All about Non-Owner Car Insurance in Nevada

A Nevada non-owner car insurance policy offers liability protection and helps you to avoid a lapse in insurance coverage if you don’t own a vehicle.
Written by Andrea Barrett
Edited by Amy Bobinger
If you don’t own a car but frequently rent or borrow one, Nevada
non-owner car insurance
provides liability coverage that meets the
Nevada state car insurance requirements
. This coverage will pay for damages and injuries up to your policy limits if you’re involved in an at-fault accident while driving a borrowed or rented vehicle.
  • Non-owner minimum liability car insurance costs an average of $3172 a year in Nevada.
  • To purchase non-owner insurance, contact an individual insurance provider or broker directly to request a quote.
  • Nevada non-owner SR-22 insurance may be a good option if you are required to have SR-22 insurance but don’t own a vehicle.

The average cost of non-owner car insurance in Nevada is $3172

Average cost of minimum liability insurance in Nevada
Average cost of non-owner insurance in Nevada
Average cost of non-owner SR-22 insurance in Nevada
Methodology: Based on Jerry’s insurance provider review survey, we calculated the average cost of minimum insurance quoted for a single car and driver with a good driving record in Nevada and the average cost of non-owner and non-owner SR-22 policies quoted in Nevada.

Non-owner auto insurance rates are cheaper than standard insurance on average

Why it’s less: 
  • Non-owner car insurance only offers liability coverage.
    Liability-only auto insurance coverage
    covers the cost of damage to the other party’s car in an accident, so it’s cheaper than purchasing a
    full coverage policy
    that would pay for damage to the policyholder’s vehicle.
  • Non-owner premiums are often lower than standard liability-only policies, too—likely because car insurance companies assume less risk for a driver with limited vehicle access than someone who drives daily.
However, as with any insurance policy, your insurance premium will vary based on age, where you live, coverage limits, and driving history. 
To get the best price for your non-owner car insurance policy, request quotes from multiple providers before you commit to one. You can also use a
trusted car insurance broker
and online comparison tool like

Six major auto insurance carriers in Nevada offer non-owner insurance

When it comes to finding the best price on an auto insurance policy, it pays to shop around and
compare car insurance quotes
. Most major car insurance carriers offer non-owner car insurance to customers nationwide, but smaller providers may also offer it for Nevada drivers. 
Of the top 10 biggest insurance carriers in Nevada, just three offer non-owner policies: 
Drivers can also find non-owner insurance policies from
, and
Need to know: Nevada insurers offering non-owner car insurance don't provide quotes online—you’ll need to call an agent to request a free quote.
Note: USAA does provide non-owner insurance, but they only offer coverage to military members, veterans, and their families.
Do you need non-owner car insurance?
You might need it if you:
You may not need it if you:
Sometimes borrow cars from people you don't live with
Rent cars frequently
Often use car-sharing services
Want to avoid a lapse in car insurance coverage
Need an SR-22 certificate but don't have a vehicle
Are getting your license in a state with an insurance requirement
Live with someone who owns a car
Rent cars infrequently
Have your own car
Don't plan to own a car any time soon
Learn More

Nevada non-owner insurance is a supplemental liability policy

Non-owner car insurance is a liability-only policy that covers bodily injury and property damage for the other party in an accident. 
Need to know: Non-owner car insurance is liability-only—it will not pay for damage to your vehicle or medical costs for yourself or your passengers. It also cannot be transferred to another driver.

A secondary policy pays out after the primary coverage limits are met

Whether you’re behind the wheel of a rental car or one you borrowed, it should already be covered by a standard car insurance policy—either the vehicle owner’s personal or
rental car insurance
. If you’re involved in an accident, the primary policy will kick in before your non-owner policy. 
However, if the expenses exceed the coverage on the primary policy, you may still be on the hook for the remaining fees. Regardless of the kind of car, vehicle damage and medical bills are expensive, and it’s easy to exceed state limits.
Non-owner insurance will generally pay up to your policy limits—usually the state minimum coverage requirements—for any remaining vehicle damage or medical expenses after the primary policy pays out. 
  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
Let’s check out an example:
Let’s say you borrowed your sister’s car for the weekend while she was away. On your way to the mall, you rear-ended the car in front of you when it slammed on its brakes to stop for an animal crossing the road. The crash resulted in significant damage to the other vehicle’s frame, leading to the other car being declared a total loss.
Your sister has insurance that meets Nevada’s minimum state requirements, so her policy would pay $25,000 in medical expenses for each person in the other vehicle who was injured (there is a $50,000 cap for the accident), and $20,000 for the property damage to the other car. 
If you have a non-owner policy with Nevada’s minimum liability limits, your insurer will pay the remaining costs for property damage and medical bills up to the same amount.
But even as a supplemental or secondary policy, only purchasing the minimum state-mandated limits leaves you vulnerable to out-of-pocket expenses. We recommend increasing your coverage limits on a non-owner insurance policy. The monthly investment is low, and the alternative could be a huge financial burden if you’re involved in an accident. 
Note: As with most liability-only policies, non-owner auto insurance generally doesn’t require a deductible.

Non-owner SR-22 insurance in Nevada

In Nevada, the average cost of non-owner SR-22 insurance is $3597. 
If you’re required to file a
Nevada SR-22 certificate
but don’t own a car, you can still purchase insurance—you can buy a non-owner policy, and your insurer will file the SR-22 form on your behalf to your local Department of Motor Vehicles (DMV). However, it’s important to remember that not every insurance carrier offers SR-22 and non-owners insurance, so check with an insurance agent before buying a policy to ensure it will fit your needs.
In Nevada, drivers must submit SR-22 coverage if they are convicted of any of the following traffic violations:
Having non-owner car insurance is the most affordable way for
high-risk drivers
to show they have liability insurance coverage. This policy is ideal for people who don’t own a car but borrow or rent cars to stay compliant with state laws. 
Need to know:
Non-owner SR22 insurance
doesn’t cover damage to the car you’re driving, so it’s important to make the vehicle’s owner has insurance that meets the state-required limits.
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No—at least one person's name on the vehicle’s registration must match a name on the insurance policy. If you don’t own a car, that’s where Nevada non-owner car insurance comes in handy. It provides liability-only coverage for drivers who don't own a vehicle but require insurance—and it’s often much cheaper than traditional insurance.
You can legally drive someone else’s car in Nevada with a valid driver’s license and proof of insurance. Because liability insurance generally follows the car rather than the driver, the owner of the vehicle’s insurance would cover you in the event of an accident up to their policy limits, and your non-owner insurance policy would cover anything remaining to your policy limits.
Non-owned car insurance is a type of business insurance that offers protection for employees who occasionally drive a personally owned vehicle for business purposes. Most basic business automobile insurance policies will only cover employees operating company-owned vehicles to perform company business—not personal cars for company business purposes.
If you have a business and you or your employees drive vehicles not owned by your company for business purposes, you’ll need to purchase non-owned and hired automobile coverage.
In most cases, yes. As long as you have permission from the vehicle’s owner to drive the car, you should be covered by their insurance policy—as long as you’re not listed as an excluded driver.
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