Non-owner car insurance in Nevada

What companies offer non-owner coverage in Nevada?

We priced 6 companies here, starting with the least expensive.

What coverage must a non-owner policy include in Nevada?

What NRS chapter 485 requires as a minimum is listed on the Nevada DMV insurance requirements page. For injury or death of one person, the coverage has to be $25,000. It rises to a $50,000 limit if the incident hurts two or more people. Damage to another person's property calls for $20,000 in protection. Those same 25/50/20 amounts appear on the Division of Insurance auto page.

Two rules carry more weight for someone who drives but owns no car. You need a policy issued for Nevada specifically, since the DMV refuses coverage from other states. Your insurance also has to go through electronic validation, because agents have no way to send it in for you.

What starts a Nevada SR-22 and how the time period works

The Nevada DMV lets you use an operator policy instead of one tied to a vehicle, provided you carry a Nevada driver's license. The clock on any SR-22 here begins only once your license is reinstated.

Through an SR-22, your insurance company tells the DMV in writing that you hold at least the state's required minimum coverage. Reasons listed on the suspension and reinstatement page include a DUI, a license revocation, an accident, a lapsed SR-22, or a gap in your insurance.

A table spells out the lapse rules. For a first violation, a coverage gap of 91 days or longer results in an SR-22 that lasts three years. A third offense inside five years means any gap at all triggers one.

Those three years are measured from your reinstatement date, and buying an SR-22 ahead of time offers no credit. Any gap in coverage triggers a new suspension and resets your term. After an alcohol-related offense, the driver license fee list includes a $120 charge plus a $35 victim impact fee; all other offenses cost $75. After your three years are up, no reminder comes from the DMV, so contact the DMV to check your end date.

Letting go of a car in Nevada before you move to a non-owner policy

Selling or storing a car and moving to non-owner insurance can trigger the state's lapse system. First cancel the registration and hand in the plates, and only then drop the insurance on the car, per the DMV's lapse page. Because storage-only coverage goes unreported, it appears to be a complete lapse.

If the car sat idle because it needed repairs or was stored for the season, you may pay a reduced reinstatement fee of $50. When a lapse involves an SR-22, you must handle reinstatement at a DMV office; online and kiosk options are not available. To reinstate by fax, send over your SR-22, the Nevada evidence-of-insurance card, two DMV forms, and a cover letter.

What you pay by age in Nevada

A driver in their teens pays about $3,118 each year. A 40-year-old who insures an owned car at the minimum pays an average of $1,212 a year, roughly $389 more than the $823 non-owner average.