ve sold your vehicle and won’t have one for some time, getting a non-owner policy can help maintain continuous coverage and keep your insurance history intact.

This can be especially useful when you eventually purchase another car and need regular insurance.

How To Get Non-Owner Car Insurance In Nevada

These five steps will guide you through securing non-owner car insurance in Nevada seamlessly.

Understand Your Needs

It’s essential to understand the rationale behind non-owner car insurance before starting. Do you frequently rent vehicles or borrow cars from friends or family? Do you need a non-owner SR-22 form for license reinstatement? Clearly defining your needs is critical for finding the best solution.

1

Gather Your Personal Information

To obtain a quote for non-owner car insurance, you’ll need to furnish some fundamental personal information such as your name, address, and driver’s license number. This info allows the insurer to gauge your risk profile and calculate your premium accordingly.

2

Compare Rates From Different Providers

Insurance companies don’t all offer the same rates for non-owner car insurance. It’s a good practice to compare quotes from different providers to find the most competitive rates.

3

Choose The Right Coverage

Non-owner car insurance usually provides liability coverage, covering expenses in the event of an accident you cause. You might have the opportunity to add supplementary protections like uninsured motorist coverage or medical payments, so it’s essential to select a policy that meets your individual requirements.

4

Purchase Your Policy And Obtain Proof Of Insurance

Once you’ve made your policy selection, you can generally buy it online or over the phone. Following the purchase, you’ll promptly receive proof of insurance, typically via email. If required, your provider can also arrange for the filing of an SR-22 on your behalf.

5

Average Cost Of Non-Owner Car Insurance In Nevada

Grasping non-owner car insurance choices can be daunting due to the multiple providers and rate disparities. Knowing the financial implications of your decision is essential.

To assist, we’ve crafted a comparison chart illustrating rates from five prominent providers.

Insurer Average Monthly Rate
Progressive $65
State Farm $20
Travelers $38
Geico $22
USAA $24

FAQs

Do you need car insurance if you don’t own a car in Nevada?

Car insurance is mandatory in Nevada, even if you’re not a car owner. Non-owner car insurance caters to individuals who frequently drive borrowed or rented vehicles, providing liability coverage for any accidents that occur while driving.

Can I buy auto insurance for someone else’s car in Nevada?

Of course, you can buy auto insurance for another person’s car in Nevada. However, it’s not as easy as insuring your own vehicle. Insurance companies typically prefer to see a relationship between the policyholder and the car, such as co-ownership or frequent driving.

Who offers the cheapest non owners car insurance in Michigan?

Our study reveals that Kemper provides the most economical options for non-owner car insurance in Nevada.

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