Question 1

What does non-owner car insurance cover in Nevada?

Accepted Answer

A Nevada non-owner policy covers bodily injury and property damage liability when you drive a borrowed, rented, or shared car, carrying at least the state's 25/50/25 minimum. It does not cover collision or comprehensive damage to the car being driven because you own no vehicle. The policy is secondary, sitting behind any coverage on the car itself.

Question 2

Can I get an SR-22 without owning a car in Nevada?

Accepted Answer

Yes. A non-owner SR-22 policy satisfies Nevada's filing requirement without owning a vehicle. The SR-22 is filed electronically by your carrier to the Nevada Department of Motor Vehicles and must remain active for the full period — typically 3 years — or your license will be re-suspended.

Question 3

Which carriers write non-owner insurance in Nevada?

Accepted Answer

Carriers writing non-owner policies in Nevada include Geico, Progressive, Dairyland, The General, and USAA. For non-owner SR-22 after major violations, carriers include Bristol West, Dairyland, Geico, Infinity, National General, Progressive, and The General. Not all carriers write non-owner, so availability is narrower than standard auto insurance.

Question 4

How long does Nevada require SR-22 filing for non-owner drivers?

Accepted Answer

Nevada typically requires SR-22 filing for 3 years after DUI convictions and certain license suspensions. The filing period is measured from the date the state requires it, not the date you purchase the policy. If the SR-22 lapses before the period ends, your license is re-suspended immediately.

Question 5

Does a non-owner policy cover rental cars in Nevada?

Accepted Answer

A non-owner policy provides liability coverage when you drive a rental car in Nevada, but it does not cover physical damage to the rental vehicle itself. You would need to purchase the rental company's collision damage waiver or use a credit card benefit to cover damage to the car.

Question 6

What is Nevada's Restricted License and do I need SR-22 for it?

Accepted Answer

Nevada's Restricted License allows limited driving for work, school, medical appointments, or court-ordered programs after a suspension. SR-22 filing is typically required, and ignition interlock device installation is mandatory for DUI-related restricted licenses. First-time DUI offenders face a 45-day hard suspension before restricted-license eligibility. A non-owner SR-22 policy meets the insurance requirement for drivers without a vehicle.

Question 7

Will a non-owner policy keep my license from being suspended in Nevada?

Accepted Answer

A non-owner policy satisfies Nevada's continuous-coverage requirement and prevents a lapse-related suspension, which is critical because Nevada's electronic insurance verification system reports lapses to the DMV in near-real-time. If you already have a suspended license and need SR-22 filing to reinstate, a non-owner SR-22 policy provides the required proof of financial responsibility without owning a car.

Coverage	Minimum
Bodily Injury (per person)	$25,000
Bodily Injury (per accident)	$50,000
Property Damage	$20,000

Non-Owner Car Insurance — Nevada

Nevada Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

Find Your City in Nevada

Las Vegas

Henderson

Reno

North Las Vegas

Sparks

Carson City

Elko

Mesquite

Frequently Asked Questions

Get Your Free Quote in Nevada